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Africa and her Insurance Policy

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Africa and her Insurance Policy 1

Insurance facilitates investment by reducing the amount of capital that businesses and individuals need to keep at hand to protect themselves from uncertain events. Despite its importance for economic development, the majority of African countries lack access to insurance products.



Access to insurance only starts to increase quickly in the upper middle income brackets, but with most Africans still just struggling to meet their basic food and other day-to-day needs, insurance is still a long way off. Apart from low income levels, other reasons for low insurance penetration in Africa are:

  • Low awareness and understanding of insurance across various population segments;
  • People do not trust financial service providers;
  • Given the low income levels and how challenging the business environments are, there are not enough incentives for multinational companies to enter African markets and develop the sector;
  • There is a lack of reliable information, making it very difficult to assess people’s risk;
  • The legal and judicial systems are poor;
  • There is a lack of human capital and expertise;
  • Shallow financial markets make it difficult to raise enough money to capitalize insurance/re-insurance companies; and
  • Communities often make use of informal forms of insurance rather than using the services of formal insurers.

Albeit, this is gradually changing. As we show in this report, the growth in the volume of insurance premiums in Africa has been among the highest in the world over the past few years. An increasing number of foreign insurance companies are also entering Africa’s underserved insurance markets.

It is especially noticeable that African companies are among the most active investors across the continent. In this report, we will explore which countries’ companies are the most active in other African countries.

According to Swiss Re, the total value of Africa’s insurance premiums was just shy of US$70bn in 2013, down 2% from the US$71.35bn in 2012. This means that Africa’s share in the global market was 1.5%. The poor performance of Africa on a global stage is particularly noticeable if South Africa is excluded.

South Africa accounted for nearly 74% (US$51.6bn) of all African insurance premiums in 2013, with the other 53 countries contributing only US$18.3bn, which is only 0.4% of the global insurance market. South Africa is particularly dominant in terms of life insurance, accounting for 88.6% of the continent’s life insurance premiums in 2013.

South Africa has a sophisticated and well-developed life insurance industry; however, the rest of the continent remains a long way behind (see below for further discussion).

Life insurance dominated the global insurance market, accounting for 55.3% of all insurance premiums. In South Africa, life insurance is even more dominant, accounting for 81% of all insurance premiums.

Outside of South Africa, however, life insurance is a small player on the continent, accounting for only 29.5% of total insurance premiums. Life insurance premiums in the rest of Africa totalled a mere US$5.4bn in 2013 (0.2% of the global market).

Despite the fact that the value of insurance premiums in South Africa grew by only 2% p.a. in 2010-13, the country was still the main contributor to Africa’s insurance sector growth.

Due to its large share in the African market, South Africa still contributed 1.54 percentage points to Africa’s total insurance sector growth over this period. Astonishingly, the increase in South Africa’s insurance premiums over this three-year period was roughly equivalent to the entire size of Africa’s second-biggest insurance market, Morocco.

Specifically, South Africa’s insurance market increased by US$3bn over the 2010-13 period. As shown in the table, this is roughly the size of the Moroccan market, and much higher than countries like Egypt and Nigeria, both of which have much larger populations than South Africa.

Apart from South Africa, the other main contributors to African insurance growth were Morocco, Kenya, and Algeria, while Nigeria and Angola also contributed notably. Although Mauritius had one of the fastest-growing insurance sectors, the fact that it is a comparatively small market meant that it contributed slightly less than 0.1 percentage point to Africa’s total insurance sector growth.



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How Dads can become Debt free

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How Dads can become Debt free

How Dads can become Debt free in 2020

Dads out of debt is a trading style of Carrington Dean Group limited. Authorised and regulated by the Financial Conduct Authority. 

Here, Marc Pool buttresses the point on how dad’s can write off over 90% of their debts.



When you became a dad, what was the first thing you thought of?

Chances are it probably wasn’t the price tag attached to your little bundle of joy. However, thousands of dads across the UK are struggling and turning to government legislated debt help to write off up to 90% of what they owe.

Managing modern family life is a tough balancing act and is often easier said than done.

From covering the cost of day-to-day life to keeping the car running and forking out for the latest technology and fashion fads for the kids, covering the cost of life is a tough balancing act.

In fact, industry figures show that parents spend £1,242.97 more each month than those without children.

Understandably, it’s easy to fall behind on bills when you’re struggling to balance the books.

However, this is a slippery slope – with every phone call, letter and knock at the door often seeming like you’re being chased for money you just don’t have.

You don’t need to live your life in fear – you could legally reduce your monthly payments and freeze interest and charges.

You can’t hide from your debt – it’s time to act

Debt doesn’t take a day off and neither do the people and bailiffs hired to chase for payment.

They don’t care that you have mouths to feed or that your family is your priority – they will do everything in their power to make sure they get what they’re owed.

What’s worse is every time you miss a call, don’t open a letter or pretend that you’re not in when someone knocks your door, you could be adding hundreds to the amount you owe.

Making every penny count isn’t always easy for dads like you and knowing where to turn for help isn’t always easy.

Often ashamed, many men find themselves taking on expensive payday loans and credit cards to cover the cost of essentials while others ignore priority bills such as council tax in the belief that the local authority will understand they’re simply trying to look after their family. It won’t.

The council isn’t your friend and will use enforcement measures to ensure it’s repaid what you owe.

No matter what you do, it almost always means that there’s even more to pay back next month – and that’s the last thing you need when you’re already struggling.

Ignoring debt doesn’t make it vanish, in fact, it does the opposite – it makes it grow! But government legislation could help take the pressure off and change your life for the better.Your family deserves the best of you, and you can give them that.

How Dads can become Debt free 2

Are you snapping at the kids?

Is your relationship with your partner almost at breaking point?

Do you sometimes think about putting your coat on and never going back home?

Living with debt can be stressful and can have a serious impact on your life but it doesn’t need to.

You deserve better than feeling sick to your stomach every time you use your bank card or your phone rings.

And your family deserves to have the man they know and love back in their lives, not the distressed shell you’ve become.

That’s why many dads throughout the country are choosing government legislated debt help to give them a stress-free way to deal with all types of debt; from credit cards to council tax, it’s there to give you peace of mind.

Enough is enough – get free advice to write off debt

Your life doesn’t need to be packed with worry.

An Individual Voluntary Arrangement (IVA) will reduce your monthly payments to an amount you can afford.

There’s a tried and tested way to reduce your monthly payments to amount you can afford and write off up to 90% of unsecured debt you owe. What’s more, you can freeze interest and charges and stop pressure from people you owe money too – it all starts with free advice.

An Individual Voluntary Arrangement (IVA) could be the option for you if you spend too much time:

• Worrying about the phone ringing

• Panicking if there’s a knock on the door

• Just scraping together enough money to get by

Then enough is enough. It’s time to take action and:

• Shrink your debt down to a size you can handle

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What is SEO

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What is SEO

What is SEO?

For those asking “what is seo” SEO stands for search engine optimization. Which is the art of ranking high on a search engine in the unpaid section, also known as the organic listings.



It’s no secret that Google loves updating its SEO algorithm. In fact, over the course of a year, they may make upwards of 500 changes! Seo optimization in wordpress and other websites can be incorporated with the following seo techniques.

SEO means optimizing your content so it shows up more often in search results (SERPS). With so many changes to navigate, it’s easy to miss something. And when you miss something with SEO, your content might as well be invisible.

SEO optimization tips

There are great SEO optimization for websites and tactics for building big traffic in 2020. These are brief, self explanatory and concise.

Promote your Content and Bounce Rate

One SEO optimization tip I rely on is to increase your social proof through reviews and testimonials. This can go a long way in getting more people to view your site.

Bounce rate – Your bounce rate is simply a measure of how many people view only one page on your site before immediately leaving again. The higher your bounce rate (number of visitors who leave your site instantly), the worse your page will rank on Google.

Content, loading times, usability, and attracting the right readers are all part of decreasing your bounce rate. The math is simple – the right readers will spend more time on a site that loads fast, looks good, and has great content.

Security

The security of your site is very important to viewers and those visiting your site. In most case, search engines don’t index websites that are not secure.

Its very important in website SEO optimization to Install an SSL certificate and move to HTTPS to inspire confidence in site visitors. Nobody wants to view a site or content that isn’t secure.

If you run a business, get your site set up on Google My Business to show its legitimacy.

Image SEO optimization and Site speed

Compress and optimize your images to increase your site speed is very vital for image SEO optimization. SEO optimization tools for tracking your site to find out where visitors are dropping.

Google Analytics is a wonderful SEO tool for tracking your site, likewise Autoptimize. It tells you which particular post draws more traffic to your site and other valuable information.

On-page SEO and Off-page SEO

On-page SEO concerns all of Google’s ranking factors that they determine by directly looking at the page you try to optimize, such as your headlines, content, and page structure.

Off-page SEO refers to all variables Google takes a look at, and they aren’t exclusively in your own hands. They depend on other sources, such as social networks, other blogs in your industry, and the personal history of the searcher.

They’re different, but you need to get both right in order to do well with SEO. When a visitor leaves your site after viewing only one page, Google considers that a bounce.

That’s why you need to do both on-page SEO and off-page SEO. Google determines the overall authority of your site by a mix of two kinds of authority that you can build:

Domain authority, which has to do with how widespread your domain name is. Page authority, which relates to how authoritative the content of a single page (for example a blog post) is.

SEO optimization tools

SEO tools are either web-based or desktop programs that help optimizing your website for search engines. There are various SEO tools for different SEO tasks like keyword research, technical optimization, traffic analysis, etc.

SEO tools could be classified under keyword research tools, On page SEO tools, Technical SEO tools, Analytics tools and rank checking tools.

Examples of keyword research tools are Ahrefs’ Keyword Generator, Google Trends helps with observing the latest trends around the world. Keyword Surfer,  AlsoAsked.com.

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Tips for SEO Optimization in 2020

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Tips for SEO Optimization in 2020, seo optimization tips

We would be checking out Tips for SEO Optimization in 2020.

Optimization of the search engine (SEO) is the method of designing the web content such that a search engine wants to see it as a top result while looking for a certain keyword.



SEO stands for search engine optimization. Which is the art of ranking high on a search engine in the unpaid section, also known as the organic listings.

There are several SEO optimization tips.  It’s no secret that Google loves updating its SEO algorithm. In fact, over the course of a year, they may make upwards of 500 changes! Seo optimization in wordpress and other websites can be incorporated with the following seo techniques.

So therefore you would want evolve with the changes made in Google’s algorithm. Tips on SEO optimization range from working on your content to meet the taste of your viewers, backlinks, on-page and off-page SEO etc.

What is SEO

Firstly, what is SEO? or rather what is search engine optimization? SEO means optimizing your content so it shows up more often in search results (SERPS). With so many changes to navigate, it’s easy to miss something. And when you miss something with SEO, your content might as well be invisible.

But if you get it right, you can reap the benefits of increased traffic, which leads to more conversions, improves lead generation, and boosts sales. SEO optimization for websites are indeed vast but very essential for high rankings in the SERPS.

There are several e-commerce search engine optimization tips, but the approaches all have one thing in common: understanding how your product works and who your ideal customer is. E-commerce search engine optimization is very vital for attracting customers and also converting to leads.

SEO ranking factors have changed a lot over the years. Search engine optimization for google that worked even 5 years ago won’t cut it today. For instance, last month, google changed their algorithm which affected a whole lot of website SEO optimization and traffics dropped globally.

There are great SEO optimization for websites and tactics for building big traffic in 2020. As you’ll see, if there’s one theme that unifies them all, it’s creating a better user experience. lets a take a look at very good tips on search engine optimization.

SEO optimization tips

User Experience: We’ve already heard from Google search engine optimization that RankBrain is their third most important ranking factor, and that trend is not only likely to continue but to become even more important in 2020.

RankBrain is a machine learning system that helps Google decide where pages should rank in search results.

RankBrain watches how users interact with search results and rank the results based on that. If users click on a result and immediately bounce from the site, the site will start to lose ranking.

But, if users click on a result and spend time on the site, the site will start to gain ranking (or stay at a higher ranking).



Keywords for SEO optimization also recommends optimizing around medium tail keywords to get the most bang for your buck when it comes to search engine optimization and RankBrain.

In addition to optimizing for medium tail keywords, RankBrain looks at: Dwell Time: how long a visitor stays on your site (over 3 minutes is a good dwell time). Click-Through Rate: percentage of searchers who click on your search result.

Maximize User Engagement:

SEO optimization company, Max DesMarais is an SEO & PPC Specialist for Vital, a Digital Marketing & PPC agency that specializes in PPC management services. His expert tip is to focus on user engagement.

From updating existing posts to creating new ones, pages should be built to maximize engagement.

Here are some great ways you can maximize user engagement on your posts:

Be easy to read. SEO optimization Content utilizes whitespace, headings, short paragraphs, and relevant images to make the page easier to absorb and increasing the user’s time on the page.

Include highly relevant links and offers on the page. Offering relevant internal links that will answer a reader’s question. This often can significantly decrease bounce rates, and get users further into your site.

Be easy to read. SEO optimization Content utilizes whitespace, headings, short paragraphs, and relevant images to make the page easier to absorb and increasing the user’s time on the page.

Include highly relevant links and offers on the page. Offering relevant internal links that will answer a reader’s question. This often can significantly decrease bounce rates, and get users further into your site.

Tips for SEO Optimization in 2020 3
Search engine optimization for websites

Use LSI keywords, and answer additional questions that users may think of after viewing the content. Simply offering only the content that a user searches for is no longer enough.

Pages need to supply additional information a user may be seeking. Providing additional information will help retain the user, and tell search engines that the page’s content is not only answering the search query but providing additional value that other pieces of content may not be.

Focus on Mobile-First Indexing:

This tip is useful for google SEO optimization. First, what does “mobile-first indexing” even mean? Quite simply, it just means that Google now considers the mobile version of your site to be the primary version of your site.

If your mobile site is currently using an “m.” URL, like “m.optinmonster.com,” SEO optimization for Google recommends switching over to a fully responsive site.

Link to other sites with high authority and relevant content to encourage relationships (and backlinks).

Overhaul Your “Almost” First Page Posts:

SEO optimization wordpress, looking for posts that almost rank high and rewriting them. You can find these posts in Google Analytics by going to Acquisition » Search Console » Queries and setting up an advanced filter to show the phrases where your average position (rank) is greater than 10.

Now give those articles an overhaul. Add details, examples, answers, statistics, images, contributor quotes, and anything else that makes it a better piece. This also works for wordpress SEO optimization.

If you go big on quality, you’re very likely to add length and keyphrase usage naturally. Make it a page that you’re so proud of, you want to print it and frame it on the wall.

Here are 3 ways to make this tactic even more effective:

Check all the rankings of the page, so you don’t hurt the relevance for an even better phrase

As you rewrite, pay attention to connected subtopics, which are visible on the search results page in the “people also ask” section and in the “related searches” at the bottom of the page.

Use featured snippets:

Here are some ways to keep your content optimized for featured snippets:

Be clear and concise, use headers for easy scanning, ensure cross-device usability, maintain social engagement, use strong external resources, create comprehensive, authoritative and evergreen Content

There are 2 great ways of content SEO optimization, to show search engines that you have in-depth, authoritative, evergreen content on your site:

Stick with long-form content. Longer content (at least 2,000 words) tends to outrank shorter content.

Use LSI keywords. These are keywords or phrases strongly related to your post’s topic.

The tips highlighted above also include seo optimization for wordpress.

Local Search Engine Optimization

In website search engine optimization, local Search Engine Optimization, often alluded to as local search marketing, is an amazingly effective form of marketing your local business online, as it helps companies promote their products and services to local customers at the exact time they look for them online.

Local search engine optimization brings you closer to your immediate customers. Location is a quantity. If you are marketing a product for the people of Denver, your local search engine optimization is geared towards Denver.

On-page SEO and Off-page SEO

On-page search engine optimization concerns all of Google’s ranking factors that they determine by directly looking at the page you try to optimize, such as your headlines, meta description, content, and page structure.

There are certain SEO optimization tools that help to enhance on-page search engine optimization like Yoast search engine optimization tool and RankMath. I use the RankMath tool and its very efficient for on-page search engine optimization.

Off-page SEO refers to all variables Google takes a look at, and they aren’t exclusively in your own hands. They depend on other sources, such as backlinks, social networks, other blogs in your industry, and the personal history of the searcher.

For search engine optimization for a website, you need to get both right in order to do well with SEO. When a visitor leaves your site after viewing only one page, Google considers that a bounce. That’s why you need to do both on-page SEO and off-page SEO.

Search Engine Optimization Companies

There are several search engine optimization marketing services that assist with SEO. These companies help promote your product, they run all local seo and ensure that sales are made. These search engine optimization specialists include:

Search Engine Optimization Tool

  • Rank Math
  • Yoast
  • Google PageSpeed Insights
  • Moz Local Listing Score. …
  • Keywordtool.io. …
  • Google Analytics. …
  • Google Search Console + Bing Webmaster Tools. …
  • Ahrefs’ Backlink Checker. …
  • Moz Link Explorer. …
  • Google Keyword Planner
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