Ronald Samuels is a proud South African, entrepreneur and natural leader. Demonstrated through a rich career in various distribution leadership roles within the financial services sector in Southern Africa over the last 30 years. When his contract expired after 5 years in 2023 where he held his last position in the corporate world as the CEO of Botswana Life Insurance Ltd. in Gaborone, Botswana.


Ronald has taken over the reigns full time of his company SA Karoo Industries (Pty) Ltd. SA Karoo Industries, a truly South African company is the holding company for four diverse businesses. The first being RS Consultancy, specializing in offering financial services client’s custom-made holistic solutions for their distribution businesses. The second business is Rolling Hills Farmstead an Overberg farm providing sheep wool for the export market and the sought after Overberg Lamb for the South African consumers. There is an exciting new development on Rolling Hills and that is the addition of guest accommodation coming soon that will offer clients from and visiting Cape Town (90min) from the farm an opportunity to get a way in the lovely valley nestled between Caledon and Hermanus in the Western Cape.


The third and fourth business is an electro muscular stimulation (EMS) business called Body20 situated in Paarl and Hermanus, this is the future of fitness, providing its clients with cutting edge technology to train in that in the 20min session not only saves clients valuable time but is equivalent to 4 hours intensive training in a conventional gym.


Over and above all Ronald is a published author, his memoir The Bitter Olive to show that we always have choices, no matter what the circumstances. His story, told simply, yet eloquently, emphasizes what the human spirit can overcome; that it is not what has happened to you that counts in the end, but what it is you do about it that matters.

“Africa’s insurance market is poised for rapid expansion with the second fastest growth

in the world after Latin America. It is growing nearly twice as fast as North America and over three times faster than Europe. With 7% year-on-year growth, the region even outpaces Asia.”  

- CEO, Africa Speciality Risks


RS Consulting and its associates have a combined 90 years of experience in financial services primarily gained in South Africa and Africa. We believe in the value of insurance and the significant impact it can have on the lives and livelihoods of its customers. With an insurance penetration outside of South Africa of less than 3%, we believe there are significant opportunities for the Insurance carriers that successfully crack the distribution code in the territories they operate in. At RS Consulting we are passionate about distribution as we see it as one of the key enablers to creating financial inclusion on the African Continent and vital for the sustainability and future growth of Insurers operating in the region. Our consultancy was formed to consult to Insurers, Banks and Retail companies wanting to distribute their insurance products and services in Africa.  


RS Consulting follows a holistic approach when consulting to our clients on the complexities of the distribution ecosystem. 

We suggest the following phased approach, namely:

The information gathering phase

This is where we get a detailed understanding from the client on the strategic direction of the company pertaining to its Africa strategy and what is expected from its distribution.

The deep dive phase

We interview and hold discussions with the in-country executives and management teams to get a deeper understanding of the strategy alignment, distribution pain points and opportunities.

The findings and recommendation phase

This is when we give feedback to our client on our analysis during the deep dive phase and make possible recommendations to consider.

The implementation phase

RS Consult provides in-country implementation assistance to ensure the successful implementation of the adopted strategies.



We provide actuarial consulting services on various aspects of life insurance product and sales management in Africa, including:

Product Design Elements and Features, relating to: client income levels / savings element designs / risk benefit structuring / post-retirement solutions / health solutions.

Product Profitability Criteria, including target profitability criteria / new business strain analysis / capital payback periods analysis.

Client Value Propositions, including value-for-money & target client benefit assessments.

Capital Requirements, including regulatory capital analysis & return on capital assessments.

Expense Advisory Services, including target unit costs & optimal filesize assessments.

Persistency analysis, including target persistency criteria / duration-based persistency analysis.

Asset Solutions, including asset strategies for savings business / asset strategies for products requiring asset-liability-matching.


We provide bespoke automation and IT solutions for our clients. Our commitment to innovation and cutting-edge technology enables us to offer tailored solutions that empower insurance companies to thrive in today’s digital age.

InsureMo - The World’s #1 Insurance. Infrastructure Platform enabling large insurance ecosystems.

NSure – cutting-edge microinsurance software platform meticulously crafted for African insurance markets, empowering financial resilience, expanding access to insurance services, and propelling sustainable economic development continent-wide.

SalesNexus – revolutionizes the insurance agent journey, offering a unified platform that streamlines the entire agent life cycle, empowering them for unparalleled sales performance.


RS Consulting provides the following additional Distribution services:

  1. Distribution leadership development and soft skills training.
  2. Omni-channel distribution design and implementation.
  3. Consultation services for group (employee benefits), retail (entry, mass and affluent), corporate, bancassurance and fiduciary business lines.
  4. Consultation services considering the various African territories our clients operate in and working with management teams to design and implement the most efficient distribution models required.

Ready to connect with RS Consulting? We welcome inquiries, partnerships, and conversations. Feel free to reach out to us through the following channels: