Structured Insurance  

We are an industry innovator in specialist insurance structuring offering partners and clients individually designed financial solutions. Our team is uniquely positioned to assist clients in the rapidly changing insurance regulatory environment.

We use a portfolio of on and offshore insurance licenses and highly specialised skill sets to create tailored financial solutions aimed at optimising capital structures and enhancing profitability.  Our team of specialists work closely together to combine insurance, underwriting and financial knowledge to harness synergies and drive five business pillars:

  • Structuring
  • Strategic investments
  • Underwriting solutions
  • Risk finance
  • Supply chain finance

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The benefits of insuring with us

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need four more reasons to choose Insurance good and proper.

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Business pillars

Contact us

Sandton head office

A: 7th Floor, Alice Lane Building 3, Corner Alice Lane and 5th Street, Sandton, 2196
T+27 (0)11 685 7600
P: PO Box 652659, Benmore 2010, South Africa
E: SSI.Structured@santam.co.za


Short Term Insurance: SSI.Complaints@santam.co.za
Long Term Insurance: SSL.Complaints@santam.co.za
For a copy of our Complaints management framework: SSI.MarketConduct@santam.co.za

Santam Structured Insurance Limited is a Member of the Ombudsman for Short Term Insurance. Contact Number 0860 726 890 / E-mail  info@osti.co.za
Santam Structured Life Limited is a Member of the Ombudsman for Long Term Insurance. Contact Number 0860 103 236 / E-mail  info@ombud.co.za


Short Term Insurance: SSI.Compliance@santam.co.za
Long Term Insurance: SSL.Compliance@santam.co.za
FICA: SSI.Fica@santam.co.za

Member of the South African Insurance Association (“SAIA”)
Conflict of interest policy
Promotion of Access to Information Act manual (PROATIA)

Registration and license numbers

South Africa

  • Santam Structured Insurance Limited, a licensed non-life insurer and authorised financial services provider [1027]
  • Santam Structured Life Limited, a licensed life insurer and authorised financial services provider [1026]
  • Santam SI Investments Proprietary Limited (FSP 1028) 
The directors serving on the companies above are:

Directors: L Lambrechts (Chairperson), ME Dilotsotlhe (Non-Executive), HD Nel (Non-Executive), DN Edwards (Non-Executive), MP Fandeso (Non-Executive), G Arroyo (Chief Executive Officer), R Le Roux (Executive), PJ Meyer (Alternate to R Le Roux), Rand Corporate Consultants (Pty) Limited for South African Licences (Company secretary)


  • Santam Structured Reinsurance Limited PCC (License OC00006823)
  • Santam Structured Insurance Limited PCC (License C116015506)
The directors serving on the companies above are:

Directors: G Arroyo (Chairperson), Ms R Le Roux (Non-Executive), D Adolphe (Executive), A Fox (Non-Executive), W de Villiers du Toit (Non-Executive), T Gamedze (Non-Executive), P Jhugroo (Non-Executive), K Mamet (Non-Executive)

  • Santam SI Investments Mauritius Limited (Company Registration Number C40575)
Directors: G Arroyo (Chairperson), Ms R Le Roux (Non-Executive), D Aldolphe (Executive), W de Villiers du Toit (Non-Executive), T Gamedze (Non-Executive)