<!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.cmail19.com/static/eb/master/13-the-blueprint-3/images/fblike@2x.png) !important;
  }
  .tweet {
    background-image: url(http://i8.cmail19.com/static/eb/master/13-the-blueprint-3/images/tweet@2x.png) !important;
  }
  .linkedinshare {
    background-image: url(http://i9.cmail19.com/static/eb/master/13-the-blueprint-3/images/lishare@2x.png) !important;
  }
  .forwardtoafriend {
    background-image: url(http://i10.cmail19.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>Local investors face dilemma as momentous SA and US elections prompt wait-and-see response</strong></p><p style="Margin-top: 20px;Margin-bottom: 20px;">From the looming threats of a formation of a coalition government with some calling that a sign of a maturing democracy to trump calling for the end of the Bidenomics and the reintroduction of the Maganomics, all these political dribbling&#8217;s are expected to have a marked impact on our markets. So where does this leave asset managers? - <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail19.com/t/d-l-ejhlkkk-tuxkulyjy-o/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Who let the CATs out?</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 20px;font-size: 14px;line-height: 21px;" lang="x-size-14">The sheer number of weather-related catastrophes over the past few years, and last year in particular, has shaken the foundation of the insurance market, signalling a looming crisis. Can insurance still be counted on to pick up the pieces when things fall apart?&nbsp;The ominous rumblings of climate change have reached the insurance industry's doorstep, and the forecast is troubling. - <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail19.com/t/d-l-ejhlkkk-tuxkulyjy-b/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Are you covered against the risk of civil unrest?</strong></p><p style="Margin-top: 20px;Margin-bottom: 20px;">South Africa remains challenged from a socio-economic perspective, with low economic growth, high unemployment, and rampant inequality. A knock-on impact of this is that the risk of strikes, riots and other forms of unrest unfortunately cannot be ignored. Karen Rimmer of PSG Insure, emphasizes the fact that commercial insurers do not usually cover these risks.&nbsp;- <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail19.com/t/d-l-ejhlkkk-tuxkulyjy-p/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>The IISA is now a Chartered Insurance Institute affiliated institute&nbsp;</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14">The IISA is delighted to announce the successful renewal of our affiliation status with CII affiliated institute. As a Chartered professional body of more than a century&#8217;s standing, the CII &#8211; supported by its Societies &#8211; grants Chartered titles to individuals and organisations that meet a strict qualifying criterion.&nbsp;- <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail19.com/t/d-l-ejhlkkk-tuxkulyjy-x/"><em><strong>Read Article</strong></em></a></p>
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        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Motor Body Repair sector welcomes first set of graduates</strong></p><p style="Margin-top: 20px;Margin-bottom: 0;">The first cohort of 22 graduates were honoured this year following a three-year artisan development programme at the C3 Auto Body Repair Academy in Bloemfontein, in partnership with motor body repairers in Bloemfontein and Johannesburg, &nbsp;where learners followed a rigorous on the job programme. -&nbsp;<a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail19.com/t/d-l-ejhlkkk-tuxkulyjy-c/"><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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@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;text-align:center !important;width:100% !important}.flexible-footer-logo{margin-left:0px !important;margin-right:0px !important}.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;margin-right:5px !important}.email-flexible-footer__additionalinfo--center{text-align:center !important}.email-flexible-footer .left-aligned-footer table,.email-flexible-footer .center-aligned-footer table,.email-flexible-footer .right-aligned-footer 
table{display:table !important;width:100% !important}.email-flexible-footer .footer__share-button,.email-flexible-footer .email-footer__additional-info{margin-left:20px;margin-right:20px}}
</style><img style="visibility: hidden !important; display: block !important; height:1px !important; width:1px !important; border: 0 !important; margin: 0 !important; padding: 0 !important" src="https://cover.cmail19.com/t/d-o-ejhlkkk-tuxkulyjy/o.gif" width="1" height="1" border="0" alt="">
</body></html>



