On a macro level, there are all kinds of headwinds facing whatever business you are operating in. whether its weak global growth, the pressures we face from Eskom because of load shedding, the weak rand, as well as social-political issues. There are many challenges facing us today and insurers are at the cusp of all of that.

To give us this kind of macro picture is Dr Adrian Saville. You can watch the full video on cover.co.za