<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional //EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html style="margin: 0;padding: 0;" xmlns="http://www.w3.org/1999/xhtml"><head>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8">
    <title></title>
    <!--[if !mso]><!--><meta http-equiv="X-UA-Compatible" content="IE=edge"><!--<![endif]-->
    <meta name="viewport" content="width=device-width"><style type="text/css">
@media only screen and (min-width: 620px){.column{}.wrapper{min-width:600px !important}.wrapper h1{}.wrapper h1{font-size:56px !important;line-height:60px !important}.wrapper h2{}.wrapper h2{font-size:24px !important;line-height:32px !important}.wrapper h3{}.wrapper h3{font-size:18px !important;line-height:26px !important}.wrapper .size-8,.wrapper .size-8-m,.wrapper .size-8-l{font-size:8px !important;line-height:14px !important}.wrapper .size-8-m{line-height:16px !important}.wrapper .size-8-l{line-height:24px !important}.wrapper .size-9,.wrapper .size-9-m,.wrapper .size-9-l{font-size:9px !important;line-height:16px !important}.wrapper .size-9-m{line-height:18px !important}.wrapper .size-9-l{line-height:27px !important}.wrapper .size-10,.wrapper .size-10-m,.wrapper .size-10-l{font-size:10px !important;line-height:18px !important}.wrapper .size-10-m{line-height:20px !important}.wrapper 
.size-10-l{line-height:30px !important}.wrapper .size-11,.wrapper .size-11-m,.wrapper .size-11-l{font-size:11px !important;line-height:19px !important}.wrapper .size-11-m{line-height:22px !important}.wrapper .size-11-l{line-height:33px !important}.wrapper .size-12,.wrapper .size-12-m,.wrapper .size-12-l{font-size:12px !important;line-height:19px !important}.wrapper .size-12-m{line-height:24px !important}.wrapper .size-12-l{line-height:36px !important}.wrapper .size-13,.wrapper .size-13-m,.wrapper .size-13-l{font-size:13px !important;line-height:21px !important}.wrapper .size-13-m{line-height:26px !important}.wrapper .size-13-l{line-height:39px !important}.wrapper .size-14,.wrapper .size-14-m,.wrapper .size-14-l{font-size:14px !important;line-height:21px !important}.wrapper .size-14-m{line-height:28px !important}.wrapper .size-14-l{line-height:42px !important}.wrapper .size-15,.wrapper 
.size-15-m,.wrapper .size-15-l{font-size:15px !important;line-height:23px !important}.wrapper .size-15-m{line-height:30px !important}.wrapper .size-15-l{line-height:45px !important}.wrapper .size-16,.wrapper .size-16-m,.wrapper .size-16-l{font-size:16px !important;line-height:24px !important}.wrapper .size-16-m{line-height:32px !important}.wrapper .size-16-l{line-height:48px !important}.wrapper .size-17,.wrapper .size-17-m,.wrapper .size-17-l{font-size:17px !important;line-height:26px !important}.wrapper .size-17-m{line-height:34px !important}.wrapper .size-17-l{line-height:51px !important}.wrapper .size-18,.wrapper .size-18-m,.wrapper .size-18-l{font-size:18px !important;line-height:26px !important}.wrapper .size-18-m{line-height:36px !important}.wrapper .size-18-l{line-height:54px !important}.wrapper .size-20,.wrapper .size-20-m,.wrapper .size-20-l{font-size:20px 
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.size-112-l{font-size:112px !important;line-height:116px !important}.wrapper .size-112-m{line-height:224px !important}.wrapper .size-112-l{line-height:336px !important}.wrapper .size-128,.wrapper .size-128-m,.wrapper .size-128-l{font-size:128px !important;line-height:132px !important}.wrapper .size-128-m{line-height:256px !important}.wrapper .size-128-l{line-height:384px !important}.wrapper .size-144,.wrapper .size-144-m,.wrapper .size-144-l{font-size:144px !important;line-height:148px !important}.wrapper .size-144-m{line-height:288px !important}.wrapper .size-144-l{line-height:432px !important}}
</style>
    <meta name="x-apple-disable-message-reformatting">
    <style type="text/css">
.main, .mso {
  margin: 0;
  padding: 0;
}
table {
  border-collapse: collapse;
  table-layout: fixed;
}
* {
  line-height: inherit;
}
[x-apple-data-detectors] {
  color: inherit !important;
  text-decoration: none !important;
}
.wrapper .footer__share-button a:hover,
.wrapper .footer__share-button a:focus {
  color: #ffffff !important;
}
.wrapper .footer__share-button a.icon-white:hover,
.wrapper .footer__share-button a.icon-white:focus {
  color: #ffffff !important;
}
.wrapper .footer__share-button a.icon-black:hover,
.wrapper .footer__share-button a.icon-black:focus {
  color: #000000 !important;
}
.btn a:hover,
.btn a:focus,
.footer__share-button a:hover,
.footer__share-button a:focus,
.email-footer__links a:hover,
.email-footer__links a:focus {
  opacity: 0.8;
}
.preheader,
.header,
.layout,
.column {
  transition: width 0.25s ease-in-out, max-width 0.25s ease-in-out;
}
.preheader td {
  padding-bottom: 8px;
}
.layout,
div.header {
  max-width: 400px !important;
  -fallback-width: 95% !important;
  width: calc(100% - 20px) !important;
}
div.preheader {
  max-width: 360px !important;
  -fallback-width: 90% !important;
  width: calc(100% - 60px) !important;
}
.snippet,
.webversion {
  Float: none !important;
}
.stack .column {
  max-width: 400px !important;
  width: 100% !important;
}
.fixed-width.has-border {
  max-width: 402px !important;
}
.fixed-width.has-border .layout__inner {
  box-sizing: border-box;
}
.snippet,
.webversion {
  width: 50% !important;
}
.mso .layout__edges {
  font-size: 0;
}
.layout-fixed-width,
.mso .layout-full-width {
  background-color: #ffffff;
}
@media only screen and (min-width: 620px) {
  .column,
  .gutter {
    display: table-cell;
    Float: none !important;
    vertical-align: top;
  }
  div.preheader,
  .email-footer {
    max-width: 560px !important;
    width: 560px !important;
  }
  .snippet,
  .webversion {
    width: 280px !important;
  }
  div.header,
  .layout,
  .one-col .column {
    max-width: 600px !important;
    width: 600px !important;
  }
  .fixed-width.has-border,
  .fixed-width.x_has-border,
  .has-gutter.has-border,
  .has-gutter.x_has-border {
    max-width: 602px !important;
    width: 602px !important;
  }
  .two-col .column {
    max-width: 300px !important;
    width: 300px !important;
  }
  .three-col .column,
  .column.narrow,
  .column.x_narrow {
    max-width: 200px !important;
    width: 200px !important;
  }
  .column.wide,
  .column.x_wide {
    width: 400px !important;
  }
  .two-col.has-gutter .column,
  .two-col.x_has-gutter .column {
    max-width: 290px !important;
    width: 290px !important;
  }
  .three-col.has-gutter .column,
  .three-col.x_has-gutter .column,
  .has-gutter .narrow {
    max-width: 188px !important;
    width: 188px !important;
  }
  .has-gutter .wide {
    max-width: 394px !important;
    width: 394px !important;
  }
  .two-col.has-gutter.has-border .column,
  .two-col.x_has-gutter.x_has-border .column {
    max-width: 292px !important;
    width: 292px !important;
  }
  .three-col.has-gutter.has-border .column,
  .three-col.x_has-gutter.x_has-border .column,
  .has-gutter.has-border .narrow,
  .has-gutter.x_has-border .narrow {
    max-width: 190px !important;
    width: 190px !important;
  }
  .has-gutter.has-border .wide,
  .has-gutter.x_has-border .wide {
    max-width: 396px !important;
    width: 396px !important;
  }
}
@supports (display: flex) {
  @media only screen and (min-width: 620px) {
    .fixed-width.has-border .layout__inner {
      display: flex !important;
    }
  }
}
/***
* Mobile Styles
*
* 1. Overriding inline styles
*/
@media(max-width: 619px) {
  .email-flexible-footer .left-aligned-footer .column,
  .email-flexible-footer .center-aligned-footer,
  .email-flexible-footer .right-aligned-footer .column {
    max-width: 100% !important; /* [1] */
    text-align: center !important; /* [1] */
    width: 100% !important; /* [1] */
  }
  .flexible-footer-logo {
    margin-left: 0px !important; /* [1] */
    margin-right: 0px !important; /* [1] */
  }
  .email-flexible-footer .left-aligned-footer .flexible-footer__share-button__container,
  .email-flexible-footer .center-aligned-footer .flexible-footer__share-button__container,
  .email-flexible-footer .right-aligned-footer .flexible-footer__share-button__container {
    display: inline-block;
    margin-left: 5px !important; /* [1] */
    margin-right: 5px !important; /* [1] */
  }
  .email-flexible-footer__additionalinfo--center {
    text-align: center !important; /* [1] */
  }
  
  .email-flexible-footer .left-aligned-footer table,
  .email-flexible-footer .center-aligned-footer table,
  .email-flexible-footer .right-aligned-footer table {
    display: table !important; /* [1] */
    width: 100% !important; /* [1] */
  }
  .email-flexible-footer .footer__share-button,
  .email-flexible-footer .email-footer__additional-info {
    margin-left: 20px;
    margin-right: 20px;
  }
}
@media only screen and (-webkit-min-device-pixel-ratio: 2), only screen and (min--moz-device-pixel-ratio: 2), only screen and (-o-min-device-pixel-ratio: 2/1), only screen and (min-device-pixel-ratio: 2), only screen and (min-resolution: 192dpi), only screen and (min-resolution: 2dppx) {
  .fblike {
    background-image: url(http://i7.cmail20.com/static/eb/master/13-the-blueprint-3/images/fblike@2x.png) !important;
  }
  .tweet {
    background-image: url(http://i8.cmail20.com/static/eb/master/13-the-blueprint-3/images/tweet@2x.png) !important;
  }
  .linkedinshare {
    background-image: url(http://i9.cmail20.com/static/eb/master/13-the-blueprint-3/images/lishare@2x.png) !important;
  }
  .forwardtoafriend {
    background-image: url(http://i10.cmail20.com/static/eb/master/13-the-blueprint-3/images/forward@2x.png) !important;
  }
}
@media (max-width: 321px) {
  .fixed-width.has-border .layout__inner {
    border-width: 1px 0 !important;
  }
  .layout,
  .stack .column {
    min-width: 320px !important;
    width: 320px !important;
  }
  .border {
    display: none;
  }
  .has-gutter .border {
    display: table-cell;
  }
}
.cmctbl--inline table {
  border-collapse: collapse;
}
</style>
    
  <style type="text/css">
.main,.mso{background-color:#fff}.logo a:hover,.logo a:focus{color:#1e2e3b !important}.footer-logo a:hover,.footer-logo a:focus{color:#372d1b !important}.mso .layout-has-border{border-top:1px solid #ccc;border-bottom:1px solid #ccc}.mso .layout-has-bottom-border{border-bottom:1px solid #ccc}.mso .border{background-color:#ccc}.mso h1{}.mso h1{font-size:56px !important;line-height:60px !important}.mso h2{}.mso h2{font-size:24px !important;line-height:32px !important}.mso h3{}.mso h3{font-size:18px !important;line-height:26px !important}.mso .layout__inner{}.mso .footer__share-button p{}.mso .footer__share-button p{font-family:sans-serif}
</style><!--[if mso]><style type="text/css" emb-not-inline>
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!important;line-height:14px !important}.mso .size-8-m{line-height:16px !important}.mso .size-8-l{line-height:24px !important}.mso .size-9,.mso .size-9-m,.mso .size-9-l{font-size:9px !important;line-height:16px !important}.mso .size-9-m{line-height:18px !important}.mso .size-9-l{line-height:27px !important}.mso .size-10,.mso .size-10-m,.mso .size-10-l{font-size:10px !important;line-height:18px !important}.mso .size-10-m{line-height:20px !important}.mso .size-10-l{line-height:30px !important}.mso .size-11,.mso .size-11-m,.mso .size-11-l{font-size:11px !important;line-height:19px !important}.mso .size-11-m{line-height:22px !important}.mso .size-11-l{line-height:33px !important}.mso .size-12,.mso .size-12-m,.mso .size-12-l{font-size:12px !important;line-height:19px !important}.mso .size-12-m{line-height:24px !important}.mso .size-12-l{line-height:36px !important}.mso .size-13,.mso 
.size-13-m,.mso .size-13-l{font-size:13px !important;line-height:21px !important}.mso .size-13-m{line-height:26px !important}.mso .size-13-l{line-height:39px !important}.mso .size-14,.mso .size-14-m,.mso .size-14-l{font-size:14px !important;line-height:21px !important}.mso .size-14-m{line-height:28px !important}.mso .size-14-l{line-height:42px !important}.mso .size-15,.mso .size-15-m,.mso .size-15-l{font-size:15px !important;line-height:23px !important}.mso .size-15-m{line-height:30px !important}.mso .size-15-l{line-height:45px !important}.mso .size-16,.mso .size-16-m,.mso .size-16-l{font-size:16px !important;line-height:24px !important}.mso .size-16-m{line-height:32px !important}.mso .size-16-l{line-height:48px !important}.mso .size-17,.mso .size-17-m,.mso .size-17-l{font-size:17px !important;line-height:26px !important}.mso .size-17-m{line-height:34px !important}.mso 
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Keeping your insurance relevant through your key life stages</strong></p><p style="Margin-top: 20px;Margin-bottom: 20px;">As you move through your life, hit milestones, and amass assets, the one thing you always need to have a handle on is your insurance. As your life changes, so do your risks, and your policies should keep up.&nbsp;- <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-ejhljid-tuxkulyjy-b/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>New e-onboarding platform to ease cumbersome FICA requirements</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14">Momentum Securities has unveiled a proprietary e-onboarding capability as part of its upgraded trading platform and app launch. The trading platform offers clients an effortless way in which to manage their trades online.&nbsp;- <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-ejhljid-tuxkulyjy-n/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Corporation for Deposit Insurance Statement</strong></p><p style="Margin-top: 20px;Margin-bottom: 20px;">It is international best practice for countries to have a deposit insurance scheme. Until now, South Africa was the only member of the Group of Twenty (G20) countries, which did not have an explicit deposit insurance scheme. - <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-ejhljid-tuxkulyjy-x/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Unpacking the Complexity of an Employee&#8217;s Disability Claim</strong></p><p style="Margin-top: 20px;Margin-bottom: 0;">What happens if an employee becomes seriously ill or disabled whilst in employment, and lodges a successful disability claim? What is the impact of such a claim on their employment contract, and the rest of their employer-sponsored benefits?&nbsp;Johan Botha, head of employee benefits business development at Aon SA, explains&nbsp;- <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-ejhljid-tuxkulyjy-m/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Global gold demand stays strong, supporting record-high price</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14">The World Gold Council&#8217;s Q1 2024 <em>Gold Demand Trends </em>report reveals that total global gold demand (inclusive of OTC purchases) was up 3% year-on-year to 1,238t, marking the strongest first quarter since 2016. Demand excluding OTC fell 5% to 1,102t in Q1 compared to the same period in 2023. - <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-ejhljid-tuxkulyjy-q/"><em><strong>Read Article</strong></em></a></p>
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        <p class="size-20" style="Margin-top: 0;Margin-bottom: 0;font-size: 17px;line-height: 26px;text-align: center;" lang="x-size-20"><strong>Insurance in numbers&nbsp;</strong></p><p style="Margin-top: 20px;Margin-bottom: 0;">The Insurances market in South Africa is&nbsp;<strong>projected to reach a gross written premium of US$82.07bn in 2024</strong>. The market is dominated by Life insurances, with a projected market volume of US$52.59bn in the same year. On average, individuals in South Africa are expected to spend US$1.35k per capita on insurance in 2024.</p>
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