Company Profile Skills Development Programmes

 
Company Profile Skills Development Programmes
Company Profile
Skills Development
Programmes

                   INTELLIGO Solutions (PTY) LTD
                            Reg. No. 2010/017282/07
      Syringa Office Block, The Avenues Office Park,
              45 Homestead Road, Rivonia, Sandton
                                   Tel: 011-2346251
            Enquiries: sales@intelligosolutions.com
                          info@intelligosolutions.com
                           www.intelligosolutions.com
Company Profile Skills Development Programmes
CONTENTS                                                                           Page No.

Introduction                                                                          3
Vision and Mission                                                                    3
Benefits of eLearning                                                                 4
F&I CAMPUS                                                                           5-13
Motor Retail Finance and Insurance PLUS Programme (FETC: Retail Insurance             6
Qualification SAQA ID 49835/66609 Level 4) – F&I
NCA (National Credit Act) Workshop – NCA Agents Card                                 11
FAIS Act Fit & Proper: RE5 Regulatory Exam Preparation Workshop                      12
F&I “TUNE UP” Workshop                                                               13
FAIS ACT FIT & PROPER QUALIFICATIONS                                                14-31
FETC: Short Term Insurance 49929/66610 Level 4                                       14
FETC: Long Term 49649 Level 4                                                        19
FETC: Wealth Management 66613 Level 4                                                23
NC: Wealth Management 66611 Level 5                                                  28
LEGISLATION                                                                         32-34
FICA Overview (Financial Intelligence Centre Act)                                    33
Consumer Protection Act (CPA)                                                        34
NQF LEVEL 4 QUALIFICATIONS                                                          35-58
FETC: Business Administration SAQA ID 61595 NQF Level 4                              36
FETC: Contact Centre Operation SAQA ID 93996 LP71489 NQF Level 4                     41
FETC: Debt Recovery SAQA ID 49021 NQF Level 4                                        45
FETC: Marketing SAQA ID 67464 NQF Level 4                                            49
FETC: Project Management SAQA ID 50080 NQF Level 4                                   52
FETC: Automotive Sales and Support Services Certificate 64289                        55
SOFT SKILLS                                                                         59-69
Assertiveness and confidence                                                         60
Conflict                                                                             60
Business Writing                                                                     61
Structured Communication                                                             61
Emotional intelligence for All                                                       62
Essential skills for Leadership                                                      63
Competency based recruitment                                                         64
Time and Stress Management                                                           67
Professional Frontline Skills—Reception                                              68
Diversity and inclusion – creating a productive team and world (1 or 2 days)         69

Methods of learning                                                                 70-71
SETA Accreditation                                                                  72-79
BEE certificate                                                                      80

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Company Profile Skills Development Programmes
INTRODUCTION

Intelligo Solutions is an independent skills development provider specialising in legislated
training requirements in the Short Term and Long-Term Insurance Industries, Motor Retail
Finance, and qualifications for the Services and Debt Recovery Industries.
We also offer extended services to all industries for short courses relating to Soft Skills,
Education Training and Development Skills. The methods of learning offered are learnerships,
skills programmes, distance Pure or Blended eLearning and paper based.

E-LEARNING
We have developed this METHOD OF LEARNING for ease of learning as eLearning can occur
in or out of the classroom. It can be self-paced or may be instructor-led. It is suited to distance
learning and in conjunction with face-to-face teaching, which is termed blended learning.

INSETA and FASSET have approved the Intelligo online platform as a METHOD OF
LEARNING to complete the South African Qualifications Authority (SAQA) aligned
qualifications Intelligo has received scope for from these SETA’s.

The platform also provides learning opportunity for short courses and blended online learning
for certain SAQA qualifications. In terms of pure online METHOD OF LEARNING the student
will complete the formative and summative assessments online and blended online the student
will down load and print the assessments tools. The short courses provide pure online including
simulated tests.

ELEARNING PORTAL
We also offer End User License agreements to develop generic or customised platforms.

VISION
To procure a culture of service excellence aligned to the values of treating our employees,
colleagues, customers and learners ethically, fairly and honestly.
The INTELLIGO teamwork will stimulate our strengths and add value to our customers
learning experiences thereby empowering our learners to achieve successful results for both
the organisation and the individual and to promote skills development in Southern Africa,
through classroom facilitation, distance learning and e-learning.

MISSION
·     To meet our customer’s skills development needs aligned to the legislation that
governs the applicable industry in which INTELLIGO operates.
·     To be open, honest, accountable in our communication with our customers and
learners.
·     To create an environment that is interactive and transparent to constructive feedback.
·     To empower people through interactive learning and to encompass the diversity of
Southern Africa and adult learning principles

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Company Profile Skills Development Programmes
eLEARNING BENEFITS AT INTELLIGO SOLUTIONS
     Minimize work day productivity loss – reduce employee stress during working hours.
           Accessible 24/7 (Wi-Fi or data) plus off line ability. Authenticated login.
                              SETA approved method of learning
      “My tracker” tracks the number of time spent per chapter including notional hours.

                Inseta and Fasset approval to run eLearning learnerships
                   The logbook will still be completed in hard copy format.
Unemployed learners – blended method including facilitated classroom sessions and the learner
can complete the Formative and Summative assessments online. Employed learners – blended
 method including facilitated classroom sessions and the learner can complete the Formative
                              and Summative assessments online.

                                                OR
  Employed learners – Distance method of learning, the learner will attend a 1 day orientation
          session and complete the Formative and Summative assessments online.
Unfunded employed learners – who have achieved the minimum 60 FAIS fit and proper credits.
Distance method of learning, the learner will attend a 1day orientation session and complete the
                       Formative and Summative assessments online.

The learner registration form is aligned to the National Learner Database format and the learner
                                 is responsible to keep this updated.
Off line ability – the learner can export the learning material content for preparation when there
     is no access to internet. This will allow the learner to prepare to complete the formative
           assessment online and prepare for the summative closed book assessment.

                   Summative Assessment are overseen by an invigilator.
              Assessment, Moderation and verification are all recorded online.
   The SETA verifier will verify the selected learner records online. Submission of formative
 assessments during the semester will be assessed within 48 working hours of notice. Learner
           must notify Intelligo by email on completion of formative assessment.

                  The eLearning platform is accessible on 15 search engines.
             The eLearning platform is accessible on all smart phones and tablets.
  3 month semesters per annum commencing on 1 January each year. Pay as you enrol per
 semester –Can enrol during the semester. Live chat assistance during working days/hours –
   email records for learning and Intelligo Email, telephone, TeamViewer assistance during
working hours. Skype coaching. Multi-device access. here are no bandwidth requirements but it
     is advisable for the learner to have a steady data connection in order to complete the
                                          assessments.

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Company Profile Skills Development Programmes
F&I CAMPUS Finance and Insurance Business Managers Campus

F & I Skills Development Courses

•     Motor Retail Finance and Insurance PLUS Programme
o     Introduction to F&I workshop
o     FETC: Retail Insurance Qualification SAQA ID 66609 at Level 4 minimum of 140
credits
•     National Credit Act, 34 of 2005 (IOB Agents card)
•     FAIS Act Fit & Proper FSB Regulatory Exam Level 1 RE1 and RE5
•     F&I “Tune up” Workshop

         FAIS Act Sub Categories of Insurance

        •1.1 Long Term Insurance A
        •1.2 Short Term Personal Lines
        •1.3 Long Term Insurance B1
        •1.6 Short Term Commercial Lines
        •1.19 Friendly Society Benefits
        •1.20 Long Term Insurance B2
        •KI - Key Individual

         FAIS Regulatory Exam

        •Regulatory Level 1
        •RE1 Key Individuals
        •RE5 Repesetatives

         National Credit Act

        •Institute of Bankers Agents Exam

Methods of Learning

•      Learnership – Employed and Unemployed- Classroom
•      Learnership – Employed Online
•      Skills Programmes – Classroom,
•      Skills Programmes - Distance Online, Paper based
•      Individual Unit Standards – Distance Online, Paper based
•      Introduction to F&I – Classroom
•      NCA - Workshops, Online, Paper based
•      Regulatory Exam preparation – Classroom, Online, Paper based
•      Regulatory Exam preparation – Distance Online, Paper based
•      Regulatory Exam preparation – One on one coaching
•      F&I “Tune up” - Workshop

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Company Profile Skills Development Programmes
MOTOR FINANCE AND RETAIL INSURANCE PLUS (F&I)

The INTELLIGO Solutions programme incorporates the FAIS Fit and proper requirements of
the FETC: Retail Insurance Qualification SAQA ID 66609 at Level 4 minimum of 140
credits and the Unit Standard 259882 Level (pending) in this programme will award you
with 12 credits towards the FETC: Automotive Sales and Support Services Certificate
64289 Level 4.

The competency achievement of 15 credits from the FETC: Retail Insurance Qualification
SAQA ID 49835/66609 at Level 4 will provide the opportunity for you to apply for Recognised
Prior Learning for these 15 credits against the FETC: Automotive Sales and Support Services
Certificate 64289 Level 4.

What are the minimum entry level learning requirements to enrol?
It is assumed that learners are competent in Communication and Mathematical Literacy at NQF
Level 3. (Grade 11/ Std. 9)

Access to the qualification:
There is open access to this Qualification bearing in mind the Learning Assumed to be in
Place, detailed above.

Introduction to F&I workshop
Unit Standard 259882 Level 5 Credits 12

WHAT IS F & I?
F&I is a common term in the automotive industry and is short for Finance and Insurance.
Most dealerships throughout the country have F&I offices to handle the calculation and
paperwork involved with the sale of a vehicle. In addition, the F&I office provides consumers
an opportunity to purchase ancillary products, such as e.g. vehicle service contracts or a
maintenance program sold in conjunction with the sale of a vehicle.

The primary function of the F & I is to maximise the overall profitability of the sales through
promotion of value added products and services.

A professional F & I must make sure that the entire dealership understands where F&I
function fits in the bigger picture for total profitability, and develop a set of optimum
circumstances in which F& I productivity can flourish

What are the minimum entry level learning requirements to enrol?
It is assumed that learners are competent in Communication and Mathematical Literacy at NQF
Level 3. (Grade 11/ Std. 9)

Purpose of the unit standard

The learner is capable of explaining, advising and demonstrating the available financial
options and their importance; applying for finance through the correct institutions; settling
outstanding amounts owed on vehicles on behalf of the customer; understand and apply the
relevant Finance orientated tasks and be aware of the insurance legislation impacting on the
sale and on the selling of additional services and products.

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Company Profile Skills Development Programmes
This unit standard makes provision for the automotive retail industry with special reference to
the fundamentals of vehicle finance in the following categories; Light commercial vehicles;
passenger vehicles; recreational vehicles; Motor cycles; Tri-cycles; Quad cycles; Boats, light
and heavy commercial vehicles, agricultural vehicles and Off Road (ATR) vehicles.

On achievement of this unit standard, the learner will be able to:

•     Advise customers on vehicle Finance options.
•     Complete an application for financing a vehicle.
•     Settle an outstanding amount of money owed to a bank, on behalf of a customer.
•     Adhere to relevant finance legislation.
•     Demonstrate an understanding of "add-on sales".

FETC: Retail Insurance Qualification SAQA ID 66609 at Level 4 minimum of
140 credits

How will this qualification benefit your career?

The purpose of the Qualification is to build knowledge and skill required for registration with
the financial service industry including Motor Retail. It is intended to empower learners to
acquire knowledge, skills, attitudes and values required to operate confidently as individuals
in the South African community and to respond to the challenges of the economic
environment and changing world of work as a result of regulation in Financial Services
industry. It should add value to the qualifying learner in terms of enrichment of the person,
status and recognition.

The Qualification covers Long-Term and Short-Term insurance related learning. It introduces
a fundamental understanding of the key terms, rules, concepts and principles of insurance
that will enable learners to be informed workers in the Retail Insurance industry. It provides a
balanced learning experience that allows flexible access to life-long learning, higher
education and to productive employment. It provides an opportunity for learners to learn and
apply academic skills in relation to the workplace and will allow for multi-skilling. The focus is
on basic information gathering, analysis, evaluation, presentation and the ability to apply
knowledge of the sub-field to solve common problems within a given familiar context. The
knowledge and skills learnt towards the Qualification should make learners who sell
insurance policies in the Retail Sector more informed, efficient and cost-effective workers
who meet the Fit and Proper Qualification requirements. This should result, in more effective
and efficient service to the consumer and should make the industry more competitive and
compliant in the global market.
Qualifying learners are capable of:

•     Carrying out basic research, information gathering and analysis.
•     Interpreting current affairs and their influence on insurance.
•     Managing personal finances and risk in a work environment.
•     Operating a computer for business purposes.
•     Understanding the nature and scope of Short Term insurance.
•     Understanding the nature and scope of Long-Term insurance.
•     Applying knowledge of legislation, ethics and compliance in a Retail Insurance
environment.
•     Applying skills of customer care to build a professional relationship with a client.

The FETC: Retail Insurance is designed to meet the needs of learners who earn commission
from the sale of insurance or financial service products, but do not necessarily work in the
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Company Profile Skills Development Programmes
insurance sector. Learners may be employed in a variety of positions in retail outlets across a
number of different industries. The Financial Advisory and Intermediary Services Act (FAIS)
(Act 37 of 2002) imposes licensing requirements in terms of the Fit and Proper determination
of the Financial Services Board (FSB). Learners who offer combinations of Long-Term and
Short-Term insurance as subsidiary products or services are construed to be giving financial
advice. They are therefore required to be licensed with the Financial Services Board.

The FETC: Retail Insurance is a generic Qualification that combines aspects of Long-Term
and Short-Term insurance for niche markets. It allows the individual to work towards a
nationally recognised Financial Services Qualification that combines features of Long and
Short-Term insurance. It is flexible enough to accommodate both learners in formal education
and learners who already arrange Insurance within a selected industry. The intention is to
promote the development of knowledge and skills that is required in Retail Insurance for
licensing purposes.

Learners at this level do work that requires fundamental knowledge of appropriate legislation
and the most important areas of the insurance within a business context. They require a
range of skills and the ability to apply essential methods and procedures within the limits of
their authority. The work roles are in retail outlets and include, but are not limited to:

•    Travel agents.
•    Telemarketing.
•    Finance and Insurance Managers in motor dealers.
•    Salesman who insure packaged goods.
•    Agents who insure household goods in transit.
•    Sales people in furniture and electrical appliances.
•    Credit card insurance.
•    Employees in retail outlets that run accounts, in-store cards or debtor’s books and who
     sell debt protection insurance.
•    Estate Agents who offer credit life cover and life cover for owners of bonds and rentals.
•    Aviation management agents and people who recommend insurance or give advice.
•    Managing Agents who advise on insurance for Sectional Title Schemes.

The FETC: Retail Insurance should produce knowledgeable, multi-skilled workers who are
FAIS compliant and are able to contribute to improved productivity and efficiency within the
Retail Insurance sub-sector. It should provide the means for learners to receive recognition of
prior learning, to upgrade their skills and achieve a nationally recognised Qualification. It
should also assist learners who move into positions where they give financial advice but are
not necessarily employed by Financial Services institutions.

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Company Profile Skills Development Programmes
Programme outline

              ID       UNIT STANDARD TITLE                                               CREDITS

Elective      259882   Apply the fundamentals of vehicle finance                            12
Core          12164    Demonstrate knowledge and insight of the Financial                    2
                       Advisory and Intermediary Services Act (FAIS) (Act 37
                       of 2002)
Core          117129   Apply the regulations for disclosure that are required as             2
                       part of the financial sales process
Core          13940    Demonstrate knowledge and application of ethical                      4
                       conduct in a business environment
Core          14506    Explain the Finance Intelligence Centre Act, Act 38 of                3
                       2001 and its implications for client relations
Core          120017   Demonstrate knowledge and understanding of aspects                    2
                       of the regulatory framework relating to consumer credit
                       agreements in Retail Insurance in South Africa
Core          114983   Describe life insurance                                               3
Core          117146   Indicate the scope of life insurance in South Africa                  4
Elective      119260   Explain credit life insurance                                         2
Core          119265   Manage risk in own work environment                                   2
Core          117133   Manage own work performance in relation to an                         2
                       organisation's performance management system
Core          117171   Manage time effectively to enhance productivity and                   2
                       enable a balanced lifestyle
Core          119676   Apply the skills of customer care in a specific work                  4
                       environment
Core          113903   Demonstrate skills and techniques required to build a                 3
                       relationship with a client in a financial services
                       environment
Core          114964   Describe short term insurance                                         3
Core          117134   Indicate the scope of short term insurance in South                   3
                       Africa
Core          120019   Analyse new developments reported in the media that                  10
                       could impact on Short Term insurance
Core          14991    Apply the law of contract to insurance                                2

Elective      120022   Apply knowledge and understanding of personal                         2
                       accident insurance
Elective      120005   Demonstrate knowledge and understanding of personal                   4
                       motor insurance
Elective      120014   Demonstrate knowledge and understanding of warranty                   3
                       as a class of insurance
Elective      117117   Describe standard insurance cover in terms of SASRIA                  4
Fundamental   117127   Describe and apply the basic principles of personal                   3
                       income tax
Fundamental   117156   Interpret basic financial statements                                  4
Fundamental   117158   Investigate ways of managing financial risk in own lives              5
Core          14979    Describe issues of compliance or non-activity that could              2
                       result in civil or criminal liability in terms of business law

Core          117132   Explain basic economics                                               3
Core          114979   Operate a computer workstation              in   a   business         2
                       environment

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Company Profile Skills Development Programmes
Fundamental   9015   Apply knowledge of statistics and probability to critically        6
                     interrogate and effectively communicate findings on life
                     related problems
Fundamental   9016   Represent analyse and calculate shape and motion in 2-             4
                     and 3-dimensional space in different contexts
Fundamental   7468   Use mathematics to investigate and monitor the financial           6
                     aspects of personal, business, national and international
                     issues

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NATIONAL CREDIT ACT

The banking and motor vehicle industry is required to be compliant with the National Credit
Act (NCA).

INTELLIGO Solutions facilitates a morning workshop with the IOB (Institute of Bankers) exam
will be written in the afternoon. The student will receive a pre-workshop preparation manual
on registration ahead of the workshop.

The National Credit Act

The National Credit Act aims at ensuring that all consumers who make use of credit are treated
fairly and are not discriminated against. This Act, which is currently being phased in, replaces
the current acts governing credit, namely the Usury Act, the Exemption Notice to the Usury Act
and the Credit Agreements Act. Banks operate under the Usury Act, micro financiers under the
Exemption Notice to the Usury Act, and the Credit Agreements Act governs instalment sales.

1. Aims of the National Credit Act
The aim of the NCA is to:
•     Increase access to credit at reasonable rates by reputable credit providers.
•     Promote a fair, competitive and sustainable credit market.
•     Help consumers make informed decisions.
•     Create mechanisms to deal with debt.
•     Provide protection for consumers, securing
•     Redress and ensuring compliance.

2. The objectives of the National Credit Act
The objectives of the NCA are to:
•     Promote fair non-discriminatory market place
•     Improve standards of consumer credit industry
•     Prohibit unfair practices
•     Promote responsible credit granting
•     Regulate credit information

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FAIS FIT & PROPER RE1 & RE5 REGULATORY EXAM
                          PREPARATION

Our workshop and eLearning options are aimed at licensed FSPs (Financial Service
Providers) who are mandated by law to ensure that all their Representatives complete the
FAIS 'Fit and Proper' regulatory exams.

Background on the regulatory examinations
In October 2008 the new FAIS Fit and Proper requirements were published in Gazette No.
21514. Specific reference should be made to Board Notice 103, 104, 105, 106 and 151. The
new requirements have a significant impact on the financial services industry in that it
requires all key individuals and representatives to successfully complete regulatory
examinations based on their roles and the product sub-categories they are responsible for.

These regulatory examinations form part of the competence requirements, and consist of two
levels:
Regulatory examinations Level 1: These regulatory examinations must be completed
within 2 years of appointment or approval. People currently in the industry appointed or
approved between 2004 and 2009 must complete these regulatory examinations successfully
by 31 June 2012. People entering the industry from 2010 must complete these regulatory
examinations successfully within two years of appointment / approval.

The content of these regulatory examinations are based on the regulatory framework and the
regulatory role of the individual, for example the FAIS Act, Code of Conduct, FICA etc.
Please refer to BN 105 Annexure 1 for more detailed information regarding the content.
These regulatory examinations are compulsory and all representatives and key individuals
are required to complete these regulatory examinations.

Exam prepararation methods

  •   Regulatory Level 1 RE1 (Key Individuals) : 3-day workshop pre and post testing
  •   Regulatory Level 1 RE1 (Key Individuals) : 3-month access to eLearning material and
      testing
  •   Regulatory Level 1 RE5 (Representatives) : 2 day workshop pre and post testing
  •   Regulatory Level 1 RE5 (Representatives) : 3-month access to eLearning material
      and testing
  •   3-day combination workshop for RE1 and RE5 – RE1 attend all 3 days, RE5 attend first
      two days.

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F&I 'TUNE UP' WORKSHOP

The “TUNE UP” workshop will create the aspiration within every F&I Manager to serve
customers at such a high level that every customer is genuinely delighted with their F&I
experience.

The 2-day corporate workshop topics are Me and My Company and Me and My Customer.
What’s in the “TUNE UP” tool box?

•     Professional image and the importance of this as a registered professional.
•     How to create passion for my job
•     Setting objectives
•     DOC –what does it mean to me
•     Budgeted targets and how to use these
•     Commission Structures – how do I maximise the F&I income
•     Time and Stress Management
•     Take custody of the customers
•     Design products packages
•     Objections become opportunities to sell
•     Negotiation
•     Identify stages of closing

Workshop objectives and outcomes

•    The 2nd gross products are aligned into strategies and goals set by the F&I Manager –
     taking ownership of your department.
•    Restore confidence in the F&I manager to focus on the sale of all F&I products, not
     simply the ones they make the most money on, or those products they perceive to be
     the easiest to sell.
•    Motivate the F&I manager with the expectation of continuous improvement in
     their performance.
•    Structure deals to reduce your customer’s risk and secure funding
•    Making more hours in your day to achieve set goals.
•    Hearing your customer needs.
•    Getting your sales teams to agree to that you add value to the sales team.
•    Forming partnerships within your dealership.
•    Getting to know your future customers outside of your office space – customer lounge.
•    Be passionate and achieve job satisfaction.

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FAIS ACT FIT & PROPER REQUIREMENTS

FAIS Act Fit & Proper Qualifications

   •   FETC: Retail Insurance 66609 Level 4 (refer to page 7)
   •   FETC: Short-Term Insurance 66610 Level 4
   •   FETC: Long Term 49649 Level 4
   •   FETC: Wealth Management 66613 Level 4
   •   NC: Wealth Management 66611 Level 5
   •   FSB FAIS Regulatory Level 1 Exam Preparation RE1and RE5 (refer to page13)

Methods of Learning

   •   Learnership – Employed and Unemployed- Classroom
   •   Learnership – Employed Online
   •   Skills Programmes – Classroom,
   •   Skills Programmes - Distance Online, Paper based
   •   Individual Unit Standards – Distance Online, Paper based
   •   Regulatory Exam preparation – Workshops, Online, Paper based
   •   Regulatory Exam preparation – Distance Online, Paper based
   •   Regulatory Exam preparation – One on one coaching

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FETC: SHORT TERM INSURANCE QUALIFICATION

The programme incorporates the FAIS Fit and proper requirements of the FETC: Short Term
Insurance Qualification SAQA ID 66610 at Level 4 minimum of 150 credits.

What are the minimum entry level learning requirements to enrol?
It is assumed that learners are competent in Communication and Mathematical Literacy at NQF
Level 3. (Grade 11/ Std 9)

Access to the qualification:
There is open access to this Qualification bearing in mind the Learning Assumed to be in
Place, detailed above.

        FAIS Act Sub Categories of Insurance

        •1.1 Long Term Insurance A
        •1.2 Short Term Personal Lines
        •1.3 Long Term Insurance B1
        •1.4 Long Term Insurance C
        •1.6 Short Term Commerciall Lines
        •1.17 Deposits Defined in Banks Act exceeding 12 months
        •1.18 Deposits defined in Banks Act 12 month or less
        •1.19 Friendly Society Benefits
        •1.20 Long Term Insurance B2
        •KI - Key Individual

        FAIS Regulatory Exam

        •Regulatory Level 1
        •RE1 Key Individual
        •RE5 Representatives

  How will this qualification benefit your career?

 The purpose of the Qualification is to build knowledge and skill required by employees in
 Short Term Insurance who have had schooling at or below NQF level 4. It is an entry
 Qualification into Short Term Insurance as learners will not have acquired the necessary
 knowledge and skills as part of the school curriculum. It is intended to empower learners to
 acquire knowledge, skills, attitudes and values required to operate confidently as individuals
 in the South African community and to respond to the challenges of the economic
 environment and changing world of work in the financial services industry. It should add
 value to the qualifying learner in terms of enrichment of the person, status and recognition.

 As a Qualification that covers Short Term Insurance related learning, it provides a
 framework for learners to develop competencies that will give them insight into the Short-
 Term Insurance sub-sector. It introduces a basic understanding of the key terms, rules,
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concepts and principles of the field that will enable learners to be informed workers in the
industry. It provides a balanced learning experience that allows flexible access to life-long
learning, higher education and to productive employment in Short Term Insurance. It
provides an opportunity for learners to learn and apply academic skills in relation to the
workplace and will allow for multi-skilling.

Qualifying learners should be knowledgeable about and competent in:

•   Carrying out basic research, information gathering and analysis.
•   Interpreting current affairs and their influence on Short Term Insurance.
•   Communication and Mathematical Literacy at a level that allows them to operate
    effectively in the financial services industry.
•   Behaviour and ethics in a work environment and the implications, consequences and
    liability arising out of non-compliance with relevant legislation.
•   Managing aspects of personal finances.
•   Knowledge of Short Term personal and/or commercial lines products.
•   Customer care including internal and external customers.
•   Understanding the key terms, rules, concepts and principles of the Short Term sub-
    sector, in general and their chosen career path, in particular.
•   Knowledge of insurable risk and application of the law of contract in Short Term
    Insurance.
•   Managing an information system used in Short Term Insurance.

Learners employed in Short Term Insurance at this level may be Short Term Insurance
Intermediaries who advise on Short Term Insurance products, Internal Broker Consultants,
Call Centre Operators, Personal Accident Administrators, Personal lines Administrators,
Commercial Lines Administrators, Claims, Negotiators, Technicians or Assessors, Client
Service Providers, Service Agents, Underwriting Agents, Product Developers, Motor
Assessors, Assessors, Reinsurers, Underwriters, Personal Assistants, Secretaries, Service
Centre Staff, IT Systems Designers and Analysts in Short Term organisations or learners
who work in Marketing Departments of Short Term Insurers. They do work that requires an
understanding of the Short Term sub-sector within the context of the Financial Services
Industry and some specialisation in their selected career path. The work roles are in
personal, commercial/business lines and specialised areas of business such as aviation,
transportation (marine) and agricultural Insurance. The Qualification is intended for learners
in personal lines and business/commercial lines Insurance who advise on selected
Insurance products. It specifically excludes giving advice on the management of risk in
commercial/business lines.
Note that:

•   Learners who work in the retail industry and sell Insurance as part of their work but are
    not in a career path in the Insurance industry should do the FETC: Retail Insurance.
•   Learners whose work focus is mainly on the management of risk and who give advice
    on commercial lines or business Insurance as a means of managing risk should do the
    National Certificate in Risk Management: Level 4.

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Programme outline

           ID        UNIT STANDARD TITLE                                          CREDITS

Core       114943    Describe how to manage workplace relationships                       2

Core       114985    Indicate how different needs lead to the                             4
                     development of different Financial Service
                     products
Core       117133    Manage own work performance in relation to an                        2
                     organisation's performance management system

Core       113911    Use an electronic system as a tool in a financial                    2
                     services context
Core       120019    Analyse new developments reported in the media                     10
                     that could impact on Short Term insurance
Core       120121    Apply technical knowledge and understanding of                       5
                     the cover provided under a Short Term Multi-Peril
                     Insurance policy
Core       120128    Apply the law of contract to insurance                               3

Core       119676    Apply the skills of customer care in a specific work                 4
                     environment
Core       13940     Demonstrate knowledge and application of ethical                     4
                     conduct in a business environment
Core       120127    Demonstrate knowledge and understanding of                           2
                     issues of compliance or non-activity that could
                     result in civil or criminal liability in terms of business
                     law
Core       120005    Demonstrate knowledge and understanding of                           4
                     personal motor insurance
Core       120124    Demonstrate knowledge of insurable risk                              3

Core       117117    Describe standard insurance cover in terms of                        4
                     SASRIA
Core       119265    Manage risk in own work environment                                  2

Elective    12164    Demonstrate knowledge and insight of the Financial
                     Advisory and Intermediary Services Act (FAIS) (Act 37 of
                     2002)

Elective    117129   Apply the regulations for disclosure that are required as           2
                     part of the financial sales process
Elective    9302     Access information in order to respond to client                    2
                     enquiries in a financial services environment

Elective    120022   Apply knowledge and understanding of personal accident              2
                     insurance
Elective    117171   Manage time effectively to enhance productivity and                 2
                     enable a balanced lifestyle
Elective    113903   Demonstrate skills and techniques required to build a               3
                     relationship with a client in a financial services
                     environment
Elective    120014   Demonstrate knowledge and understanding of warranty                 3
                     as a class of insurance
                     Apply knowledge of Short Term Insurance to
Elective    120136                                                                       5
                     reinsurance
                     Demonstrate knowledge and understanding of house
Elective    120015                                                                       3
                     owner’s insurance

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Underwrite a standard risk in short term personal
Elective      120118                                                                      6
                        insurance
                        Operate a computer workstation in a business
Elective      114979                                                                      2
                        environment

Elective      120120    Apply knowledge of business interruption insurance                 3

Elective      120135    Apply technical knowledge and understanding of business            5
                        motor insurance
Elective      120122    Apply knowledge of Short Term Insurance to the All Risks           2
                        section of a commercial policy
Elective      120020    Apply knowledge of insurance to the transportation of a            3
                        consignment of goods
Elective      9302      Access information in order to respond to client enquiries         2
                        in a financial services environment
Elective      120125    Apply knowledge of public liability insurance                      3

Fundamental   117127   Describe and apply the basic principles of personal income          3
                        tax
Fundamental   117156    Interpret basic financial statements                               4

Fundamental   117158    Investigate ways of managing financial risk in own lives           5

Fundamental   9015      Apply knowledge of statistics and probability to critically        6
                        interrogate and effectively communicate findings on life
                        related problems
Fundamental   9016      Represent analyse and calculate shape and motion in 2-             4
                        and 3-dimensional space in different contexts
Fundamental   7468      Use mathematics to investigate and monitor the financial           6
                        aspects of personal, business, national and international
                        issues
                        Accommodate audience and context needs in oral
Fundamental   8968      communication                                                     5

Fundamental   8969      Interpret and use information from texts                          5
                        Use language and communication in occupational
Fundamental   8973      learning programmes                                               5

Fundamental   8970      Write texts for a range of communicative contexts                 5
                        Engage in sustained oral communication and evaluate
Fundamental   8974      spoken texts                                                      5

Fundamental   8975      Read analyse and respond to a variety of texts                    5
                        Use language and communication in occupational
Fundamental   8979      learning programmes                                               5

Fundamental   8976      Write for a wide range of contexts                                5

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FETC: LONG TERM INSURANCE QUALIFICATION

The programme incorporates the FAIS Fit and proper requirements of the FETC: Long Term
Insurance Qualification SAQA ID 49649 at Level 4 minimum of 140 credits.

What are the minimum entry level learning requirements to enrol?
•      Grade 12
It is assumed that a learner will be competent in:
•      Communication at NQF Level 4 in two (2) official South African Languages (Essential)
•      Mathematics at NQF Level 4 an advantage – Gr 12 Mathematics
•      Computer Literacy at NQF Level 3 an advantage

       FAIS Act Sub Categories of Insurance

      •1.1 Long Term Insurance A
      •1.2 Short Term Personal Lines
      •1.3 Long Term Insurance B1
      •1.4 Long Term Insurance C
      •1.5 Retail Pension Benefits
      •1.6 Short Term Commerial Lines
      •1.7 Pension Funds Benefits (excl Retail)
      •1.8 Securities & Instruments : shares
      •1.9 Securities & Instruments : Money market instruments
      •1.10 Securities & Instruments : Debentures and securities debt
      •1.11 Securities & Instruments : Warrants, certificates & other inst
      •1.17 Deposits Defined in Banks Act exceeding 12 months
      •1.12 Securities & Instruments : Bonds
      •1.14 Participatory interests in collective investment schemes
      •1.15 Foreign currency denominated investment instruments
      •1.16 Health Service Benefits
      •1.13 Securities & Instruments : Derivative instruments
      •1.18 Deposits defined in Banks Act 12 month or less
      •1.19 Friendly Society Benefits
      •1.20 Long Term Insurance B2
      •KI - Key Individual

       FAIS Regulatory Exam

      •Regulatory Level 1
      •RE1 Key Individuals
      •RE5 Representatives

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How will this qualification benefit your career?

The purpose of the Qualification is to build knowledge and skill required by employees in
Long-term Insurance who have had schooling at or below NQF level 4. It serves as a bridging
Qualification into Long-term Insurance as learners will not have acquired the necessary
knowledge and skills as part of the school curriculum. It is intended to empower learners to
acquire knowledge, skills, attitudes and values required to operate confidently as individuals
in the South African community and to respond to the challenges of the economic
environment and changing world of work in the financial services industry. It should add value
to the qualifying learner in terms of enrichment of the person, status and recognition.

As a Qualification that covers Long-term Insurance related learning, it provides a framework
for learners to develop competencies that will give them insight into the Long-term Insurance
sub sector. It introduces a basic understanding of the key terms, rules, concepts and
principles of the field that will enable learners to be informed workers in the industry. It
provides a balanced learning experience that allows flexible access to lifelong learning,
higher education and to productive employment in Long-term Insurance. It provides an
opportunity for learners to learn and apply academic skills in relation to the workplace and will
allow for multi-skilling.

The FETC: Long-term Insurance allows the individual to work towards a nationally
recognised Qualification. It is flexible enough to accommodate both learners in formal
education and learners already employed in the Long-term Insurance sector. The focus is on
basic information gathering, analysis, presentation and the ability to apply knowledge of the
field to solve routine problems within given frameworks.

Qualifying learners should be knowledgeable about and competent in:
• Carrying out basic research, information gathering and analysis.
• Interpreting current affairs and their influence on Long-term Insurance.
• Communication and mathematical literacy at a level that allows them to operate effectively
  in the financial services industry.
• Behaviour and ethics in a work environment and the implications, consequences and
  liability arising out of non-compliance with relevant legislation.
• Managing aspects of personal finances.
• Knowledge of Long-term products including group retirement benefits, life and healthcare.
• Customer care including internal and external customers.
• Understanding the key terms, rules, concepts and principles of the Long-term sub-sector
  in general and their chosen career path in particular.
• Application of the law of contract in Long-term Insurance.

Learners employed in Long-term Insurance at this level may be Administrators, Consultants,
Personal Assistants, Secretaries, Service Centre Staff or Category B Intermediaries, Term
Broker Consultants, Client Liaison Officers, IT Systems Designers and Analysts in Long-term
organisations, Product Developers or Business Analysts in Personal or Corporate Benefits,
Marketing or Life Administration. They do work that requires an understanding of the Long-
term sub-sector within the context of the Financial Services Industry and some specialisation
in their selected career path. They require insurance knowledge at a fundamental level and
are required to interpret information and may be required to adjust an application of
Scheme/Policy rules. Trustee training has been identified as a necessity by the Department
of Finance and the Financial Services Board.

Note that: Learners who work in the retail industry and sell Insurance as part of their work but
are not in a career path in the Insurance industry should do the FETC: Retail Insurance.

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Programme outline

                 ID           UNIT STANDARD TITLE                                             CREDITS
 Core            117141       Describe healthcare cover in South Africa                        2
 Core            114983       Describe life insurance                                          3
 Core            117146       Indicate the scope of life insurance in South Africa             4
 Core            114960       Investigate the need to provide financially for own              3
                              retirement
 Core             119478      Analyse the different products available in the Long-term        5
                              Insurance
                              industry and the benefits of each
 Core             118011      Analyze new developments reported in the media that              10
                              could
                              impact on long-term insurance
 Core             14991       Apply the law of contract to insurance                           2
 Core             119676      Apply the skills of customer care in a specific work             4
                              environment
 Core             13940       Demonstrate knowledge and application of ethical conduct         4
                              in a
                              business environment
 Core             14994       Demonstrate knowledge and understanding of insurable             2
                              risk
 Core             113910      Describe disability insurance solutions in the context of        4
                              financial
                              planning
 Core             117137      Describe group insured benefits                                  2
 Core             14979       Describe issues of compliance or non-activity that could         2
                              result in
                              civil or criminal liability in terms of business law
 Core             119261      Describe the control of fraud in Long-term Insurance             3
 Core             113913      Investigate dread disease products and their place in            2
                              wealth
                              management
The Elective Component consists of Unit Standards to the value of 142 credits. Learners are to choose
Unit Standards to the minimum of 20 credits.
 Elective          9302        Access information in order to respond to client enquiries in 2
                               a           financial services environment
 Elective          114956      Describe funeral insurance                                        2
 Elective          114943      Describe how to manage workplace relationships                    2
 Elective          117132      Explain basic economics                                           3
 Elective          117133      Manage own work performance in relation to an 2
                               organisation's performance management system
 Elective          117171      Manage time effectively to enhance productivity and enable 2
                               a balanced lifestyle
 Elective          114979      Operate a computer workstation in a business environment          2
 Elective          113911      Use an electronic system as a tool in a financial services 2
                               context
 Elective          113903      Demonstrate skills and techniques required to build a 3
                               relationship with a client in a financial services environment
 Elective          119260      Explain credit life insurance                                     2
 Elective          14506       Explain the Finance Intelligence Centre Act, Act 38 of 2001 3
                               and its implications for client relations
 Elective          117126      Apply knowledge and insight into aspects of the Long-Term 2
                               Insurance Act, Act 52 of 1998

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Elective         117129      Apply the regulations for disclosure that are required as part   2
                             of the financial sales process

Elective         12164       Demonstrate knowledge and insight of the Financial Advisory 2
                             and Intermediary Services Act (FAIS) (Act 37 of 2002)

 The Fundamental Component consists of Unit Standards to the value of 68 credits all of which are
 compulsory.
Fundamental    252143      Describe and apply the basic principles of personal income 3
                           tax
Fundamental      117156       Interpret basic financial statements                            4

Fundamental      117158       Investigate ways of managing financial risk in own lives        5

Fundamental      9015         Apply knowledge of statistics and probability to critically     6
                              interrogate and effectively communicate findings on life
                              related problems
Fundamental    9016          Represent analyse and calculate shape and motion in 2-and 4
                              3-dimensional space in different contexts
Fundamental    7468          Use mathematics to investigate and monitor the financial 6
                              aspects of personal, business, national and international
                              issues
Fundamental    8968          Accommodate audience and context needs in oral                   5
                              communication
Fundamental    8969          Interpret and use information from texts                         5
Fundamental    8973          Use language and communication in occupational learning          5
                              programmes
Fundamental    8970          Write texts for a range of communicative contexts                5
Fundamental    8974          Engage in sustained oral communication and evaluate              5
                              spoken texts
Fundamental    8975          Read analyse and respond to a variety of texts                   5
Fundamental    8979          Use language and communication in occupational learning          5
                              programmes
Fundamental    8976          Write for a wide range of contexts                               5

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FETC: WEALTH MANAGEMENT NQF LEVEL 4 QUALIFICATION

The programme incorporates the FAIS Fit and proper requirements of the FETC: Wealth
Management Qualification SAQA ID 66613/57917 at Level 4 minimum of 120 credits.

What are the minimum entry level learning requirements to enrol?
•    The Qualification consists of a Fundamental, a Core and an Elective Component.

To be awarded the Qualification, learners are required to obtain a minimum of 150 credits as
detailed below.
Fundamental Component:
The Fundamental Component consists of Unit Standards in:
•     Mathematical Literacy at NQF Level 4 to the value of 16 credits.
•     Communication at NQF Level 4 in a First South African Language to the value of 20
      credits.
•     Communication in a Second South African Language at NQF Level 3 to the value of 20
      credits.

Financial Literacy at NQF Level 4 to the value of 12 credits.
It is compulsory therefore for learners to do Communication in two different South African
languages, one at NQF Level 4 and the other at NQF Level 3.

       FAIS Act Sub Categories of Insurance

       •1.1 Long Term Insurance A
       •1.2 Short Term Personal Lines
       •1.3 Long Term Insurance B1
       •1.4 Long Term Insurance C
       •1.6 Short Term Commercial Lines
       •1.17 Deposits Defined in Banks Act exceeding 12 months
       •1.18 Deposits defined in Banks Act 12 month or less
       •1.19 Friendly Society Benefits
       •1.20 Long Term Insurance B2
       •KI - Key Individual

       FAIS Regulatory Exam

       •Regulatory Level 1
       •RE1 - Key Individuals
       •RE5 Representatives

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How will this qualification benefit your career?

The FETC: Wealth Management is a generic Qualification in the management and creation of
wealth that builds the introductory knowledge, skills attitudes and values required for learners
to operate ethically and responsibly as Intermediaries and Administrators, and to respond to
the challenges of the economic environment and the changing nature of the highly regulated
Financial Services Industry. It is designed to meet the needs of learners in a variety of
positions including Trustees and Principal Officers of retirement funds and medical schemes
and Trainee Financial Planners.

The FETC: Wealth Management covers structured, low risk, cash backed investment or
guaranteed products for conservative portfolios including life, disability, health events (dread
disease and personal accident) and funeral cover. It provides a holistic introduction to Wealth
Management and Wealth Creation and is a building block for the National Certificate: Wealth
Management: Level 5. It should develop individuals who have a basic understanding of
economics, asset management, investment principles, financial markets, risk (personal and
financial) and the need to provide for financially for retirement. It should add value to the
qualifying learner in terms of enrichment of the person, status, licensing and recognition.

The Qualification is structured in such a way that it exposes learners to generic competencies
required in the management and creation of wealth including Long-Term Insurance (Life,
Medical Scheme Administration, and Retirement Funds), Short Term Insurance and the
Collective Investments and allows for specialisation to meet the needs of different work roles.
The electives make provision for different streams of specialisation. It provides a balanced
learning experience and an opportunity for learners to apply academic skills in relation to the
workplace.

Rationale:
The National Certificate in Financial Services: Wealth Management: NQF Level 4 expires in
February 2007. The qualification has been reviewed and expanded to meet the needs of
learners in a variety of positions in the Financial Services Sector. The FETC: Wealth
Management replaces the National Certificate in Financial Services: Wealth Management:
NQF Level 4.

The FETC: Wealth Management combines Long-Term Insurance (including Retirement
Funds, and Medical Schemes), Collective Investment Schemes and other aspects of
investment. The Qualification is a holistic introduction to Wealth Management and Wealth
Creation. It includes Unit Standards for aspiring Trainee Financial Planners, Intermediaries,
Trustees and Principal Officers of Medical Schemes and Retirement Funds and some Short-
Term Insurance Unit Standards for Intermediaries who advise on both long and short-term
products. It is a building block for the National Certificate: Wealth Management: Level 5.

The FETC: Wealth Management is intended for:
Learners who require licensing in Long-Term Category A, generally intermediaries who sell
assistance policies including funeral policies in terms of the current Determination of Fit and
Proper Requirements for Financial Services providers.

Learners who require licensing in Long-Term Category B, generally intermediaries selling
risk policies (death, disability and health events) and guaranteed investment/savings,
recurring policies and annuities other than single premium annuities and excluding products
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marketed as investment or savings policies in terms of the current Determination of Fit and
Proper Requirements for Financial Services providers.

Intermediaries who run their own financial planning practices and who offer advice on Short-
Term Personal Lines and Business Insurance and who also advise on Long-Term Categories
A and/or B in terms of the current Determination of Fit and Proper Requirements for Financial
Services providers.

Trustees and Principal Officers of Retirement Funds or Medical Schemes.

Learners who have a School-Leaving Certificate and are entering the Insurance and
investment Industry for the first time.

Learners in administrative positions and sales in Collective Investment Scheme Managers
and Medical Schemes who do not provide advice.

Broker Consultants and learners in Call Centres who give advice on Long-Term Category A
and/or B products in terms of the current Determination of Fit and Proper Requirements for
Financial Services providers.

Administrators in financial services organisations.

Trainee Financial Planners who seek registration with the Financial Planning Institute.

The Qualification will be useful for Internal Broker Consultants, Financial Services Call Centre
Agents (Inbound and Outbound), Personal Benefits Agents, Corporate Benefits Agents,
Intermediaries, Client Service Providers, Sales and Marketing Agents, Life Administration
Agents, Administrators in Collective Investment Managers, Retirement Fund Administrators,
Trainee Financial Planners, Trustees of retirement funds or medical schemes, Principal
Officers of retirement funds or medical schemes, Administration staff dealing with and
intermediaries, Business development consultants and Agents.

Note that:
Intermediaries who need a level 5 qualification for licensing in Category C under the Financial
Advisory and Intermediary Services Act (FAIS) including Intermediaries who sell single
premium retirement annuities, preservation fund policies and other insurance contracts (other
than those mentioned in Categories A and B) and Medical Scheme Intermediaries require a
Level 5 Qualification and could do the National Certificate: Wealth Management: Level 5.

                                                                                       25 | P a g e
                                 sales@intelligosolutions.com             or   011   234 6251
Programme outline

              ID       UNIT STANDARD TITLE                                          CREDITS

Core          117132   Explain basic economics                                         3

Core          243144   Explain the structure of the financial services                 4
                       industry in South Africa
Core          114960   Investigate the need to provide financially for                 3
                       own retirement
Core          114970   Manage risk in own life                                         3
Core          243133   Analyse current events reported in the media                   10
                       that could impact on wealth management
Core          242655   Demonstrate knowledge and application of                        4
                       ethical conduct in a business environment
Core          243153   Explain basic investment principles                             4

Core          243142   Explain Capital Markets and Capital Market                      2
                       Instruments
Core          243148   Explain Equity Markets and equity market                        2
                       instruments
Core          243154   Explain money markets and money market                          2
                       instruments
Core          242593   Explain South African money laundering                          3
                       legislation and the implications for accountable
                       institutions in transacting with clients
Core          243134   Investigate      the     range     of        options            5
                       available for wealth management
Elective      243129   Describe collective investment schemes                          2

Elective      114956   Describe funeral insurance                                      2

Elective      119478   Analyse the different products available in                     5
                       the Long-term Insurance industry and the
                       benefits of each
Elective      117126   Apply knowledge and insight into aspects of                     2
                       the Long-Term Insurance Act, Act 52 of 1998
Elective      117121   Apply knowledge and insight into the Short-Term                 3
                       Insurance Act (No 53 of 1998) and the
                       accompanying                           regulations
Elective      120022   Apply knowledge        and     understanding     of             2
                       personal accident insurance
Elective      119676   Apply the skills of customer care in                            4
                       a specific work environment
Elective      242584   Demonstrate knowledge and understanding                         2
                       of the Financial Advisory and Intermediary
                       Services          Act 2002 (FAIS) (Act 37 of 2002)
                       as it impacts on a specific financial services sub-
                       sector
Elective      120124   Demonstrate knowledge of insurable risk                         3

Elective      243137   Demonstrate skills and techniques required to                   3
                       build a relationship with a client in a financial
                       services          environment

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Elective      117241   Develop a business plan for a small business                  5

Elective      117244   Investigate the possibilities of establishing and             3
                       running a small business enterprise (SMME)
Fundamental   119462   Engage in sustained oral/signed communication                 5
                       and evaluate spoken/signed texts

Fundamental   119469   Read/view, analyse and respond to a variety                   5
                       of texts
Fundamental   119469   Read/view, analyse and respond to a variety                   5
                       of texts
Fundamental   119459   Write/present/sign for a wide range of contexts               5

Fundamental   119472   Accommodate audience and context needs in                     5
                       oral/signed communication
Fundamental   119457   Interpret and use information from texts                      5

Fundamental   119467   Use language and communication in                             5
                       occupational learning programmes
Fundamental   119465   Write/present/sign texts for a range of                       5
                       communicative contexts
Fundamental   117158   Investigate ways of managing financial risk in                5
                       own lives
Fundamental   117127   Describe and apply the basic principles of                    3
                       personal income tax
Fundamental   117158   Investigate ways of managing financial risk in                5
                       own lives
Fundamental   9015     Apply knowledge of statistics and probability to              6
                       critically interrogate and effectively
                       communicate findings on life related problems
Fundamental   9016     Represent analyse and calculate shape and                     4
                       motion in 2-and 3-dimensional space in
                       different contexts
Fundamental   7468     Use mathematics to investigate and monitor                    6
                       the financial aspects of personal, business,
                       national and international issues

                                                                                   27 | P a g e
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