Outsurance recently had a bad day in court over non-disclosure (Jerrier v OUTsurance http://goo.gl/pmxo57). Is there a fine line in material non-disclosure or is it pretty clear cut?

Yes (61.9%)

No (38.1%)

97% of IFAs feel the FSB should do more to monitor unregulated scheme. The new view of “if it looks like a financial services product and smells like a financial services product, it will be regulated as a financial services product” will address this. Bu

Yes (84.21%)

No (15.79%)

Were the winners of the #FIAAwards2015 what you expected?

Yes (50%)

No (50%)

Sedick Isaacs pointed out that fraud in the motor sector is costing SA between R4 billion and R5 billion a year. Have you seen rampant levels of fraud in the motor industry?

Yes (27.55%)

No (72.45%)

At the ASISA Conference, Jan Mahlangu (Retirement Funds Coordinator of COSATU) asked the FSB to reduce the costs of running a retirement fund. This will reduce the burden on the public. Do you feel that the cost of running retirement funds is unnecessaril

Yes, without a doubt (53.57%)

No, this is not a problem in the industry (0%)

Maybe, it is hard to definitively say without knowing all of the factors at play (46.43%)

We recently did an article on the importance of disability cover. Do you think that the disability insurance gap in South Africa is overstated?

Yes (35%)

No (65%)

Corporate governance reform has taken on new urgency around the world. Do you feel it is more onerous in South Africa?

Yes, the FSB is complicating the issue with its regulatory reform (43.33%)

No, the rest of the world has it just as bad as us (8.33%)

Corporate governance reform is something we all need to live with, so lets just on with it (48.33%)

Which of the six candidate do you think will be crowned the winner of The Insurance Apprentice 2015?

Aaron Mrabalala - Hollard (0.99%)

Azhar Said - Mutual & Federal (1.08%)

Matthew George - First Equity (19.89%)

Mopedi Melato - SHA (6.75%)

Roxanne Moodley - AIG (70.48%)

Walter Ngobene - Innovation Group (0.81%)

Do you think government was being fair when it raised Personal Income Tax Levels?

No, the effect will have a significant impact on my pocket. (70.49%)

Yes, it was the only fair way for government to increase its revenue collection to decrease fiscal debt (2.46%)

Government needs to broaden their tax base if they want to kick start economic growth (27.05%)

Do you think government would be justified to increase VAT rates?

No - VAT rates should stay the same (71.43%)

Yes - But it will not increase by more than 1% (28.57%)