About Us

Clientèle is one of South Africa’s leading diversified financial services groups, with more than 35 years of experience helping South Africans protect what matters most and build lasting financial wellbeing. Through its trusted brands, Clientèle, 1Life and Emerald Life, the Group provides innovative insurance, investment, rewards and value-added solutions that empower millions of South Africans to achieve greater financial security and access everyday value.

For more than three decades, Clientèle has been at the forefront of the financial services industry, earning the trust of clients through innovative products, exceptional service and a commitment to putting people first. Guided by a culture of innovation, integrity and client-centricity, the Group continues to make quality financial protection simple, accessible and affordable through a range of direct, digital and adviser-led distribution channels. Beyond insurance and investment products, Clientèle also offers leading loyalty and rewards programmes, as well as standalone value-added solutions designed to enhance the everyday lives of South Africans.

Clientèle is focused on creating sustainable long-term value for its clients, employees, business partners, shareholders and the communities it serves. As the licensed controlling company of the Clientèle Insurance Group, Clientèle Limited provides strategic oversight and governance to support the Group’s continued growth, innovation and client-centric approach.

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 need 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: funeral, life, dread disease , hospital insurance, legal plus investment products and a Rewards programme. 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

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:

2022

  • Orange Index – Top 3 and 2nd in the Long Term Insurance Category
  • City press – Gold award for the Funeral category and a Silver award in the Life category

2020

  • One of the first insurers in South Africa to waive waiting periods on valid COVID-19 related funeral claims.

2018

  • Launched the Clientėle App;
  • Launched Clientėle Rewards.

2016

  • One of the first life insurers in SA to pay back all premiums together with the cover amount.

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.

B-BBEE Compliance report 2020
B-BBEE Compliance report 2021
B-BBEE Compliance report 2022
B-BBEE Compliance report 2023
B-BBEE Compliance report 2024
B-BBEE Compliance report 2025

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.