Strategic, regulatory and actuarial expertise for emerging and high-growth insurers, with a strong focus on microinsurance and inclusive models.
Inclusive insurance only works when products are affordable for customers and financially sound for insurers. Xivoni helps clients get both right, from licensing through to growth.
We have supported micro-insurers, funeral insurers and burial societies in South Africa and Eswatini to design better products, strengthen pricing and engage confidently with regulators. Our experience also includes auditing micro-insurers.
Speak to an expert
Regulatory guidance and governance support for licensing readiness (e.g. FSCA).
Affordable, financially sound products tailored to low-income segments.
Pricing, IBNR and reserving for high-volume funeral and group schemes.
Actuarial business plans supporting licensing and regulatory engagement.
Independent actuarial audits of micro-insurers, giving boards, auditors and regulators confidence in the numbers.
Audit & AssuranceValuation, capital modelling and credible business cases for funding.
Mobile-first approaches that expand access and improve engagement.
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.
Product and planning inputs designed to support sustainable pricing and member value.
Outcome: Delivered product and planning inputs intended to support sustainability and member value.
Tell us what you're working on. We'll respond within two business days.