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COVER Magazine
Author: COVER Publications 100 (Pty) Ltd
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At COVER, we believe that the cornerstone of success is knowledge. We believe that knowledge is a foundational element to success, allowing you to accurately map your journey, armed with insights. These insights allow you to accelerate your professional growth.
Join us on this Knowledge Sharing journey.
Join us on this Knowledge Sharing journey.
387 Episodes
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In this episode of the Mind Shift podcast, host Tony from Cover magazine interviews Johan Minnie, the newly appointed CEO Designate of Consult. Johan shares his professional journey, the reasons for taking up his new role, and his vision for the future of financial planning in South Africa. He talks about the growth potential of Consult in the South African market, the importance of providing professional financial advice, and his personal background. Johan also discusses his approach to leadership, balancing stress, and the importance of making business enjoyable. Don't miss this insightful conversation about the next steps for Consult and the evolving financial planning environment.
Leadership Insights from Elite Risk Managing Director and co-founder Tarina Vlok | COVER Leadership Edition 2026
Join Tony from COVER as he engages in an enlightening conversation with Tarina Vlok, CEO of Elite Risk. In this special Leadership Edition episode, Tarina shares her thoughts on what makes an effective leader in the insurance industry. She emphasizes the importance of people-focused leadership, empathy, integrity, and trust-building. Tarina also addresses the challenges and priorities for future leaders, the role of technology and AI, and discusses the industry's impact on socio-economic issues in South Africa. Don't miss this insightful discussion about leadership, resilience, and the future of the insurance industry.
In this interview, Tony speaks with Nick Smit, a product development actuary at Bidvest Life, about the upcoming FPI convention and its theme 'Bring It Home.' They discuss the challenges in the advisor-client relationship, especially the skepticism towards life insurance and affordability issues. Nick elaborates on the complexities of insurance products and how Bidvest Life addresses these challenges through innovative product features like the commutation option and life income benefits. The conversation also highlights the significance of fast claims processing, the role of advisors in managing claims, and the importance of personal relationships in the financial planning industry.
In this interview, Tony from COVER speaks with Ellen Gower, the CFO of Fulcrum, about the critical importance of financial literacy for individuals and businesses. Ellen defines financial literacy as understanding how numbers work in various facets of life and emphasizes its significance in decision-making, budgeting, and investment. She calls for better financial education in South Africa's schools and discusses how financial literacy leads to better personal and business outcomes. They explore misconceptions about financial literacy, the benefits of challenging oneself to improve financial understanding, and how Fulcrum simplifies financial processes for the insurance industry. Ellen highlights Fulcrum's commitment to education, mentorship, and leveraging new technologies like AI to drive industry innovation and efficiency.
In this episode, Tony from Cover interviews Mike Adsetts, Global Chief Investment Officer at Momentum Investments, about the implementation and effects of the two-part system one year post-launch. Mike discusses the operational success, the behavior patterns of fund members, and the system's impact on lower to mid-income earners who are often most distressed financially. They also explore global comparisons, fund management strategies, and the potential long-term benefits and challenges of the two-part system within the context of economic growth and employment creation. Tune in for a deep dive into the intricacies of retirement fund management and policy impacts.
Join Tony from Cover as he interviews Thabo Twalo, Chief Underwriting Officer for Sanlam Broker Solutions, about the intricacies of risk management in the commercial underwriting process. Thabo discusses the four primary aspects of risk management: risk selection, risk sharing, risk management expectations, and risk capacity allocation. He delves into the implementation of these strategies, focusing on surveys, housekeeping, and technological requirements like tracking devices. Thabo also emphasizes the importance of broker training and client participation in managing risks effectively and shares insights on industry skill shortages and the evolving role of brokers in the insurance market.
In this insightful interview, Tony from Cover speaks with Riaan van Reenen, CEO of Discovery Life, about the crucial role of life expectancy in life insurance. They discuss global life expectancy trends, the impact of lifestyle choices on health and longevity, and how Discovery Life's Vitality program incentivizes healthy living. The discussion extends to the benefits for policyholders, the insurance company, and society, emphasizing the importance of personalized health journeys powered by AI. This episode is a must-watch for anyone interested in the intersection of health, insurance, and innovation.
Join Tony from Cover as he interviews Herman Scheepers, CEO of Renasa Insurance, about the critical challenges leaders face in a rapidly changing world. Amidst economic uncertainties and technological advancements, Herman discusses the importance of staying relevant, integrating new technologies, and addressing cybersecurity threats. He delves into strategies for motivating staff, recognizing their contributions, and upskilling to keep pace with innovation. Learn how Renasa benefits from being part of the TIH group, leveraging broader talent pools and sharing ideas to navigate the evolving insurance landscape effectively.
In this episode, Tony speaks with Khanyi Nzukuma, CEO of Glacier by Sanlam, about the Great Wealth Transfer—a major global trend involving the shift of trillions of dollars from Baby Boomers to younger generations. They discuss the significant challenges and opportunities this transition presents for financial advisors, particularly in engaging with tech-savvy millennials. The conversation also covers the unique situation in South Africa where wealth is distributed across various jurisdictions, necessitating complex estate planning and robust financial structures. Learn how Glacier by Sanlam is helping advisors navigate these complexities with specialized solutions and products.
In this episode, Tony from Cover interviews Theoniel McDonald, Head of Financial Planning and Wealth Manager at Wealth Associates. They discuss Theoniel's journey from owning a computer business to becoming a top financial planner, his passion for financial planning, and his recent achievement of becoming a finalist in the Financial Planner of the Year competition. Theoniel shares insights on the evolution of the financial planning industry, the importance of regulations, the role of technology, and his commitment to education. He also talks about the challenges and rewards of his profession, the significance of building lasting client relationships, and his vision for the future.
In this episode, Tony from Cover speaks with Michele Jennings, the Chief Executive at glu, about her inspiring journey in leadership. Michele shares her experiences, challenges, and the pivotal moments that shaped her career. She emphasizes the importance of mentorship, shared value in business, and her approach to fostering a supportive and inclusive work culture. Michele also discusses the unique challenges women face in leadership roles and offers advice for aspiring female leaders. Tune in to learn about Michele's thoughts on innovation, particularly the role of AI in future business growth.
Join Tony as he converses with Gideon Bochedi, the CEO of Credit Guarantee Insurance Corporation (CGIC). They delve into the intricacies of credit guarantee insurance, covering its purpose, market conditions, challenges faced by underwriters, and the significance of data in predicting economic outcomes. Gideon also explains the role of brokers and the specialized skills required in the credit insurance sector, along with CGIC's contribution to supporting business liquidity and growth in uncertain economic times. An insightful discussion for anyone interested in the financial and insurance industries.
In this in-depth conversation, Tony from Cover speaks with Elna van Wyk, Chief Operating Officer at Hollard Group, about the recent concussion workshop held with the South African Rugby Union (SARU) and MyPlayers. They discuss the importance of understanding concussion, the role of insurers in sports, and the initiatives taken to ensure player safety and premium sustainability. Elna shares valuable insights on injury prevention, the acceptance of new technologies like the intermental mouth guard, and the income protection cover provided by Hollard to professional rugby players. This episode highlights the collaborative efforts among medical professionals, insurers, and sports organizations to enhance the management of high-risk sports like rugby.
In this episode, Tony from Cover engages in a detailed discussion with Thomas Kieck, Business Development Director at Tial Technologies. They explore the rapidly evolving landscape of short-term insurance administration, focusing on the integration of AI, machine learning, and omni-channel sales platforms to add value for brokers and end customers alike. Thomas reflects on the industry's changes over the past 25 years, discusses the challenges and opportunities of operating in different markets like South Africa and Mauritius, and emphasizes the importance of data integrity, client training, and hyper-personalization. He also shares insights on the future potential of AI and technology in transforming the insurance sector.
Tony at Cover speaks with Daniel Moeti, the Executive Head of Business Development at Hollard Group Risk. Dan shares his extensive career journey from a small town in the Free State, through various educational achievements, to becoming a prominent figure in the insurance industry. He provides insights into his leadership style, the importance of group risk insurance, and advice for young professionals. Dan emphasizes the value of continuous learning, understanding the market, and the collaborative nature of effective leadership.
Join Tony from Cover as he sits down with Danny Collins, the founder and CEO of X'S Sure. Danny shares the origin story of X'S Sure, from its inception in 2004 to its growth over the past two decades. They discuss the innovative solutions X'S Sure offers to cover gaps in traditional policies, such as excess cover, tire insurance, and more. Danny also touches on the challenges of maintaining relevance in a competitive market, the importance of strong broker relationships, and hints at exciting future developments for the company. Don't miss this insightful conversation packed with valuable industry insights and entrepreneurial wisdom.
Join Tony from Cover as he interviews Yvonne Perumal, Head of Legal at IAM, a division of Standard Bank Group. In this engaging discussion, Yvonne shares her career journey, emphasizing the importance of curiosity, confidence, and mentorship. She talks about transitioning from legal roles to business development in Africa, the value of strategic networks, and balancing high-profile work with personal well-being. Yvonne also offers insightful advice for women in the early stages of their careers and highlights her commitment to mentor future legal talents. Don't miss her tips on leadership, growth, and making an impact in the financial and legal sectors.
Join Tony from Cover as he speaks with Kgolagano Zaza Leola, the Head of Collections at Credit Guarantee Insurance Corporation. In this insightful conversation, Kgolagano shares her experiences and expertise, discussing the economy's current pulse, the challenges SMEs face, and the essential skills needed in the credit insurance industry. Kgolagano also provides a personal glimpse into her career journey, her passion for helping businesses navigate difficult times, and future aspirations for both her and the company. Learn about the misconceptions around credit guarantee insurance and the impactful role this corporation plays in supporting businesses across South Africa.
Join Tony from Cover as he interviews Nicola, a 2025 Certified FPI Financial Planner of the Year & Wealth Manager at Private Client Holdings. Nicola shares her excitement about the recognition, her motivation for entering the contest, the rigorous process involved, and her journey in financial planning. They discuss the importance of continuous learning, holistic financial planning, and the profession’s evolving nature. Nicola also reveals her passion for education and how her diverse background has enriched her career. Tune in for valuable insights into the standards and challenges faced by today's top financial planners.























