Business Talk – Dr Hardy Ncube on the importance of embedded insurance

Finance Staff Writer 9 Sep 2026 Finance Business Talk – Dr Hardy Ncube on the importance of embedded insurance Staff Writer  ·9 Sep 2026 In this Business Talk with Michael Avery interview, Dr Hardy Ncube unpacks the importance and value of embedded insurance. Ncube is the Head of Personal Lines Insurance at Standard Insurance Limited. In this role, he leads the design and delivery of innovative insurance solutions that meet the evolving needs of individual clients across South Africa. He does this by leveraging his background in actuarial science, insurance, and financial services, as well as his experience from a career spanning over 20 years. Ncube has championed initiatives that expand insurance access to underserved communities, while also enhancing product relevance through behavioural analytics and predictive modelling. The interview In this Business Talk interview, Ncube explains what embedded insurance is, and why it is such an important part of the industry’s future. He reveals why Standard Bank Insurance has a competitive advantage in this space, as well as the importance of trust as embedded insurance becomes more prominent. Ncube then explains how Standard Bank Insurance ensures customers remain informed even as insurance becomes more convenient, before revealing whether embedded insurance threatens the role of financial advisers and brokers. He unpacks why financial advisers should consider Standard Bank Insurance when assisting their clients, and predicts the future changes in the insurance industry over the next five years. Ncube concludes the interview by providing one key message he wants viewers to take away from the discussion. Watch the full interview with Dr Hardy Ncube, below. Subscribe Show comments Autoload comments