Magazine

July 2026 Edition

In this edition of COVER, we explore how confidence is built in an increasingly uncertain world. From agriculture and financial planning to insurance, technology and risk management, our contributors examine how innovation, trusted advice and stronger partnerships are helping businesses and clients navigate change. Rather than attempting to predict the future, the industry is focused on building resilience, strengthening governance and creating the confidence needed to face tomorrow's challenges with greater certainty.
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What’s Inside

The future of Agri insurance won't be built on yesterday's solutions

Agricultural insurance must evolve as quickly as modern farming. Andries Wiese explores how technology, climate change and shifting farming models are reshaping risk.

Should clients invest their living annuity assets offshore?

Should retirees invest all their living annuity assets offshore? Martiens Barnard explores the opportunities and risks of offshore exposure.

The hidden risks inside your insurance programme

Corporate insurance programmes involve far more than premiums & policy limits. Antonio Iozzo examines the hidden governance, legal & contractual risks that boards must understand.

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Agricultural Insurance

1.Modern age risks reshape rapidly evolving agricultural landscape - Read article

Ryno de Kock, Head of Distribution at PSG Insure

2.Smart farming is no longer optional, it's the key to agricultural resilience - Read article

Kobus Stapelberg, Head of Agri Insurance, King Price Insurance

3.The future of agri insurance won't be built on yesterday's solutions - Read article

Andries Wiese, Head: Agriculture, Hollard Insure

Financial Planning

1.Expanding legal protection for unmarried partners - Read article

Jan du Plessis, CEO of the Fiduciary Institute of Southern Africa (FISA)

2.Should clients invest their living annuity assets offshore? - Read article

Martiens Barnard, Marketing actuary at Momentum Investments

3.AI can assist, but it cannot advise - Read article

Melody Cloete, FAIS Representative and Training Specialist at Bidvest Life

4.Sanlam Benchmark Survey: When a ‘small bet’ becomes a big problem - Read article

Nzwa Shoniwa, Managing Executive: Sanlam Umbrella Solutions

5.From forecasts to probabilities: Why being ‘right’ matters less than being prepared - Read article

Mike Coop, Chief Investment Officer for EMEA, Morningstar

6.Why the future of independent advice depends on stronger partnerships - Read article

Marwan Abrahams, Executive General Manager: Financial Services, Old Mutual

7.From volatility to visibility: Why foreign exchange strategy can no longer be reactive - Read article

Bianca Botes, Managing Director, Citadel Global

8.The 9 o'clock client: Why the future of protection advice may have nothing to do with products - Read article

Walter Combrink, Life Risk and Fiduciary Manager at Momentum Financial Planning

Short-Term Insurance

1.The hidden risks inside your insurance programme - Read article

Antonio Iozzo, Founder and CEO Alpha

2.Creating stronger broker–client trust - Read article

Willem Reynders, Senior Compliance Officer, Renasa

3.NFO data highlights hidden moisture risk behind property insurance disputes - Read article

Wynand Deyzel, Commercial Sales Manager, Solenco

4.Risk finance solutions in a soft market cycle: Unlocking strategic opportunity - Read article

Alfons van der Vyver, Executive Head: Risk Finance Solutions, Centriq Insurance Company Limited

5.Why employee mental health is an insurance risk businesses can’t ignore - Read article

Ryno de Kock, Head of Distribution at PSG Insure

6.Balancing Sasria and PTS Cover in an Uncertain World - Read article

Sibusiso Ntuli, Head of Large and Enterprise Clients at Aon South Africa

Technology

1.Built on controls. Proven through confidence - Read article

Ismail Alexander, QSURE Operational Applications Manager

2.AI in stockbroking: why co-pilot must come before autopilot - Read article

Abdur Amod, Head of Technology at Prescient Securities

3.Technology will reshape Africa's insurance industry. Human capability will determine who leads its future - Read article

ApexU

4.FP&A: The difference between anticipating change and chasing it - Read article

Alwyn Pretorius, GM at Infinitus Reporting Solutions

5.Data isn't the advantage. Trusted data is. - Read article

Angus Black, Director, BarnOwl Data Solutions

Associations Corner

1.Africa's next economic transformation will depend on insurance - Read article

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