We Are The Best!

Your Underwriting Manager of Choice.
As an Underwriting Manager, TBFS exists to partner with emerging, low income markets, to provide
access to affordable insurance solutions they deserve.


  • Providing cost effective insurance products and related value-added benefits through approved intermediaries to the lower income markets.
  • Offering efficient and cost effective insurance policy administration to the insurance industry.
  • Continuously improving existing products, services and developing new products that meet the needs of identified clients.
  • Offering recognizable services and benefits to clients.
  • Providing improved shareholder returns and customer value.

Who We Service

We are one of the largest independent administrators, often chosen for providing white-labeled and tailor-made group funeral, administration and benefit solutions.


Providing expert risk and insurance solutions since 1997.

Our passion, years of experience and intimate understanding of our clients and the various requirements specific to group funeral schemes, sets us apart from competitors.

TBFS Value offering

We care about how we get results. We are committed to a future, based on the fundamentals of our Code of Conduct. We keep our promises.

Risk Management & Outsource Services

  • Significant experience
    • Risk pricing
    • Legal wording
    • Policy administration
    • Complex product experience
    • Quick to react to client needs
  • Multiple underwriters
  • Long established relationships

Policy Administration

  • White label admin platform scale
    • Experienced team
    • Complex configuration capabilities
    • Scalable insource/outsource IT model
    • Quick turnaround times

Product Development

  • Specialist developer of bespoke products, services & solutions to the low income market
    • Funeral
    • Health
    • Short term
    • Loyalty programmes
    • Rider benefits

Financial Services Structuring

  • Joint ventures
  • Cell captives
  • UMA's

Value Added Benefit Offerings

A unique value added suite of branded services & benefits:

  • • Vehicle Access Benefit
  • • Local Butchery Benefit
  • • Airtime Benefit
  • • Body Repatriation

  • • Double Accidental Benefits
  • • Loyalty Benefits and other unique add-ons