Andre Johannes Lotz

Part of Sanlam Ltd., Emerald Risk Transfer Pty Ltd. is a leading provider of corporate property and associated engineering insurance products in the African continent and Indian Ocean islands. Headquartered in South Africa, Emerald is regulated by the Financial Sector Conduct Authority (FSCA) and has a representative office in the UK. Established in 1999, Emerald offers solution-driven insurance products to corporate policyholders, including multinational companies, mining processes, leisure and tourism groups, infrastructure entities, and more. The South African company has a strong financial strength with consistent net underwriting margin and sustainable net loss ratio. Emerald is a wholly owned subsidiary of Santam Limited, which is an authorized financial services provider and controlling company for its group companies.

Indwe Broker Holdings Ltd. provides risk and insurance products and services. The company is headquartered in Johannesburg, South Africa.

Part of Sanlam Ltd., MiWay Group Holdings (Pty) Ltd. is a South African company that provides financial services. The company is based in Midrand, South Africa.

Part of Sanlam Ltd., Santam Namibia Ltd. is a Namibian company that provides insurance services. The company is based in Windhoek, Namibia.

CENSEO Pty Ltd. provides engineering, consulting, and project management services. It offers turn-key assessment and reporting service, dilapidation, drafting, construction project management, home warranty investigation and repair management, and cost estimating. The company was founded in October 2005 and is headquartered in Belrose, Australia.

Ubuntu-Botho Investment Holdings Ltd. functions as an investment holding South African company. The private company is based in Johannesburg, South Africa.

Part of African Rainbow Capital Financial Services Holdings Pty Ltd., ARC Financial Services Investments Ltd. is an investment holding South African company. The company is based in Sandhurst, South Africa.

Sanlam Emerging Markets (Pty) Ltd. provides financial services. It offers life assurance, general insurance, and asset management services. The company is headquartered in Johannesburg, South Africa.

Part of Sanlam Ltd., Swanvest 120 Pty Ltd. operates an investment holding South African company with interests in the insurance business.

Part of Sappi Ltd., Sappi International SA is a company based in Brussels, Belgium. The Belgian company was founded in 1993.

Part of Sanlam Ltd., Brolink (Pty) Ltd. is a South African company that offers IT and business process outsourcing services to the short term insurance industry. The company is based in GT. Brolink (Pty was acquired by Santam Ltd. on April 29, 2014.

Mirabilis Engineering Underwriting Managers (Pty) Ltd. provides engineering insurance products. Its products include: Contractors' All Risks Insurance (CAR), Engineering Project Insurance Cover (EPIC), Advance Loss of Profits Insurance (ALOP), Contractors' Plant and Equipment Insurance (CPE), Machinery Breakdown Insurance (MB), Loss of Profits following Machinery Breakdown Insurance (MLOP), Deterioration of Stock Insurance (DOS), Electronic Equipment Insurance (EEI) and Civil Engineering Completed Risks (CECR) Insurance. The company was founded in 2006 and is headquartered in Cape Town, South Africa.

FBN Insurance Ltd. operates as a life insurance business providing coverage for Individual and corporate clients. Its products include credit life assurance plan, group welfare plan, group life assurance plan, keyman assurance plan, mortgage protection plan, and term assurance plan. The company was incorporated on September 1, 2010 and is headquartered in Lagos, Nigeria.

Part of Sanlam Ltd., Santam Structured Insurance Ltd. is a South African company that provides insurance services. The company is based in Bellville, South Africa.

Part of Sanlam Ltd., Gensec Bank is a provider of derivative-based risk management products to the savings industry. The company is based in Johannesburg, South Africa.

African Rainbow Capital Pty Ltd. operates as a investment company, which focuses on financial services and private equity placements. Its portfolio includes life insurance, healthcare, money management, and banking. The company was founded by Patrice Tlhopane Motsepe, Johan van Zyl, and Johan van der Merwe on April 14, 2016 and is headquartered in Sandton, South Africa.

UBI General Partner Pty Ltd. operates as an investment holding company. The company is headquartered in headquartered, South Africa.

Centriq Insurance Co. Ltd. provides insurance solutions. It offers alternative distribution, UMA, and risk financing. The company was founded in 2004 and is headquartered in Illovo, South Africa.

Indwe Risk Services Pty Ltd. provides financial services. It offers home insurance, vehicle insurance, emergency assistance, legal cover, health and accident cover and insurance consulting services. The company was founded in 1903 and is headquartered in Atholl, South Africa.

Part of Sanlam Ltd., Aegis Insurance Co. Ltd. is a South African company that provides insurance services. The company is based in Cape Town, South Africa. Aegis Insurance Co. was acquired by Guardian National Insurance Co. Ltd., a subsidiary of Sanlam Ltd. from RMB Holdings Ltd. on February 01, 1998 for $75.96 million.

Part of Brimstone Investment Corp. Ltd., The Lion of Africa Holdings Co. Pty Ltd. operates a holding South African company with interests in fund management services. The company is based in Cape Town, South Africa. The Lion of Africa Holdings was acquired by Brimstone Investment Corp. Ltd. on December 22, 2009.

Lion of Africa Insurance Co. Ltd. is a Nigerian company that provides insurance services. The private company is based in Lagos, Nigeria. and has subsidiaries in South Africa.

Credit Guarantee Insurance Corp. of Africa Ltd. provides underwriting services in the field of domestic and export credit insurance. It offers domestic and export trade credit insurance and bonds and surety. The company was founded in 1956 and is headquartered in Johannesburg, South Africa.

Part of PricewaterhouseCoopers International Ltd., PricewaterhouseCoopers, Inc. is a South African company that provides accounting, auditing, and bookkeeping services. The company is based in Sunninghill, South Africa.