Emerald
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Emerald is a wholly owned subsidiary of, and writes business into the insurance licence of Santam Limited, who is the leading short term insurer in South Africa, with a market share of close to 24%, annualised gross written premium of more than ZAR24.3 billion, assets worth more than ZAR27.9 billion and over 1 000 000 policyholders.

Emerald is also a coverholder at Lloyds.

Santam financial strength ratings:
Standard & Poors - BBB+ (on sovereign downgrade) (Negative) ZA AAA National Scale Rating May 2016
Global Credit Ratings - AAA (ZA) (Stable) July 2016


Sanlam is the second largest insurance group in South Africa, and has the largest insurance footprint in the rest of Africa.  Sanlam has businesses in 23 countries worldwide, assets under management of ZAR383 billion (USD37 billion*), and an effective 60% ownership of Santam.  Santam has an effective 35% ownership in all Sanlam investments in emerging markets.

*Average exchange rate (ZAR/USD) for 2015 at 12.74

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