About Clientèle

The Clientèle Limited Group is a diversified financial services group, listed on the Johannesburg Stock Exchange and is one of South Africa's leading direct distributors of financial service products. Over the past 20 years it has been successful in offering convenient and easy to understand financial services products to the public through various direct marketing and sales distribution channels.

Clientèle Limited's business model and the execution thereof has resulted in Clientèle Life becoming the fastest growing Life Office in South Africa in relative terms. This model has provided shareholders with sustained growth and returns on their investments with Return on Shareholder Equity consistently exceeding 50%. Clientèle has also consistently been rated in the top 50 companies for sustainable growth and return on shareholder interests on the JSE.

Our Vision
  • To be South Africa’s most reliable and valued financial services partner.

Our Group Purpose
  • Safeguarding your world with compassion.

Our Values
  • Respect: Treating colleagues, clients and other stakeholders with respect, courtesy and fairness.
  • Customer Excellence: Connecting with our clients in a professional, ethical and focused manner.
  • Passion: Approaching every task with determination, energy and commitment.
  • Integrity: Adhering to high moral standards and being honest in all that we do.
  • Teamwork: Working effectively with others, utilising individual and combined strengths to succeed.
Our Business Model

Clientèle has cultivated an understanding of the needs for financial protection and investment for South Africans from all walks of life. These needs are well provided for in Clientèle's comprehensive yet uncomplicated range of products, which include life insurance, dread disease insurance, hospital insurance, investment and legal insurance products. This simplicity, efficiency and convenience extends throughout Clientèle's product range and service.


IFA (Independent Field Advertisers)

IFA, is the network marketing division of Clientèle Life, one of the most trusted and respected names in the South African financial services sector. In July 1998, Clientèle Life identified an opportunity in the insurance industry and introduced a "first of its kind" marketing approach – the IFA Business Opportunity. Through the IFA Business Opportunity South Africans have the opportunity to apply for insurance products that suit their needs and at the same time, have the opportunity to earn additional income by introducing others to the opportunity.

The simplicity of the concept means that the IFA Business Opportunity can be taken up by almost any adult South African, regardless of their qualification or work experience. With hard work, tenacity and determination, an IFA can build a promising and sustainable business.

The rewards and earning potential are directly proportionate to the effort IFAs put into their business.

Click here to visit the IFA website.

Our company VAT number is 4360/246/476
Our company registration number is 2007/023806/06

Listing on the JSE

Restructuring took place during May 2008 whereby Clientèle Limited became the new JSE holding company of the Clientèle Group. The rationale was to increase the flexibility of the Clientèle Group to introduce complementary product offerings beyond its traditional life assurance products.


See below to download the Restructuring Circular: Delisting of Clientèle Life and listing of Clientèle Limited.

Downloads:

Achievements

Clientèle Limited is a diverse financial services group, marketing valuable financial services products via its two highly regarded brands; Clientèle and IFA. We have consistently been rated in the Top 50 companies for sustainable growth. The following awards and milestones have been achieved by the Group:


2014
  • Clientèle ranked No.2 in Financial Mail Top Companies of 2014.
  • A JSE listed company that has increased profits every year for the last 16 years.
  • Our National Contact Centre won the Award for the Best Contact Centre in South Africa at the Contact Centre Management Group of South Africa awards.

2013
  • The only JSE listed company that has increased profits every year for the last 15 years.
  • Voted number 1 in the Life Assurance category of the Star’s reader’s choice awards.
  • Awarded 1st position for Service Excellence in the long-term insurance industry by the Ask Afrika Orange index for 2013
  • Positioned at number 18 in the Financial Mail "Top Company” survey.
  • Silver award awarded to the National Contact Centre by the Contact Centre Management Group of South Africa.

2011
  • DSA Vision for Tomorrow Merit Award
  • Ranked 38th in the Business Times Top 100 Companies for compound growth in the value of Share Price over 5 years.
  • Ranked 44th in the Business Times Top 100 Companies for compound growth in the value of Share Price over 1 year.
  • In 'The Star Annual Readers’ Choice 2011 Awards – Clientèle was voted:
  • Best Life Insurance
  • Best Insurance Company
  • Sunday Times Top Brands’ for 2011 – Clientèle was voted 6th Long-Term Insurance Consumer Metro

2010
  • DSA Education for Life Award
  • DSA Vision for Tomorrow Merit Award
  • Best rated company listed under the Life Sector of the JSE on the Business Times Top 100 Companies Survey
  • Ranked 10th on Business Times Top 100 Companies Survey for return on shareholders’ funds over five years
  • Voted 5th favourite life insurance company in the Rapport TGI Survey "SA’s 2010 Icon Trademarks”

2009
  • Voted "Best” insurance company by the Star’s Readers Choice Awards
  • Ranked 51st amongst all listed companies for return on shareholders’ funds on the Business Times Top 100 Companies Survey
  • Ranked 41st amongst all listed companies on the JSE for sustainable growth over 10 years on the Business Times top 100 Companies Survey

2008
  • Ranked 26th on Business Times Top 100 Companies Survey for compound growth in earnings
  • Ranked 12th on Business Times Top 100 Companies Survey for return on shareholders’ funds
  • DSEF Innovation and Education Award
  • DSA Education Award

2007
  • Ranked 11th amongst all listed companies on the JSE for sustainable growth over 10 years on the Sunday Times Top 100 Companies Survey

Broad Based Black Economic Empowerment (BBBEE)

Clientèle has been independently rated as a Level 4 contributor in accordance with all applicable variables of the General Codes of Good Practice relating to BBBEE.

Compliance

Clientèle and IFA both pride themselves on having a strong compliance culture and operate within the guidelines set by the FSB (Financial Services Board). Clientèle has an active Compliance Department and is a member of the Association for Savings and Investments SA (ASISA) (previously the Life Offices Association (LOA)) and the Direct Selling Association (DSA).


Compliance Officer
Miss Yurika Pistorius is the appointed Compliance Officer for the Clientèle Life Assurance Company Limited and Clientèle General Insurance Limited. 
 
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CAR (Global Credit Rating Report)

Clientèle Life’s ratio of free assets to the Capital Adequacy Requirement at 30 June 2012 was 2.95 times, which is one of the highest in the industry and well in excess of the statutory requirement of 1 times free assets.

Ethics

Clientèle strives to ensure that it conducts its business with the utmost integrity towards all stakeholders. Through contractual obligations, operating instructions and staff education, Clientèle strives to ensure, in particular, that the company’s products are presented in an accurate and transparent manner in order to give the best possible protection to its policyholders.