Our retail strategy is largely based on strategic alliances and ventures with
networks of distribution
such as bancassurers, affinity group including unions and employers, car dealers and shipping and forwarding agencies. In this regard, we coordinate our brokerage, training and process competence to enable our partners to provide appropriate insurance products to their own customers, members or employees. In planning our schemes we work with our distributing partner to identify particular cover requirements. We also work together on promotion and marketing plans to ensure that all members of the group are able to benefit. For larger schemes we are also able to offer personalized hard and soft solutions as well as dedicated quotation and service phone lines.