We help our clients to understand and solve complex financial problems.
We do this by providing a range of consulting services or by finding the right products for our clients.
GRAP25/AASB119/IAS19 Employee Benefits Liability Risk Management
ZAQ helps clients to reduce risks related to inflation and movements in interest rates
GRAP25/AASB119/IAS19 Actuarial Valuations of Employee Benefits
ZAQ provides world-class GRAP25/AASB119/IAS19 valuations – helpings clients to plan adequately for future employee benefit obligations, saving time & resources
IFRS2/AASB2 Actuarial Valuations of Share-based Payments
We frequently have the privilege of helping our clients reduce income statement volatility – especially when non-actuarial calculation techniques were utilized in past financial periods
Damages Valuations for Legal Purposes
ZAQ helps clients to ensure that accurate damages claims can be submitted
Actuarial Cash-flow Modelling
ZAQ helps clients with regards to future cash-flow modelling
IT ERM Support and Implementation Solutions
ZAQ endorses Symbiant Risk Suite for its clients’ IT ERM related needs
We focuse on providing value for money advisory solutions to our clients. Highlighting hidden costs and hazards that would cause deterioration in the long-term value of clients’ wealth.
We offer a complete corporate solution to help you choose & implement the best value for money retirement and risk benefits tailored for you and your employees. We will assess your business needs based on specific demographics and provide a customised solutions. Be believe that the less you pay on fees, the more of your hard earned savings can go towards retirement.
By having a holistic approach to the wealth management of our clients, we can establish a score of how ‘financially well’ our clients are. We then focus on all aspects of our clients’ financial position; Debt management, savings, accurate investment management, wills and needed life insurance that all effect your estate. ZAQ has developed a tool that will assist employers en employees in determining the 'health' of each member's financial position.
Your health is also important and it is difficult to have and enjoy a quality of life if you are not healthy. ZAQ and our providers helps you to strategise and even improve your health, from offering free preventative screenings to savings on contributions and a strong claims paying ability. We go ever further by setting up a shortfall benefit (GAP Cover), to cover the gap that exists between what your medical aid pays and fees charged on your private healthcare.
We help our clients understand potential risks they may face. By doing so, we assist in finding the best insurance fit for what you are willing to pay. Whatever the need, we will provide a sensible solution to protect your interests.
ZAQ employs a diverse team of financial services professionals – our team includes actuaries, engineers, risk managers, accountants, financial planners and financial analysts. We have an Actuarial-based enterprise risk management approach towards implementing business insurance solutions for all types of businesses.
Because we have the actuarial pricing expertise we know what the typical rating factors (or risk factors) are that insurers use to price insurance products. We would with the assistance of management determine the key risk factors a business is exposed to. We would then decide on a risk management approach to deal with these risk factors appropriately to optimise insurance cover leading to better value for money and better risk management for our clients. We also know that insurance is not always the best way to manage risk.
Most insurance brokers look to standard policies as provided by insurers to cover their clients – ZAQ takes a different approach. We motivate the specific client requirements to insurers and secure policies that are both appropriate and relevant to the specific business. We understand that running a successful small, medium or large business takes years of hard work and the right partnerships. Our business insurance expertise comes from understanding every aspect of risk your business may face and ensuring that you are covered for it.
Why Actuaries are the perfect choice to perform Risk Management and Insurance Broking Services?
Actuaries have a detailed understanding of economic, financial, demographic and insurance risks and advanced proficiency in:
Actuaries are trained in evaluating the current financial implications of future contingent events. It is the actuary’s job to assist in the scientific analysis and quantification of risks. Expertise in understanding the underlying business dynamics, backed by training in economics, finance, demographics, statistics, and risk management, helps to ensure that actuaries build models which make best use of the available information. In general, actuaries excel in problem solving. Actuaries are equipped to help their clients make informed choices.
Our Actuaries are involved in evaluating and managing a wide range of risks affecting the business of our clients. We use statistical techniques and build models to assess the likelihood and severity of future events and the potential variability of financial outcomes. We also design ways to reduce the financial impact of undesirable events that could occur, which contributes to the safety and security of our clients.
Our main services include consulting and actuarial services, employee benefits advisory and short term insurance advisory and broking.
Tel (Capetown): +27 21 200 1456
Tel (Capetown): +27 83 310 3983
Tel (Johannesburg): +27 10 590 3315
Tel (Namibia): +264 811 487 333
Tel (Australia): +61 434 1494 28