Guardrisk is the largest specialist cell captive insurance group of its kind and the leading alternative risk transfer provider in South Africa, comprising a short-term insurer, life insurer and an underwriting manager. Guardrisk pioneered the cell captive concept, introducing cell captives to the South African short-term insurance industry in 1993 and extending the structure to the life insurance industry in 1999. Guardrisk provides structured insurance products, traditional cell captive facilities and access to a broad and diversified panel of related services and professional reinsurance markets through its businesses in South Africa (headquarters), Mauritius and Gibraltar. The Gibraltar operation consists of Euroguard, a leading Protected Cell Company providing alternative risk financing facilities in first party only cell captive structures. Guardrisk Allied Products and Services offers niche and general commercial insurance products across a variety of insurance classes, along with other related value add products that provide facilities like car hire, monthly premium instalment payment facilities and cash flow and factoring solutions. Multiply’s wellness and rewards programme is the primary engagement platform that MMI uses to connect with clients to encourage both financial and physical wellness. Multiply rewards members for doing the everyday things that ensure a healthy and happy life. Through Multiply, MMI clients gain access to physical and financial fitness partners and tools at discounted rates, making it easier to follow a physically and financially healthy lifestyle. MMI clients earn Multiply points for using these partners and tools to look after their wellbeing and enjoy great discounts on a wide range of products and services. Earning more points improves clients’ Multiply status, which provides access to even greater discounts. 20