We have contracts with Discovery Life, Old Mutual, Sanlam, Hollard, Alexander Forbes, Momentum and Brightrock and we use whichever life insurer best suits our clients needs.
The main factor we take into account is premium, since all these life insurance companies are highly reliable and we have never had a life insurance claim not been paid.
Indeed in May 1996 we had a R8mill claim paid by Discovery Life on the life of a client in Harare who had been on this policy for three days and who had not yet even paid his first premium! As you can imagine this was very good for our reputation in Zimbabwe!
If our clients want dollar denominated policies we either do this through the relatively new Discovery Life Dollar Plan or through the Isle of Man based company RL 360.