c The relationship which exists between Charter Life Insurance and the many operational divisions within Standard Bank is a major advantage for the business because it gives Charter Life Insurance Company Limited direct access to business from the lower income and middle income emerging markets. Charter Life’s exceptional achievements within the life insurance product range is also attributed to the strategic partnership between Standard Bank and Bancassurance. This has helped in strengthening the motivation and product knowledge of the existing broker consultant complement, attracting new business and preserving the existing client base.