4Life Direct International is a leading international financial services company specialising in helping insurers and their agents develop simple, easy-to-understand and affordable life insurance products for the European market, via direct-to-consumer strategies.
At 4Life Direct International, we believe that life insurance is one of the most important gifts you can give to your family. That’s why the founders of 4Life Direct International have spent more than 25 years perfecting the art of helping customers secure the most affordable, convenient and easy to understand insurance policies. We use this expertise and accumulated industry knowledge to help the companies we work with to meet the requirements and needs of their customers.
4Life Direct International began in 2009 and provides managerial and strategic support to the 4Life Direct companies currently in Poland, Hungary, Czech Republic and Slovakia, helping them to be leading distributors of life insurance in Europe, offering a customer experience unlike any other. Since then, over a million people have approached these companies directly to discuss their insurance needs.
Our customer-focused business model was born in South Africa in the late 1980’s and was successfully introduced to the USA, UK and Australia over three decades. Our commitment to the 4Life Direct companies and their customers is unwavering in every market in which they operate. While we continue to help the 4Life Direct companies secure affordable life and non-life insurance coverage for older Europeans, we also help them secure a wide range of insurance cover for the younger generation.
We are conscious of the immense trust that customers place in the 4Life Direct companies to protect themselves and their loved ones. Because of this, our customer-focused business model means our customers are always a priority. We work in tandem with our insurers and the 4Life Direct companies to help them develop and sell products which sets them apart from other insurance companies by adhering to three core values:
We don't baffle customers with confusing jargon or legal-speak. We believe everything should be easy to understand and obtain and that customers should know exactly what they are buying. The terms and conditions of the policies our insurers sell are some of the shortest and easiest to read in the business.
We help the 4Life Direct companies implement an innovative customer service experience which is convenient for the customer. When customers contact any 4Life Direct company, regardless of where they are in the world, they deal with them directly - from the moment they enquire about taking out a policy to the moment they make a claim - all from the convenience of their own home.
We pride ourselves on helping our insurers to develop policies that are suitable for everyone, regardless of income, occupation or health. We strive for integrity and fairness, and work closely with our insurer to ensure that the products are what customers want, need and can afford.
We choose partners that are led by the same principles as us – simplicity, convenience and affordability.
Our partner, Red Sands Insurance Group*, shares our vision, offers superior insurance products and provides the financial strength and credibility that is expected from a large international group.
Most importantly, Red Sands Insurance Group offers a wide range of products and services to all sectors of the European market, regardless of location. It currently has over 1 million clients across Europe and has paid over €61 million in claims in 2014, alone. The Red Sands Insurance Group are also associated with a large international insurance group with more than 7.2 million clients worldwide and global gross written premiums of €1.4 billion.
*Red Sands Life Assurance Company (Europe) Limited is registered and seated in Gibraltar.
*Red Sands Insurance Company (Europe) Limited is registered and seated in Gibraltar.
John Gammie is a graduate of Stellenbosch University and the University of KwaZulu Natal in South Africa and is a qualified Chartered Accountant. He has many years’ experience of working in the financial services sector in the United Kingdom including Credit Suisse Investment Bank and, for the last 10 years, at the global insurance broker Willis. At Willis his roles included leading a successful international change programme, Deputy Group FP&A Director and CFO Global Transport. He has years of experience communicating across international businesses with various stakeholders including boards, investors, bankers and regulators. John is currently the Managing Director of 4Life Direct International and is responsible for leading the company strategy while managing the day-to-day running of the business.
Bruce Howard is a graduate of Rhodes University, the University of the Witwatersrand and Harvard University. He has over 35 years’ international experience in the life insurance industry including CEO of AA Life Assurance Association (South Africa) as well as co-founder and CEO of Clientele Life Assurance Company (South Africa), Clientele Financial Services (USA), Clientele Insurance Services (Australia) and 4Life Direct International. He now acts in an advisory capacity to the board and is considered to be one of the world’s leading experts in the field of direct marketing of insurance products and services.
Francois Marais has more than 20 years’ experience in the insurance industry and has served as a member of the Board of Clientele Life South Africa. He was CEO of the IFA Division of Clientele Life, the largest direct selling business in South Africa. He joined 4Life Direct in 2010 and held the position of Managing Director of 4Life Direct Poland until 2014. He is currently the Sales Director for the 4Life Direct Group, as well as Chairman of 4Life Direct Poland.
Christelle Correia started her career in customer care in 1995 when she headed up Clientele Life’s Claims & Underwriting team and took over the role of Senior Contact Centre Manager in 2001. Throughout her career she has been exposed to customer service and managing workforces to ensure maximum satisfaction for all involved. Christelle has received several accolades related to contact center operations and customer care throughout the years. She has been certified as a Contact Center Strategic Leader by the Call Center Industry Advisory Council and she uses her knowledge and experience to lead a successful team in her capacity as Operations Director at 4Life Direct International. Christelle supports the contact centre industry both locally and internationally through her involvement with the Contact Centre Management Group of South Africa and ContactCenterWorld.com.
Lukasz Siara is a graduate of Economics at Warsaw University. Having joined 4Life Direct Poland in 2009 he gained a wealth of experience working in various departments and currently holds the position of IT Director for 4Life Direct International.
Jean-Pierre is a qualified Chartered Accountant (SA), having majored in finance at the University of Cape Town and obtaining post grad honours in accounting through the University of Kwa-Zulu Natal. After completing his articles with Ernst and Young in Cape Town, South Africa, Jean-Pierre moved to London where he spent over 5 years in investment banking as part of the finance team for the European Oil Desk at Morgan Stanley. Jean-Pierre joined 4Life Direct International in 2013 as Finance Manager to head up the finance department and since December 2013 holds the position of Finance Director for 4Life Direct International.
Natasha Axsel is a graduate of the University of the Witwatersrand and has more than 10 years’ experience in the financial and insurance industry having fulfilled various operational roles in her career. Natasha holds the position of Operations Manager at 4Life Direct International.
After studying a Bachelor of Commerce degree at the University of Cape Town, she began her career in sales and marketing at Old Mutual in Cape Town, South Africa. With a passion for learning and developing, Erica grew in all aspects of marketing from product development and management to business analysis, project management and finally direct marketing. Erica has a wealth of experience across many industries ranging from banking to insurance, and across local and global companies. Her previous role was EMEA Direct Marketing Manager for AIG based in London managing 16 countries across Europe, Middle East and Africa, with 160 staff and an annual budget of $100m. Erica now holds the position of Marketing Director at 4Life Direct International. She is responsible for leading the company marketing strategy across all branches with the aim of expanding the businesses.
Alex Bilney graduated from Southampton Solent University having obtained a degree in Popular Music and Record Production. He then went on to work in the Media industry as a Media planner/buyer. During this time his focus was on building the presence of a direct response based life insurance brand in the UK market. In November 2014 he joined 4Life Direct International as a Marketing Manager and is now responsible for managing all media avenues across each of 4Life Direct International European branches.
Karlheinz matriculated in 2005 and went on to study his Bachelor of Information Technology Honours at the University of Pretoria. As part of the fulfilment requirements for his final year dissertation, he started working for the South African Revenue Services. There, he played a part in the implementation of multiple 'SARS’ modernization projects over the next three years, working his way up from junior software developer to technical team lead. In May 2012 he started working at Synerics Business Solutions on the 4LifeDirect project. Here, he has assisted his team with both the analysis and development of the bespoke software used by 4Life Direct group.
Georgia Benson serves as the office manager for 4Life Direct International. Her responsibilities encompass many aspects of the business including corporate events management, office developments and administration across all 4Life Direct branches. She is the central point of communication between all branch managers and ensures the smooth running of inter-branch meetings and events. Before joining 4Life Direct in September 2013 Georgia spent 10 years working in the engineering department for the local government offices in Greater London, gaining a wealth of experience in planning and communication.
Kelly Haskett joined 4Life Direct International in March 2015 as an Operational Support Manager. Holding 18 years’ worth of customer service experience from Clientele Life and qualifications in General Business Management (WITS Business School in South Africa) and Call Centre Operational Management (Call Centre Advisory Council of America). Her background includes managing various operations across the contact centre field such as team management, customer experience analysis, complaints management, walk-in centre operations and key accounts. Kelly is passionate about ensuring that customers receive the service they expect through great quality and care.
In November 2015, Jonathan O’Brien joined 4Life Direct International as its head of legal and compliance. Jonathan is a dual-qualified (Ireland and England and Wales jurisdictions) solicitor and has previously worked for one of the top insurance law firms in London. He has a wealth of experience acting for leading UK and international insurers as well as government bodies. Jonathan is responsible for overseeing the legal, compliance and regulatory functions of the business in London and across Central Eastern Europe.
At 4Life Direct International, we support a number of causes that contribute to the wellbeing of our communities. The Care4 initiative allows each ‘Employee of the Month’ from a 4Life Direct company to donate to a cause close to their hearts. From animal shelters to children’s hospitals, our employees go above and beyond to help those in need.
Award for Marketing Communications
In 2015, the marketing department of 4Life Direct Poland won an award from the Polish television channel TVP in the “Golden Speech for Advertising – Advertiser” category, in recognition of their outstanding attitude to the culture of communication through our adverts shown on TVP, demonstrating a high level of sensitivity, linguistic creativity and respect for the principles and traditions of the Polish language.
Best Contact Centre
In 2012, 4Life Direct Poland was judged to be the best contact centre in its class in the world, after receiving two gold medals by The Global Association for Contact Centre Best Practices.
Top Customer Friendly Company
4Life Direct Poland received the Top Customer Friendly Company award in 2010 and 2011, from the Institute of Management for Customer Service.
Quality of the Year Award
4Life Direct Poland were awarded Quality of the Year for exceptional service in 2011.
Consumer Laurel of the Year
In 2011, 4Life Direct Poland were awarded the Consumer Laurel of the Year for excellence.
Reliable Company Accolade
Since 2013, 4Life Direct Poland have participated in the ‘Reliable Company' program, providing a range of information to demonstrate their credibility. At the request of their partners and customers, they provided registration information, data about the decision makers in the company and achievements.
If you would like to find out more, please get in touch.
4Life Direct International
5th Floor, 3 London Wall Buildings,
London, EC2M 5PD
Tel.: 020 7256 2464