Global View
The insurance industry divides into life and non-life insurance. The market grew by 2.9% in 2019 to hit $6.3 Trillion based on the premium. However, the Covid-19 pandemic resulted in a fall in premium in 2020 by as high as 30%, with a rebound expected in 2021. By some other analyses, the market will reach $6.8 Trillion by 2023. Employment within the industry has grown significantly since the 1960s, reaching 27 million jobs by 2018 in the US only.  

Insurance data is always embedded within the financial sector for its contribution to GDP. Therefore, it makes it difficult to accurately pinpoint the insurance industry’s contribution to the GDP of several countries. However, the insurance information institute (iii.org) reports that the insurance industry’s contribution to GDP in the USA in the year 2021 stood at $674.2 billion, which is 2.9% of the total GDP. It is a reduction from the 3.1% in the previous year. Similarly, statists.com identified the ratio of insurance premiums to total GDP in Europe to be about 4.8% in 2019. 

Africa
Research for the latest numbers in industry size, revenue, number of employees, contribution to GDP, and employment. Add sources of those data when quoting and in references.

The Insurance market in Africa reached a value of $61.1 Billion in 2019, making it the smallest by far in the global insurance industry. However, the rise of the middle class and increased business investment are propelling growth. As of 2020, South Africa has the highest insurance penetration rate of 12.89%, followed by Namibia at 7.25%, 3.88% in Morocco, and 2.14% in Tunisia. Nigeria and Kenya have 1% and 0.63% penetration rates, respectively. Growth is visible in Nigeria. It is an important industry not just as a provider of jobs but also as a protector against economic livelihood risks.

According to a research report by the Imarc group, the insurance industry in Africa grew by 20% in 2020. This number can be attributed to interest in the sector from international brokers and insurance firms. However, the ratio of premium insurance to GDP in Africa is estimated at 3%, which is very low compared to the developed market in Europe (8%) and the global average of 6.13% (PricewaterhouseCoopers).

Ghana
In 2020, the Bank of Ghana’s Financial Stability Review pegged insurance coverage at 1% of the Gross Domestic Product (GDP). According to Statista, in 2019, the insurance industry in Ghana accumulated assets reaching over 6.7 billion Ghanaian cedis (GHS), roughly 1.1 billion US dollars. This increased from the previous year when nearly 5.5 billion GHS (approximately 909 million US dollars) in assets were registered.

Ghana has 52 insurance companies; Non-life – 29, Life insurance – 20, Reinsurance 3. The insurance market in Ghana in 2020 had a turnover of 759 million US Dollars, with a penetration rate of 1.05%.

Kenya
According to an Association of Kenya Insurers, the Kenyan insurance industry recorded a Gross Written Premium of KES 235.31 Billion compared to KES 231.30 Billion in 2019. However, despite this growth, insurance penetration has declined to 2.30% in 2020 from 2.37% in 2019.

Kenya has the third lowest insurance penetration rate in Sub-Saharan Africa at 3%. This is because most Kenyan population doesn’t see insurance as essential. There are 58 insurers and reinsurers in Kenya. The market is dominated by CIC, Jubilee, Britam, ICEA, Lion General and APA Insurance. General insurance is the leading segment in the industry. It accounts for 60% of industry gross written premiums.

The life insurance industry has grown—with an increased demand for life insurance products. However, pensions and life assurance businesses remain the most significant contributors to the life gross premium income under the long-term insurance business, accounting for 33% and 28.1%, respectively. 

Nigeria
Research for the latest numbers in industry size, revenue, number of employees, contribution to GDP, and employment. Add sources of those data when quoting and in references.

The investment portfolio reached N723 billion in 2016. Premium reached N400 billion in 2018. Penetration estimates range from 1% to 2%. It is a highly competitive but fragmented market with 57 registered insurance companies; 14 are life insurance businesses, 43 are non-life, and 2 are reinsurers. Other key players are insurance agents, brokers, surveyors and administrators. 

Fifteen thousand insurance agents and 460 brokers control more than 90% of premiums, reflecting the dominance of businesses/organisations as insurance customers in Nigeria. However, due to the need to expand insurance firms’ financial and technical capacities in Nigeria, with some insurance coverage still taken abroad, NAICOM is driving reforms. These have led to increased foreign investment in Nigeria’s insurance industry. As a result, mergers are likely to happen in the industry.

According to a 2022 insurance industry report by Augusto research, the insurance industry’s gross premium income stood at $1.4 billion in 2021, which is stagnant compared to the previous years.

South Africa
According to Research and Markets, the African insurance market will increase at a compound annual growth rate of 7% through 2026, greatly outpacing the $70-billion threshold set in 2020.

The assets of South African insurance companies totalled slightly under 240 billion dollars in 2020, an increase of almost eight billion dollars from the year before. Since 2002, South African insurance companies’ total asset value has increased by nearly 185 billion dollars, according to Statista.

• Rise of InsurTech; increasing consumer awareness and education.
  Insurtech companies use cutting-edge insurance technologies to save costs for customers and insurers, increase operational efficiency, and improve the overall customer experience. While this may sound comparable to long-standing digital insurance solutions, InsurTech takes them to the next level (McKinsey.com)

  Expansion of global insurance firms into local African markets through investments, mergers and acquisitions

  Increased focus on retail insurance to increase the rate of penetration.
  Insurance penetration in Africa is half of the global average, and premiums per capita are 11 times lower. This low level of market penetration suggests that Africa’s double-digit growth in insurance issuance has been driven more by economic growth than intensifying market penetration. In addition, the pandemic has accelerated the shift toward digitalisation, which McKinsey researchers say is a promising trend for augmenting insurance distribution. These platforms aim to simplify, digitalise, decentralise and expand the insurance industry in Africa. 

  Microinsurance rise and other specialised products such as index insurance
  Microinsurance projects are low-cost insurance offerings specially made for people in low-income communities where traditional insurance does not generally serve. These projects help to expand into developing economies, especially in Africa. The Microinsurance Network has been established as a nonprofit comprising about 80 companies in 40 countries dedicated to making insurance available to low-income people.

  Index insurance. For application in areas such as insurance. 
  It makes coverage and payment based on a statistical index developed before the beginning of insurance. Variations from average rainfall, wind, crop yields or livestock mortality are calculated to determine payouts. Farmers can then continue to farm irrespective of the environmental conditions. Insurance can be a powerful tool to help vulnerable farming communities. A World Bank report states that index insurance is usually cheaper than traditional indemnity.

  Telematic Insurance. Data-driven personalised insurance service based on car usage.
  Telematics uses a GPS device to track an insured vehicle’s movements and driving habits. Insurers can use telematics to more accurately estimate accident damages and reduce potential fraud. Fleets can also use them to find the most efficient routes, saving money on staff, petrol and maintenance.

Areas of interest include customer awareness, insurance penetration, marketing insurance products, insurance innovation, regulations and impact, risk management, big data, consumer perception, behaviour and bias, insurance processes, compliance, digital transformation, and corporate governance in insurance companies. 

Emerging areas include risks arising from technological advances, climate change, regulatory change, digital transformation, its role in the economy, and systemic risk.

SDG 1: No poverty; covers against poverty.
The primary way insurance can contribute to this is by ensuring that people and families do not fall into poverty due to events like a flood or fire. In addition, the insurance industry protects individuals and mitigates losses in national economies and damage to infrastructure. 

SDG 3: Inclusive insurance for good health and wellbeing: Healthcare coverage Governments and charitable organisations can use health insurance packages to improve the quality of living and wellbeing of previously marginalised and underserved communities.

SDG 8: Decent work and economic growth- Insurance against business losses.
The insurance industry can help a country’s economic growth by boosting financial stability and capabilities and increasing GDP. The International Credit Insurance and Surety Association estimate the credit insurance market to be worth roughly USD 6.0 billion in premium. Insurers can also influence their “supply chain” by requiring that corporate clients fulfil particular safety and child safety criteria.

SDG 11: Sustainable Cities and Communities.
Climate change is also pertinent to the role of insurers as underwriters and investors in cities and communities. In addition, as both underwriters and investors, insurance companies play an essential role in funding infrastructure developments.

SDG 13: Climate action; insurance for weather risk
Insurance can reduce the economic effects of natural disasters. It can also provide a short-term economic boost. This can happen directly by paying claims or by the local or federal government purchasing insurance and passing on compensation to businesses or individuals. In a natural disaster, insurance can give aid to governments, businesses, and individuals (Brassard and Raffin, 2011).

• Low penetration of insurance: reasons include religiosity and low per capita income.
  According to a 2020 McKinsey report, the African insurance industry is still in its infancy, and premiums are out of reach for many people. This may be due to high illiteracy and religiosity/external locus of control. As a result, people attribute life outcomes to external forces or beings beyond their control and low per capita income. 

  Inadequate awareness and consumer education
  The insurance culture in Nigeria is deficient. It may not be unconnected to the lack of knowledge about life insurance products. Many educated Nigerians still do not see a reason for insurance. Therefore, there is an urgent need for insurance companies to renew their marketing communication strategy.

  
  

  Negative consumer sentiment and lack of trust
  Insurance companies in developing countries battle with financial challenges, profitability, and poor management, which fail to pay up claims and relevant benefits. Sometimes from experience, people are afraid that an insurance firm will fold up or go bankrupt, making them lose their investment.

  Highly fragmented market with lacking product differentiation
  The rise of too many insurance firms in the market leads to intense competition, demanding that each company look for a unique selling proposition or target a particular market segment. Old insurance companies have gained trust while new firms struggle to make an impression, especially with nothing new to offer.

  Lack of tailored products to local needs
  Foreign insurance firms seek to penetrate the developing markets with offerings that are not necessarily suitable to the local needs. For example, rural regions of Africa will benefit significantly from index insurance and microinsurance products than from traditional offerings.

  Low capacity building and inability to attract young talents
  According to the ILO’s impact insurance facility, insurers and distributors in developing nations struggle to offer viable insurance products valuable to consumers. It means that the knowledge of insurance practice is yet to be organised into a formal program. Hence, the unavailability or inadequacy of training.

   Lack of Specialised and skilled workforce
  The prevailing belief in developing countries is that any knowledge of money management can substitute specialised training when looking for insurance professionals. As a result, less professional and less efficient teams run many insurance companies.

  
  
  

Similar to FinTech in the broader financial sector, InsurTech refers to the technological innovations in the insurance industry. More than $10 billion has been raised in less than ten years by InsurTech companies. Digitisation areas include:

• On-demand access to insurance services with pay-as-you-go options
  Self-service tools in insurance purchase, premiums payment and claims filing. Use of chatbots. Thanks to digital transformation, insurers are given the tools they need to provide outstanding service without overextending their resources. For example, customers can use an app to pay bills, see policies, and file claims. At the same time, brokers can receive and handle all information through one system.
• Personalised insurance services based on behavioural models and connected/wearable devices. Assumptions regarding how data, behavioural tracking, and innovation evaluate risk at a dynamic, individual level. Insurers are utilising connected, telematic, and self-tracking technologies to modify behaviour in the direction of maximum profitability (McFall et al., 2020).
• Automated advisory services based on advanced analytics and AI
  Financial institutions will soon become technology companies by integrating their services into online, interactive, and automated platforms. One such innovation is the automated advisory system (Robo-advisor) which can add flavour to existing customer service channels.
• Telematics in care insurance
  Telematics-based health insurance allows insurers to predict who would use the most expensive health care. Wearables like FitBit, Jawbone, and Apple’s iWatch capture precise information about people’s activity levels and heart rates, which powers these algorithms. Like the Withings Wireless Blood Pressure Monitor, simple smartphone-compatible gadgets can provide more detailed personal information.
• Gamification for the insured to promote loss-reducing habits
  Life insurance may result in long-term change as well as increased engagement. People are usually unmotivated to purchase life insurance because the rewards appear far away and intangible. According to a Deloitte study, 31% of life insurance consumers allow their policies to lapse, which could be because insurers are failing to engage customers on an ongoing basis. Gamified life insurance products could lead to lasting change while becoming more engaging and attractive to consumers.
• Blockchain for transaction records. Every industry needs to keep up with the market’s dynamic nature in trends and technology. Insurance companies must adapt to modern technologies like AI and blockchain to avoid disruption. Blockchain technology ensures transparency since transactions and payments will be verified by several participants, hence creating trust in clients.

The insurance industry is open to graduates with any degree as long as the class requirement of the insurance company is met. These roles are typically in marketing and sales, customer service, human resources, and other areas of operation. In addition, insurance companies often have their training programmes to immerse recruits into their processes as insurance companies and as players in the insurance industry.

Roles unique to the industry are actuaries, underwriters, and claim adjusters. Other roles are insurance brokers, risk surveyors, catastrophe modellers, loss adjusters, investigators and loss control specialists who inspect insured properties to minimise the risk of damage or loss. 

Actuaries calculate the probabilities of future events. Underwriters determine what risks are worth insuring, while claim adjusters determine how much policyholders deserve through a policy. 

Underwriters: Underwriters assess clients’ financial situations to determine the policies’ potential risks. Other primary duties include considering policy applications according to customers’ age, medical records and driving records.

Claim and Loss Adjusters: They examine damages to offices, cars and homes to determine how much an insurance company will financially cover. Their primary duties include:

• Interviewing claimants and witnesses.
• Gathering police reports.
• Preparing claims reports and presenting customers with the amount of money they will be covered.

Investigator: They carefully analyse customers’ insurance claims to ensure they’re valid, free from fraud and related to the reported liability, property damage, worker compensation or bodily injury incident. Other key responsibilities include reviewing police and hospital records, assessing personal information and conducting background checks of all involved.

Catastrophe Modeller: Catastrophe modellers assess and forecast the risk of damage from many types of catastrophic occurrences. In this position, you use computer systems to evaluate the level of risk associated with insuring consumers in specific areas.

According to an estimate based on annual salary at the middle level by indeed.com editorial team and ziprecruiters.com, the highest paying jobs in the insurance industry include:

• Actuary
• Insurance Broker
• Underwriter
• Claims Clerk
• Claims Investigator
• Loan Processor
• Insurance Adjuster
• Insurance Agent
• Loss Control Consultant
• Risk Manager

1. Communication and Persuasion: It is a competitive industry with low adoption; you need to be able to convince clients. Working in the insurance industry means you are the expert; your clients and customers are significantly less knowledgeable about the subject. To get vital information through in a clear, jargon-free manner, you’ll need to be a powerful communicator.
2. Continual Learning and Adaptation: Understanding new risk sources, changing customer behaviour and disruption to the industry. You’ll encounter difficulties that require a creative solution in any insurance profession. For example, as a broker, you may be asked to obtain coverage for a client with unique insurance requirements. As an actuary, you will be required to calculate a new and unknown risk.
3. Networking and Teamwork: To connect with prospects and turn them into clients. You’ll be negotiating with clients or on their behalf as a broker, claims manager, loss adjuster, or underwriter, and giving good customer service is critical to your success. While actuaries have less direct interaction with customers, these abilities will help you engage with your peers.
4. Numeracy and Financial literacy: Managing premium and calculating rates. Some insurance positions require higher mathematical skills than others. Actuaries use statistics and computer modelling, whereas claims handlers only need a basic understanding of numbers.
5. Professionalism and Industry Awareness: View problems from a perspective to see what your firm needs to be lucrative and successful and serve its customers if you have industrial awareness. You will be interfacing with high-level decision-makers in business and HNIs in developing markets.
6. Digital skills; data science, analytics, visualisation: Insurers have a specific need for new capabilities in automation, artificial intelligence, and the Internet of Things, which are paving the way for one-click insurance policy purchases near-instantaneous claims settlement, and risk mitigation. Furthermore, data scientists are needed to improve predictive analytics for claims probability, create client risk profiles, and underpin underwriting and pricing models.

You do not need a degree in insurance or finance to work in the industry. However, a first or second degree in the field can provide a competitive advantage for specialisation, especially in the technical areas of the industry. These degrees include Insurance studies, Actuarial science, Accounting and Insurance, Finance and Insurance, Risk Management, Financial and Insurance Mathematics, and Financial Engineering.

Industry bodies and National Chartered Insurance Institutes offer several certificate programmes and diplomas in insurance. In addition, numerous training also exists for specialised fields such as brokerage, underwriting and risk modelling.

The easiest path to entering the insurance industry is becoming an insurance agent. It is usually a commission-based job and provides sales experience in the insurance industry. In addition, several insurance companies offer graduate trainee programmes and internship opportunities. 

Relationships and trust are the most valuable commodity in developing markets where business insurance is more common. Working with an insurance brokerage provides a vast opportunity to build relationships across insurance service providers. In addition, post-graduate degrees and professional education can give a leeway into roles such as actuary science and loss adjustment. Some insurance brokerage firms also consistently have openings. Still, the elite firms in developed markets may require graduates with experience working in the industry.

Insurance companies have become more open to InsurTech solutions. These solutions provide advisory, comparison, matching for consumers, and automated claims filing while giving new risk modelling approaches for insurance firms.

Finally, when interviewing for an insurance position, one must demonstrate that they possess the necessary abilities and experience to be a suitable fit for the job. For example, employers looking to fill insurance agent positions want someone committed to finding new customers. They are also seeking someone who knows how to provide excellent customer service.

Though not seen as a glamorous industry, it offers stability and is slightly recession-proof in several developed countries. There is currently a generational shift in the industry that has struggled to attract young professionals in the past. It is a significant employer of marketing and mid-career professionals. In Countries with low insurance penetration, there is a need for massive citizen education.

In developing countries, many entry-level roles in the industry are in sales. Remuneration based on commission exclusively or in addition to a basic salary is typical in the industry. The crown jewel jobs are the actuaries and underwriters, requiring unique skills and getting high compensation. Due to the need for growth in several emerging economies, experience counts, and persuasion and skills provide a competitive advantage for entry and ascending to the industry’s top.

It accommodates professionals from a broad range of backgrounds. It supports continual learning with several training programmes while also providing opportunities for specialisation. Insurance professionals lead insurance brokerage companies and service providers with significant years of experience and extensive relationships in the industry. They also have a lesser barrier to entry than underwriting companies that require a higher capital base to start.

Employers in the industry rarely rank as one of the highest paying, but bonuses based on performance are standard. The industry is very bureaucratic due to its strict compliance with processes. It requires extensive documentation, typically from assessing risk and onboarding customers while complying with registration requirements. However, it is also undergoing a digital transformation. As a result, it requires being active both in the office and field.

As a growing industry in many developing countries, several opportunities exist. One of such is opening an insurance agency. Several insurance companies also offer franchises. Startups in the industry help customers compare insurance policies to get the best rates, widen access to insurance services, and improve the efficiency of insurance processes.

International:
International Federation of Loss Adjusters
International Association of Insurance Supervisors (IAIS)
Global Federation of Insurance Associations
International Insurance Society

Ghana
Ghana Insurers Association, Ghana Insurance Brokers Association of Ghana, Pension Fund Managers, Social Security and National Insurance Trust, Pensions Fund Custodians

Kenya
Association of Insurance Brokers of Kenya, Kenya Association of Professional Insurance Agents, The Association of Kenya Insurers

Nigeria
Chartered Institute of Insurers Nigeria (CIIN), Nigeria Insurers Association (NIA), The Nigerian Council of Registered Insurance Brokers (NCRIB), Institute of Loss Adjusters of Nigeria (ILAN), Association of Registered Insurance Agents of Nigeria (ARIAN), Nigerian Actuarial Society (NAS), Professional Reinsurers Association of Nigeria (PRAN)

South Africa
South African Insurance Association (SAIA), Insurance Institute of South Africa (IISA), Institute of Risk Management SA, Insurance Institute of the Western Cape (IIWC), and Gauteng Women In Insurance (GWII).

International
Henry Mascot, Curacel

Ghana
Beatrice Amponsah, Emmanuel Mokobi Aryee, Patience Akyianu, Gifty Ama Fiagbe, Jacqueline Benyi, Andrew Achampong-Kyei

Kenya
Zipporah Kanari, Onesmus Mutua, Samson Muthee, Angela Koech

Nigeria
Funmi Omo, Sunday Dare, Leadway Insurance.

South Africa
Adrian Gore, Viviene Pearson, Tebogo Naledi, Kudakwashe Mudzengi, Kudakwashe Mudzengi CA.

International:
The Africa Risk Capacity (ARC)
Research for more if available

Ghana
National Insurance Commission, Ministry of Finance, National Pensions and Regulatory Authority

Kenya
The Insurance Regulatory Authority

Nigeria
National Insurance Commission (NAICOM)
National Health Insurance Insurance Authority (NHIA)

South Africa
Financial Sector Conduct Authority (FSCA), South African Reserve Bank, Prudential Authority

The US, Europe and China are home to the largest insurance companies in the world.

Insurers: AIG, Allianz, Axa, Prudential, Aviva, Zurich Insurance, State Farm, United Health, Nippon Life, Munich Re, Humana, Liberty Mutual, Ping An China, People’s Insurance Group China, Aetna

Brokers: Marsh&McLenan, Aon, Willis Towers, Arthur J. Gallagher, Brown & Brown, Hun International, Trust Insurance Holdings, Lockton Cos, USI Insurance Services. Acrisure

Reinsurers: Swiss Re, Munich Reinsurance, Llyod’s Hannover Ruck, China Reinsurance, Reinsurance Group America, Partner Re, Axis Capital

Startups: BIMA, Quantemplate, Slice, Trov, Neos, Shift Technology, Lemonade, Oscar Health, Acko, Zhong An, ASSURANCE, Zego, Flock, Flood Flash, INSHUR, Clark, Zeguro, Bought by Many, Otonnova.

African Companies/Startups
South Africa is the home to the largest insurance companies on the continent, followed by North Africa.

Insurers: Old Mutual, Sanlam, African Life, New Africa, Metropolitan Life, discovery Health, South African Eagle, Axa Assurance, Maroc, Société Centrale de Réassurance, Wafa, misr, Libya Insurance, CNIA, Societe Tunisienne STAR, Liberty Holdings, CNIA, Societe Nationale d’Assurance and African Re. 

Brokers: GIB Africa Alliance, united African Insurance Brokers, OL Insurance Solutions, Africa Insurance Brokers, AfInBro, Arena Africa Insurance Brokers, Boof Africa, ARIS, B-Sure, Stanbic IBTC Insurance Brokers, Eagle Africa, Skylard Africa

Startups: Click2Sure, Naked, Simply, Bismart, AutoGenius, Bluewave, wiCover, Kakbima, Pineapple, Lumkani, Valu, Turaco

Reinsurers: Africa re, Munich re, Swiss Re Africa, African Reinsurance Corporation, ContrenialRe, WAICA Re, Hannover Re, RGA Re, General Reinsurance Africa, GIC Re, Africa Retakaful, Tropical Re

Ghana
StarLife Assurance Company Ltd, First Insurance, Exceed Life Assurance, GH Life Assurance, Enterprise Insurance Company, Hollard Insurance, State Insurance Company, Saham Insurance, Activa Insurance Company, Allianz Insurance Company, Metropolitan Life Insurance Ghana Limited, Nationwide Medical Insurance, Priority Insurance company, Milife Insurance, African Life Insurance, Old Mutual Assurance, Glico Insurance, Prudential Life Insurance Ghana, Quality Life Assurance, Donewell Life Insurance, Ghana Union Assurance Life, Vanguard Life Assurance, Phoenix Life Assurance, Saham Life Insurance Ghana, Ghana Life Insurance, Exceed Life Assurance, Prime Insurance, Millennium Insurance, Sunu Assurance, Insureity Digital.

Kenya
Jubilee Insurance Kenya, Britam, CIC Insurance General, AAR Insurance, Madison, First Assurance, Resolution Kenya, Kenya Alliance Insurance, Liberty Life, Pioneer, GA insurance, Heritage, APA Insurance, The Kenya Alliance, Sanlam, Mayfair, First Assurance, Geminia, Resolution, AIG, Directline, Occidental, Pacts, Saham, The Monarch, Lami

Nigeria
Insurers: ARM Life, AIICO, Axa Mansard, Leadway, Custodian & Allied Insurance, Cornerstone, African Alliance, Godlink, Continental, NSIA, LASACO, Royal Exchange, Consolidated Old Mutual, Hallmark, Law Union & rock, WAPIC, Crusader, Prestige Assurance, UNIC Insurance, Standard Insurance, NEM, Sovereign Trust, Zenith General, FBN Insurance, Prestige Assurance, National Health Insurance Scheme (NHIS)

Nigerian Agricultural Insurance Corporation (NAIC)

Brokers: Orange Insurance Brokers, Insurance Brokers of Nig Ltd., Hilltop Insurance Brokers, Northlink, Carrier, Hogg Robinson, Glanvill Enthoven, union Commercial, FBN, Stanbic IBTC, Nigeria Life and Provident Company, Risk Analyst, Colenson, C&I, NASCO, Mascot

Reinsurance: Africa Re, Continental Re, Nigeria Reinsurance Corporation
Startups: MyCoverGenius, CompareIN, Casava, Curacel.

South Africa
AIG, Outsurance Company, Standard Insurance, Virseker Company, Old Mutual, Momentum, Santam Company, Discovery Insure, Corporate Guarantee (South Africa) (RF) Ltd,  Auto & General Insurance, Hollard, Santam, Guardrisk, Liberty Group, MML Group Limited, Guardrisk Insurance, OUTsurance Insurance, The Hollard Life Assurance, Bryte Insurance Company, Absa Life, Mutual & Federal Risk Financing, Nedgroup Life Assurance, Sasria, Renasa Insurance, Lombard Insurance, Budget Insurance, Clientele Life, Alexander Forbes Insurance, Compass Insurance, First for Women Insurance, Momentum Short Term Insurance, Centriq Insurance Company Ltd

CFAO Motors Insurance Ltd, Chubb Insurance South Africa Ltd, Clientele General Insurance Ltd, Coface South Africa Insurance Company Ltd, Compass Insurance Company Ltd.

Movies: 
The Rainmaker, 
John Q, 
The Thomas Crown Affair, 
Killer Joe, 
Along Came Polly, 
Llyod’s of London, 
The Truman Show, 
Death of a Salesman, 
Double Indemnity

Podcasts:
Business of Insurance, 
Insurance Tomorrow, 
The Voice of Insurance, 
InsurTech Podcast

Events:
African Insurance Organization (AIO) Conference.
Insurance Professionals Forum by CIIN.
Annual General Assembly and National Insurance Conference by CIIN 
Reuter Future of Insurance events

Publications: 
Propertycasualty360.com, 
Insurance Age Magazine, 
Continuity, 
Insurance and Risk Magazine, 
Risk and Insurance Magazine, 
Modern Insurance, 
Insurance for Dummies, 
Inside the Insurance Industry, 
Analytics for Insurance