Actuarial & Insurance Risk Advisory

Actuarial advice that keeps insurers solvent, compliant and competitive

Valuations, pricing, capital and risk management for life, non-life and reinsurance businesses and pension funds, delivered by qualified actuaries who understand African markets.

Overview

Sound numbers. Clear decisions.

Insurers operate under increasing regulatory, financial and competitive pressure. Xivoni helps management teams and boards understand their risks, meet reporting requirements and make confident decisions about products, capital and growth.

Our actuaries combine technical depth with practical, context-driven delivery. We explain complex results in plain language, so the numbers lead to action.

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Financial working papers, a calculator and notebook
What we do

Our capabilities

Reserving & valuations

Statutory and published reserving, IBNR analysis and actuarial valuations for life and non-life books.

IFRS 17 implementation

Methodology, measurement models, transition and reporting support, from design through to audit.

Product development & pricing

Financially sound, competitive products backed by robust assumptions and experience analysis.

Capital modelling & ORSA

Solvency capital calculations, own risk and solvency assessments, and capital planning.

Enterprise risk management

Risk frameworks, risk appetite and management information that boards can act on.

Reinsurance optimisation

Structuring reinsurance to balance risk transfer, capital relief and cost.

Asset-liability & balance sheet management

ALM modelling and return-on-capital analysis to optimise the balance sheet.

Regulatory compliance

Support for risk-based solvency regimes, including Solvency II-style requirements.

Audits of micro-insurers

Independent actuarial audits of micro-insurers, giving boards, auditors and regulators confidence in the numbers.

Audit & Assurance

Pension & retirement funds

Actuarial valuations, funding reviews and benefit design for pension and provident funds and their trustees.

Specialist services

Focused expertise within our actuarial practice

Head of Actuarial Function (HAF)

Outsourced HAF services covering technical provisions, capital, assumptions and board reporting.

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Public Sector Valuations (GRAP 25)

Audit-ready GRAP 25 employee benefit valuations for municipalities, SOEs and public entities.

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Inclusive Insurance & Emerging Markets

Microinsurance licensing, product design, audits of micro-insurers and growth strategy for underserved markets.

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Who we work with

Clients we serve

  • Life, non-life and composite insurers
  • Reinsurers
  • Micro-insurers and funeral insurers
  • Underwriting managers, MGAs and insurtechs
  • Pension and provident funds and their trustees
Our work in Insurance & Reinsurance
Why Xivoni

What sets us apart

  • ASSA-registered service provider (RSP178/2023)
  • Experience across South Africa, Eswatini, Tanzania and Zambia
  • Board-ready reporting in plain language
  • Technology-enabled delivery for speed and accuracy
Related work

Case studies

Life insuranceSouth Africa

Ongoing actuarial support for a life insurer

Actuarial services delivered satisfactorily, with competence and professionalism confirmed by the client.

Outcome: The client confirmed satisfactory delivery with competence and professionalism and recommended Xivoni for future work.

InsuranceSouth Africa

Reinsurance and risk analytics support

Actuarial and analytical support for risk and reinsurance decisions, with satisfactory delivery confirmed.

Outcome: The client confirmed satisfactory performance with competence and professionalism and recommended Xivoni for future work.

MicroinsuranceSouth Africa

Actuarial support for a growing microinsurer

Ongoing actuarial services, with satisfactory delivery and professionalism confirmed by the client.

Outcome: The client confirmed that assigned work was completed satisfactorily with competence and professionalism and recommended Xivoni.

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