LEARNERSHIP IMPLEMENTATION GUIDE PART 1 · PDF fileLearnership Implementation Guide rPART 1 LEARNERSHIP IMPLEMENTATION GUIDE PART 1 CONTENTS Page Chapter 1 Introduction and Orientation

Learnership Implementation Guide

rPART 1

LEARNERSHIP IMPLEMENTATION GUIDEPART 1

CONTENTS Page

Chapter 1 Introduction and Orientation1.1 About this Guide 11.2 Background 11.3 Key Elements of Sector Learnership Strategy 1 - 21.4 Brief Legislative Background 3 - 51.5 What are Learnerships? 51.6 About the Learnership Process 61.7 Why do we need Learnerships? 61.8 The Benefits of Learnerships 61.9 The Importance of Learnerships 61.10 What is INSETA doing about Learnerships? 6 - 71.11 The link between Learnerships and INSETA’s ETQA 71.12 The link between a Skills Programme and a Learnership 81.13 Recognition of Prior Learning 81.14 Certification of Learnership Achievement 81.15 What are Cross-Sectoral Learnerships? 8

Chapter 2 Frequently Asked Questions 9 - 10

Chapter 3 Glossary of Terms 11 - 12

Chapter 4 Acronyms 13

Chapter 5 References 13

Chapter 6 Appendices1 Critical role-players 142 List of registered Learnerships as at 31 March 2003 153 The flow of learning from NQF Level 2 to 6 164 List of Accredited Providers of Training 17

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CHAPTER 1

Introduction and Orientation

1.1 About this GuideThis guide provides a set of practical guidelines to assist you in understanding, planning and implementingLearnerships. It provides background information on Learnerships as well as a systematic approach to preparing fornew Learnerships and implementing existing NQF Registered Learnerships.

1.1.2 Who should use this Guide?This guide has been designed to inform Employers, Learning Providers, Learners and any other interested personswho need to know about Learnerships in a workplace context.

Employers: Line Managers, Mentors, Coaches, Skills Development Facilitators, Training Managers, Recruitment andGeneral Human Resources Managers, Workplace Assessors, etc.Learning Providers: Public Institutions such as Technical Colleges or Universities, Private Organisations, In-HouseTraining Departments.Learners: Currently Employed, the Pre-Employed (Learners with no previous work experience) and the Unemployed(Learners who have worked before).

1.1.3 When and How to use this GuideWhile getting started: Use this guide at the beginning as you design and develop Learnership project plans. During ongoing implementation: Use this guide to assist you in ensuring successful progression by measures andchecklists at each phase and revision of, or realignment, to goals.Prior to completion: Use this guide to ensure that your organisation has complied with the regulations and standardsset by INSETA so as to limit the administrative lead times and to reduce any risk.

1.1.4 Features of this GuideThis guide offers a practical and systematic approach to understanding the Learnership structure and processesthrough the use of checklists, process diagrams and action steps. It provides a sense of structure and measure ofprogress as well as flexibility for you to customise your processes to your own context.

1.2 BackgroundIn March 2000 the Minister of Labour established twenty five Sector Education and Training Authorities (SETAs), whichcover every sector in the economy. SETAs have replaced the thirty three Industry Training Boards. The InsuranceSector Education and Training Authority (INSETA), was established as one of the twenty five SETAs.

INSETA represents the training and skills development interests of ten sub-sectors within the Insurance Sector. Theseinclude: short and long-term insurance, pension funding, risk management, unit trusts, healthcare benefits, funeralinsurance, reinsurance and financial intermediaries. One of the functions of INSETA is to implement Learnerships inthe Insurance Sector.

1.3 Key Elements of the Sector Learnership StrategyCurrent Key Sector Skills needs:

r Basic financial skillsr Communicationr Communication skills - verbal, written and presentationr Company-specific proceduresr Computer literacyr Customer care skillsr Information technologyr Leadershipr Managementr Marketing skillsr Product knowledger Risk managementr Sales skillsr Technical skillsr Technology-driven financial skills

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Demographic Employee Profile of the Sector - Sector Skills Plan 2002/3

Racial Breakdown:Race PercentageAfricans 24 %Coloureds 14 %Indians 09 %Whites 53 %

Gender and Racial Breakdown:Race Male FemaleAfricans 12 % 12 %Coloureds 05 % 09 %Indians 04 % 05 %Whites 20 % 33 %

The current demographics reflect an under-representation of employees from designated groups in the professionaland managerial levels. Designated groups of employees are defined as African people - both male and female, women- both African and white, and persons (of both genders and all races) with disabilities.

1.3.1 Factors influencing learning and Learnerships in the SectorThe Sector Skills Plan dated 2002/3 identified key factors, which will influence change in the various sub-sectors of theInsurance Sector. The broad categories include:

Policy and Legislative Factorsr Policyholder Protection Rules (PPR)r Financial Advisory and Intermediary Services Act (FAIS)r Long-Term Insurance Actr Corporate Governance (Fraud / Disclosure, S - Reference system)r National Skills Development Strategy / Employment Equity Act

Economic Factorsr Incentives and Trail Commission (linked to legislation)r Financial Security emanating from Corporate Governancer Market Volatility, Low Investor Confidence and Higher Interest Ratesr Financial Disintermediationr Mergers and Acquisitions (also related to regulatory policies)r Black Economic Empowerment, Affirmative Procurement and Employment Equity

Social and Socio-Economic Factorsr Changing customer needs (lifestyle evolution, increasing customer knowledge)r Using market segments to integrate marketing with social upliftmentr Customer churn (resulting from economic downswing, changing needs, etc)r Unemployment, poverty and crimer HIV / AIDS

Technological Factorsr E-Technology / E-Commercer Software programmes targeted at customised packages such as Brokernetr Telecentresr Computerised administrationr Using information communication technology (ICT) as a distribution model / mechanism

Environmental FactorsIncreased emphasis on environmental protection will influence further change in the sector.

Note: for the purposes of this guide, only the major elements have been noted. To obtain a detailed exposureto these elements, consult the SSP 2002/3 on INSETA's website: www.inseta.org.za

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1.4 Brief Legislative BackgroundLearnerships function within a designated legislative framework, and for a Learnership to be successful and recognisedas leading to a registered Qualification, the total process must comply with the relevant legislation. One of the mostimportant pieces of legislation is The South African Qualifications Authority (SAQA) Act No. 58 of 1995.

SAQA: is a body of 29 members appointed by the Ministers of Education and Labour. Members are nominated byidentified national stakeholders in education and training.

The functions of the Authority are essentially twofold:r To oversee the development of the NQF, by formulating and publishing policies and criteria for the:

- Registration of bodies responsible for establishing education and training Unit Standards or Qualifications. - Accreditation of bodies responsible for monitoring and auditing achievements in terms of such Unit Standards

and Qualifications.

r To oversee the implementation of the NQF by ensuring:- The registration, accreditation and assignment of functions to the bodies referred to above.- The registration of national Unit Standards and Qualifications on the framework. - That provisions for accreditation are complied with and where appropriate, that registered Unit Standards and

Qualifications are internationally comparable.

National Qualifications Framework (NQF):The NQF is a framework and it sets the boundaries. It is a set of principles and guidelines which provides a vision, aphilosophical base and an organisational structure for construction of a nationally recognised Qualifications system.Detailed development and implementation is carried out within the boundaries defined.

It is a national resource, representing a national effort aimed at integrating education and training into a unified structure of recognised Qualifications.

It is also a framework for the recording of Learner achievements. This makes it easier for Learners to enter the education and training system and to move and progress within it. It aims to open up opportunities by enablingLearners to develop to their full potential and thereby support the economic development of South Africa.

The underlying principles of the NQF are:(i) Integration(ii) Relevance(iii) Credibility(iv) Coherence (v) Flexibility (vi) Standards (vii) Legitimacy (viii) Access (ix) Recognition of Prior Learning

The NQF provides the framework for registering Qualifications at specific levels and developing learning pathsbetween them. The NQF has eight levels, which are divided into three bands:r The General Education and Training (GET) band r The Further Education and Training (FET) band r The Higher Education and Training (HET) band

What does the NQF look like?

NQF Level Band Qualification TypeHigher Education and Training Certificate

8 HETC Post-doctoral research degreesDoctorates

7 Masters degreesProfessional Qualifications

6 Honours degreesNational first degrees

5 Higher diplomas National diplomas National certificates

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NQF Level Band Qualification TypeFurther Education and Training Certificate

4 FETC National certificates

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General Education and Training Certificate

1 GETC Grade 9 | ABET Level 4 National certificates

Standards Generating Bodies - SGBs:SETAs do not set Unit Standards or provide education or training programmes but they support the NQF by support-ing the SGBs (Standards Generating Bodies). These are working groups which have been approved by the NationalSkills Authority (NSA) and which develop Unit Standards and Qualifications.

There are 12 NSBs (National Standards Bodies) in the NSA, which recommend Unit Standards and Qualifications, prepared by their respective SGBs, to SAQA for registration on the NQF.

The Insurance Sector has six representatives who serve on its SGB, the Financial Services Standard Generating Body(FS SGB).

QualificationsQualifications are combinations of learning outcomes (Unit Standards) and are made up of a number of credits, categorised as follows:National Certificate - Minimum of 120 creditsNational Diploma - Minimum of 240 creditsNational Degree - Minimum of 360 credits

A Qualification carries formal recognition (for example: a certificate, a diploma, a degree, etc) and is registered on alevel of the NQF. It consists of a meaningful combination of learning outcomes, planned for a particular purpose. AQualification consists of three curriculum categories:

· Fundamental · Core · Electives

Fundamental - means that part of the Qualification ensures that it contains the necessary knowledge and skills to pro-mote further learning. For example, language and numeracy will fall into this category. For the Insurance Qualificationsthis includes Financial Literacy Unit Standards. Fundamental Unit Standards are prescribed and can be considered ascompulsory learning.

Core - means that part of the Qualification contains the necessary knowledge and skills to ensure portability acrossrelated economic sectors. This contains compulsory learning in situations contextually relevant to the particularQualification.

Electives - means that part of the Qualification contains the more specialised knowledge and skills to ensure proficiency in a trade, profession or learning area. Elective Unit Standards give the Learners flexibility and choice within the scope of the chosen Qualification. Credits in electives are optional to each specialised field as required bythe organisation or designated individual Learner.

In addition to these three learning categories, Qualifications must also include seven Critical Cross-Field Outcomes,generic skills and knowledge, which are relevant to all fields of learning. Some examples of Critical Cross-FieldOutcomes are mentioned under the heading Outcomes Based Education and Training (OBET).

A Qualification's level on the NQF is guided by the Level Descriptors used in developing the Unit Standards which contain the learning outcomes. Level Descriptors indicate the level of learning in terms of applied competence at various levels of cognitive application, which involves Understanding, Demonstrating and Integrating. AppliedCompetence means the ability to put into practice in the relevant context the learning outcomes acquired in obtainingthe Qualification.

Unit StandardsUnit Standards are the smallest, independent parts of a Qualification and when put together in a combination can form

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a Qualification, which will prepare a Learner for a particular occupation. Each Unit Standard describes the skills, knowl-edge, values and attitudes used by a competent person to perform well over a long period of time. The description of Unit Standards must include:r A result of learning stated in one or more outcomes r Assessment criteria r Range statements

CreditsCredits are the positive values given to Unit Standards and Qualifications. They become a tool for comparing one UnitStandard with another as well as one Qualification with another. A credit value of a Unit Standard or Qualification isbased on the number of notional hours it takes an average Learner to achieve the outcomes of that Unit Standard. Onecredit is equal to ten notional hours of learning, which could be made up of formal and informal learning time. For aQualification to be registered on the NQF it needs at least 120 credits.

Outcomes Based Education & Training: OBET Our new education and training system is described as "outcomes-based" and this word is used to describe the mostsignificant change in the system - the focus is on what Learners have learnt and can apply in practice.

An outcome reflects what a person will know, understand and be able to do after successfully learning something.

There are two types of Outcomes:r Specific Outcomes and r Critical Cross-Field Outcomes

Specific Outcomes relate to a learning area and describe what the Learner must be able to know and do. Critical Cross-Field Outcomes are general skills and knowledge, which relate across all the learning fields.

There are seven Critical Cross-Field Outcomes. These are:1. Identify and solve problems 2. Work effectively with others 3. Organise and manage oneself and one's activities 4. Collect, analyse, organise and critically evaluate information 5. Communicate effectively 6. Use science and technology effectively and critically 7. Problem solve within an understanding of the world as a set of related systems.

A Unit Standard will not only incorporate Specific Outcomes, but will also incorporate some or all of the above CriticalCross-Field Outcomes.

1.5 What are Learnerships?Learnerships are similar to apprenticeships. In a Learnership Learners will spend time working under the guidance ofa skilled and experienced person and some time learning theory. Learnerships differ from apprenticeships in thatLearnerships will apply to all parts of the economy and are registered on the National Qualifications Framework. A per-son who successfully completes a Learnership will have a Qualification that signals occupational competence which isrecognised nationally.

With no history of an Industry Training Board or apprenticeships, the introduction of Learnerships is a new concept tothe Insurance Sector. Traditionally the Insurance Sector is renowned for providing quality training and investing in theskills of its Employees.

INSETA's responsibilities regarding Learnerships are to:

r Liaise with applicants on request to initiate potential new Learnerships r Encourage the design of new Learnership programmes r Recommend new Learnerships to the Department of Labour r Administer Learnership Grant Applicationsr Administer the Learnership Agreement between Employer, Learner and Training Provider r Assist in the identification of on-the-job and off-the-job education and training requirements r Promote Learnerships to all stakeholders r Monitor the implementation of Learnerships r Accredit the Training Providers that provide training for Learnershipsr Provide quality assurance of assessments to verify that competency has been achieved and that the Learnership

has therefore been successfully completedr Issue certificates to people who successfully complete Learnershipsr Update information on the NLRD (National Learner Record Database)

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1.6 About the Learnership ProcessImplementing Learnerships consists of two main processes:r Identification, development and registration of a new Learnership. r Placing of Learners on a Learnership.

See Part 2 and Part 3 of this guide for the above processes.

1.7 Why do we need Learnerships?· To create an on-going learning culture within the Sector· To address skills shortages in the Sector· It is a National Skills Development Strategic Objective· To enable Learners to receive nationally-recognised, Sector-focused Qualifications

1.8 The Benefits of LearnershipsFor the Employers

· Well-trained and skilled Employees · Increased productivity and profitability · Become a preferred Employer · Possible access to a Discretionary Grant· Tax incentives

For the Learners· Access to National Qualifications· Practical and theoretical learning · Recognition of Prior Learning (RPL) · Personal development · Enhanced self-esteem, career prospects and market value

For the Nation· A skilled workforce · Increased global competitiveness · Economic growth and development

1.9 The Importance of Learnerships r They focus on outcomes. The Learner must be able to practically use the skills that he/she has been taught.r They combine both theory and practice.r Learners are continuously assessed and this assessment is subject to moderation and external verification.r They will focus on the skills shortages identified in the Insurance Sector and the country's economy as a whole.r They lead to nationally recognised Qualifications.

1.10 What is INSETA doing about Learnerships?INSETA established a sub-committee of representatives from within the Insurance Sector, which was tasked to identi-fy and develop Learnerships for the Sector. A survey was conducted with all stakeholders in order to identify organi-sational details, current learning programmes and training and development needs.

This information was collated and used in conjunction with the Workplace Skills Plans and Annual Training Reportsthat were submitted to INSETA as well as INSETA's Sector Skills Plan. The results of this research identified the pos-sible skills gaps that may exist in the Sector in four to five years' time.

INSETA will support the development and implementation of all INSETA co-ordinated Learnerships by:r Helping to align Learnerships with skills needs identified in the Workplace Skills Plans and the Sector Skills Planr Assisting with management of Learnershipsr Accrediting Providersr Providing logistical support meetingsr Conducting capacity building by providing funded training in Assessment and OBET (Outcomes Based Education

and Training), as well as through information sharing workshopsr Considering Learnership Grants and subsidiesr Providing advice on claiming tax benefits r Undertaking research

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r Where a Learnership, which meets skills needs in the Insurance Sector, is being developed in another Sector byanother SETA and provides benefits to stakeholder organisations within the Insurance Sector, INSETA will support this development and will consider funding for its stakeholders entering such cross-sectoral Learnerships.

INSETA has registered various Learnerships to address the skills shortage identified in the Sector See Section 6Appendix 2 for the list of registered Learnerships.

1.11 The link between Learnerships and INSETA's ETQAINSETA's Education and Training Quality Assurance body (ETQA) is referred to as INSQA, the Insurance SectorQuality Authority.r An Assessor registered with INSQA will assess the Learner against Insurance Unit Standards. r The Learning Provider (internal or external) will be accredited by INSQA, the Insurance Sector's ETQA, or any

other ETQA. r The Learner's achievements will be recorded on the National Learners Record Database by INSQA.

Notes on Quality Assurancer Quality Assurance is the process whereby all the planned activities within a quality management system assure

that everyone involved in the education and training process maintains and improves on quality. Quality assurance processes give Providers and Learners confidence that the training is meeting the required standards. It is a function of the Education and Training Quality Assurance bodies (ETQAs) to accredit Providers, evaluate programmes and facilitate assessments, moderation and certification.

r Within a Learnership there are Providers of the structured theoretical learning element as well as Workplace Providers of structured workplace experience and learning. These Providers must be accredited or be in the process of applying for accreditation with a relevant ETQA (see Section 6 Appendix 4 for a list of current INSETA accredited Providers). The ETQA has an important role in assisting the development of quality learning within Learnerships.

The processes include:r Provider Accreditation: The INSETA ETQA was accredited on the 1st of September 2001 by SAQA, to provide ETQA

functions for all Insurance Sector Unit Standards and Qualifications registered with SAQA. This Authority, INSQA, is responsible for the accreditation of Providers of learning in the Sector in accordance with laid down regulations.

r Quality Assurance of Learner Achievements: Quality Assurance of Learner Achievements means checking whether Learners have actually met outcomes in Unit Standards that they claim to have achieved. This means that assessment and moderation play a crucial role in the Quality Assurance system.

r Assessment is the process in which evidence of competence is gathered and evaluated against agreed criteria.r Moderation is the process that ensures that assessment of the outcomes described in the National

Qualification Framework Unit Standards or Qualifications, is fair, valid and reliable.r External Moderation means a process managed by the ETQA for externally checking moderation processes and

confirming or overturning moderation findings.

Registration of Assessors In order to ensure that individuals who conduct assessment have the necessary competencies and Qualifications, allAssessors must be registered. INSETA supports the development and training of Assessors within the Sector throughfunding of training projects. Assessors must also demonstrate competence at assessing in the context of their field ofexpertise.

Recognition of Prior Learning (RPL)The ETQA will provide guidelines and criteria to Providers on how to develop RPL systems and procedures. The building up of reliable RPL systems, in all Learnerships, is seen by INSETA as an important means of achievingredress. It enables a Provider and Employer to recognise competence acquired through experience. INSETA hasdeveloped a model and will work with Employers and Providers to make RPL accessible throughout the Sector.

The Flow of learning from NQF Level 2 to 6An indication of the flow of learning in the Insurance Sector from NQF Level 2 to NQF Level 6 is represented in thediagram in Section 6 Appendix 3.

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1.12 The link between a Skills Programme and a LearnershipA Skills Programme is a learning programme aligned to a Unit Standard or a cluster of Unit Standards. An importantdistinguishing factor and requirement for a Skills Programme is that the learning must be sufficient to enable theLearner to generate income. Upon completion, a Skills Programme will not result in a Qualification, but clusters of SkillsProgrammes may lead to a Learnership, which is based on a Qualification.

1.13 Recognition of Prior LearningRecognition of Prior Learning (RPL) in South Africa is critical to the development of an equitable education and train-ing system. An RPL policy should meet the needs of all role players including ETQAs, Providers, SETA Constituentsand most importantly, the beneficiaries of the process, the Learners.

RPL is defined in the National Standards Body's regulations as: "the comparison of the previous learning and experi-ence of a Learner howsoever obtained against the learning outcomes required for a specific Qualification, and theacceptance for the purpose of Qualification of that which meets the requirements".

RPL is about:r Identifying what the candidate (person who is claiming credits against a Unit Standard or Qualification) knows and

can do.r Matching the candidate's skills, knowledge and experience to specific Unit Standards and the associated

assessment criteria of a Qualification.r Assessing the candidate against those Unit Standards.r Crediting the candidate for skills, knowledge and experience built up through formal, informal and non-formal

learning that occurred in the past.

INSETA is currently developing an appropriate RPL process and guidelines for Recognition of Prior Learning in theindustry.

1.14 Certification of Learnership AchievementINSETA's Education & Training Quality Authority (INSQA) is responsible for certification of Learners once they havesuccessfully completed an Insurance Sector specific Learnership. If the Learnership were a cross-sectoral one, certification would be the responsibility of the appropriate ETQA. Such cross-sectoral certification is guided byMemoranda of Understanding between SETAs.

Typically the certificate will include the SAQA, the SETA and Training Provider logos. Should a Learner not achieve thefull set of Unit Standards for an entire Qualification in the Learnership, a statement of credits will be issued to theLearner for the Unit Standards achieved. This would also apply to Skills Programmes.

INSQA is responsible for forwarding information through to the National Learner Record Database (NLRD).

1.15 What are Cross-Sectoral Learnerships?Cross-Sectoral Learnerships will follow similar processes to those of Insurance Sector Learnerships but address theaspects of a stakeholder's business environment that are non-core, for example, Accounting, Human Resources,Marketing or Information Technology. INSETA supports cross-sectoral Learnerships for its stakeholders.

Should funding be required for a cross-sectoral Learnership INSETA will insist that the curriculum contains at least oneInsurance Sector-related Unit Standard as an Elective before the Grant application is considered.

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CHAPTER 2

Frequently Asked Questions

1. How do existing training courses and education programmes differ from Learnerships?In the past, training courses and education programmes did not have any practical work experience focus. They were also,in most cases, not designed using Outcomes-Based Education and Training methodology, which is a requirement of theNational Qualifications Framework. Many training courses and education programmes have not yet been aligned to theabove requirements.

Learnerships will be directly linked to specific Unit Standards that have been registered and recognised by the SouthAfrican Qualifications Authority (SAQA). These standards indicate the outcomes that the learning should deliver and thatLearners are expected to have achieved at the end of the learning process. Most importantly, a Learnership will be of a contractual nature, which will be in the form of a Learnership Agreement. ThisAgreement will have to be signed by the three parties involved, which are the Learner, Learning Provider and Employer.Rights and obligations for each of the parties concerned will be dealt with in Part 3.

The Learnership will be registered by the Department of Labour (DoL) and the Learnership Agreement will be formally reg-istered with INSETA, unlike existing training courses and education programmes. For a comprehensive discussion onLearnership Agreements see Part 3 and Section 7 of Annexure 2.5 in Part 3.

Training courses and education programmes that have in their structure the practical work experience component and thatmay be linked to Unit Standards and Qualifications on the National Qualifications Framework (NQF), will be re-evaluatedby INSETA once the Training Providers of such courses and programmes have repackaged / converted materials to meetthe requirements stipulated by the NQF and Department of Labour. Only then will the training course or education pro-gramme be considered by INSETA for registration as a Learnership.

2. What is a Skills Programme?A Skills Programme consists of a Unit Standard or a cluster of Unit Standards that is large enough for the outcome to allowthe Learner to earn an income. This cluster of Unit Standards, when put together, makes sense for income generation. ASkills Programme, upon completion, will not result in a Qualification, but various skills programmes, properly planned may,lead to a Qualification. A Learnership has an agreed fixed structure so Skills Programmes completed individually at vari-ous times will not generally lead to a Learnership.

For example, being able to capture claims data is an important skill but it also does not require a full Claims AssessorQualification for a person to be employable in a variety of clerical occupations required around claims processing.

Skills Programmes allow for skills to be acquired that provide immediate access to income generation.

3. How do Learnerships differ from Skills Programmes?Skills Programmes are smaller in size than Learnerships. With a Skills Programme, Learners can learn a specificamount of work skills by grouping clusters of Unit Standards instead of having to complete an entire Qualification as inthe case of a Learnership.

The exit points of Skills Programmes are in most instances prescribed by the needs of the Learners. Very simply, a Learnerwould be able to choose those Unit Standards of a Learnership that make sense to him/her whilst gradually developing aQualification.

4. Can a Learner combine a few Skills Programmes and call that a Learnership?In most instances, probably not. The reason for this is that a Learnership is planned prior to being implemented. TheLearnership structure has a planned programme of activities, which takes place over a period of time. This learning consistsof facilitated learning interventions together with practical occasions to apply what has been learned, in a real working sur-rounding.

Learnerships encompass all Unit Standards leading to a Qualification in a fixed period, agreed by a contract. The combi-nation of Skills Programmes does not usually result in a Learnership but does not exclude the possibility of a Qualificationobtained at the Learner's own pace.

5. What value is there for companies to get involved in Learnerships?Learnerships can be used to the advantage of companies. Learnerships will be designed to provide skilled people atvarious levels within companies with an understanding of modern-day business processes. Learnerships will not onlybe implemented for lower entry-level Employees but at most levels within organisations, thus enhancing the knowledgeand skills of Employees in identified areas and increasing company productivity.

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In addition Employers could apply for Discretionary Grants if they provide training that culminates in Qualifications registered on the National Qualifications Framework (NQF). These Grants will be linked to the actual cost of trainingand not linked to levy payments. It will be possible in some instances for Employers to get back more in the form ofthese Grants than what has been paid in levies if the Employer assists Learners to complete Learnerships.

6. Will a Learner have to go through a full Learnership if the Learner already knows some of the content?No. The Learnership will take into account a Learner's previous learning as well as relevant experience. This conceptis referred to as Recognition of Prior Learning (RPL). A system for recognising as well as accrediting this prior learn-ing will be in place in a Learnership.

7. What is the duration of a Learnership?Learnerships should be twelve months or longer. If the candidate can be recognised for prior learning through the RPLmechanism, the duration of the Learnership for that particular candidate can be reduced. It would be possible for the Learnerto exit the Learnership earlier provided he/she successfully meets the outcomes of all the other outstanding Unit Standards.

8. Is it possible for a Learner to receive a certificate of attendance at the end of a Learnership?No. In the past candidates who attended short courses, in most instances, were issued with a certificate of attendanceat the end of the course since no assessment or measure of knowledge/skill acquired was in place. With a Learnershipon the other hand, the outcome of the learning will be competence, which will be assessed and accredited if success-ful. This successful learning will lead to a Qualification at national level.

9. Does the Learner have to do practical work experience in order to gain a Learnership Qualification?Yes. A shortcoming of the past is that most learning interventions failed to link theory with practice and has left mostLearners with the feeling of incompetence and the lack of a skill when returning to real work environments.Learnerships are intended to overcome the gap between theoretical learning and practical learning.

Learnerships provide a system for the combination of structured facilitated learning and practical experiences in a busi-ness environment. The aim of the Learnership is to enable Learners from this system to obtain Qualifications, whichare relevant to the working environment.

10. Can any Learning Provider conduct a Learnership?Yes, provided they have the capacity and are accredited as Learning Providers. If the capacity does not exist, forinstance where a Provider is small, the Provider can unite or form alliances with other Providers in order to build capac-ity and meet accreditation criteria. In this instance a Lead Provider will have to be identified.

11. Are the unemployed the only people who can participate in a Learnership?No. The Act makes no mention of unemployed people being the only Learners able to participate in a Learnership.Inequalities in the past have left a deficit in education and training amongst most groups especially the designatedgroups. In most instances Learnerships will have to play a redress function for existing Employees.

12. Is there a guarantee of employment at the end of the Learnership for those Learners that were unemployed before the Learnership commenced?No. At the successful completion of a Learnership, the Employer that has provided the workplace experience is underNO obligation to employ the graduate. This condition will be stipulated in the Employment Contract. It is therefore vitalthat options for preparing Learners for self-employment must always be considered in the design of Learnerships.

Learnerships are intended to provide portability and will develop Learners as far as possible in ways which promoteemployability across occupational fields or workplace contexts.

13. Where is a Learnership registered? Who can register a Learnership?A Learnership is registered by the Department of Labour (DoL). A SETA is the only entity that can submit a Learnershipto DoL for registration provided that a need for a particular Learnership has been identified and does exist. Also theQualification and the relevant Unit Standards must be registered with the South African Qualifications Authority (SAQA)or must have been submitted to this body for registration for a Learnership to be registered.

14. How are Providers who deliver Learnerships accredited? Providers of training in Learnership projects will have to meet the requirements for accreditation outlined by the SouthAfrican Qualifications Authority (SAQA) and implemented by INSETA's Education and Training Quality Assurance body(INSQA). These requirements will ensure that Providers have the competence to plan, deliver and manage theprocesses for the successful completion of the Learnership.

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CHAPTER 3

Glossary of Terms

TERM

Learnership Co-ordinator

Accreditation

Assessment

Assessor

Auditor

Chamber

Corrective Action

Constituent

Customer

ETQA

Learner

Learnership

Moderating body

Moderation

Multi-purpose providers

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DESCRIPTION

The designated individual who co-ordinates all the Learnership activities withinthe organisation and with the relevant SETA and is responsible for developinga Learnership Implementation Plan and for bringing the Learnership to suc-cessful completion.

The certification, usually for a particular period of time, of a person, a body oran institution as having the capacity to fulfill a particular function in the qualityassurance system set up by the SAQA in terms of the SAQA Act No. 58 of 1995.(ETQA Regulations, No. R. 1127 of 1998). A general meaning is: The processby which an authority gives formal recognition to a body acknowledging that itis competent to carry out specified activities in accordance with appropriate reg-ulations, criteria and guidelines.

The process of collecting evidence to measure the achievement of specifiedNQF Unit Standards or Qualifications. A general meaning is: A process of mak-ing judgements about a person's ability to apply knowledge and skills.

"Assessor" means a person who is registered by the relevant ETQA in accor-dance with the criteria established for this purpose to measure the achievementof specified NQF Unit Standards or Qualifications. (ETQA Regulations, No. R.1127 of 1998).

A person or body qualified to perform audits.

A chamber is a sub-structure which performs the function of the SETA as del-egated to it in terms of the constitution of the SETA. (Skills Development Act,No. 97 of 1998).

An action taken by an accredited body to correct an irregularity or failure to comply with specified accreditation requirements.

"Constituent" means belonging to the defined or delegated constituency of anorganisation or body referred to in these regulations (ETQA Regulations, No.R.1127 of 1998).

Recipient of a product or service.

An Education and Training Quality Assurance body means a body accredited interms of sections 5 (1) (a) (ii) of the SAQA Act (No. 58 of 1995) responsible formonitoring and auditing achievements in terms of National Unit Standards orQualifications and to which specific functions relating to the registration ofNational Unit Standards or Qualifications have been assigned in terms of section 5 (1) (b) (I) of the SAQA Act. No. 58 of 1995.

The person who is party to a Learnership Agreement with an employer or groupof employers, and a training provider or a group of training providers.

Consists of a structured Learning component and practical work experience ofa specified nature and duration, and culminates in a qualification registered withSAQA.

"Moderating body" means a body specifically appointed by the Authority for thepurpose of moderation.

Moderation means the process which ensures that assessment of the outcomesdescribed in the NQF Unit Standards or Qualifications is fair, valid and reliable.(ETQA Regulations, No. R. 1127 of 1998).

Multi-purpose Providers offer formative education and training across a spectrum of learning pathways.

12


rPART 1

TERM

NSA

Procedure

Process

Provider

Primary focus

Quality Assurance

Quality Audit

Quality Plan

Quality Policy

Quality Management System

Records

SAQA

SETA

Single-Purpose Provider

Stakeholder

Skills

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DESCRIPTION

The National Skills Authority established in terms of section 4 of the SkillsDevelopment Act No. 97 of 1998.

A formal or official way or order of doing something.

A series of actions or tasks performed in order to make or perform something.

Provider means a body which delivers learning programmes which culminate inspecified NQF Unit Standards or Qualifications and manages the assessmentthereof. (ETQA Regulations, No. R.1127 of 1998). A general meaning is: Anybody or organisation which provides education or training or workplace experience, such as schools, colleges, technikons, universities, workplacetraining centres, private Learning Providers, Employers/Workplaces.

The activity or objective within the Sector upon which an organisation or bodyconcentrates its efforts.

Quality Assurance means the process of ensuring that the required degree ofexcellence is achieved. A general meaning is: The process of checking that theperformance of the whole education and training system including the develop-ment of the practitioners, the quality of the training, etc meets SAQA standards.

"Quality Audit" means the process of examining the indicators which show thedegree of excellence achieved. A general meaning is: A formal and systematicprocess undertaken to verify whether the requirements of a QualityManagement System (QMS) have been fulfilled.

A Quality Plan is a document which describes the activities to achieve the objec-tives, targets and quality requirements of an organisation. Sometimes alsoreferred to as the organisation's Quality Manual.

A Quality Policy is a document which defines the intentions and directions of anorganisation regarding its approach to the quality of its own services andprocesses.

"Quality Management System" means the combination of processes used toensure that the degree of excellence specified is achieved. (ETQA Regulations.No. R.1127 of 1998). A general meaning is: A procedure which establisheswhether the policies and objectives for ensuring quality in an organisation arefulfilled.

Documents which provide systematic and objective evidence.

"SAQA" means the South African Qualifications Authority, established by sec-tion 3 of the SAQA Act No.58 of 1995.

"SETA" means a Sector Education and Training Authority established in termsof section (a) (i) of the Skills Development Act (No 97 of 1998).

Single-Purpose Providers offer education and training within a specific or particular pathway.

Refers to a person or a group who have an interest in the activities of an organisation/project.

Skills are the development of the necessary competencies which can be expertly applied in a particular context for a defined purpose. Skills developmentshould result in skilled performance such as is traditionally associated with thework of "skilled Craft Workers", "skilled Managers" and "skilled Professionals".(Green Paper Skills Development Strategy for Economic and EmploymentGrowth in South Africa, 1997).

13


rPART 1

CHAPTER 4Acronyms

1. ABET Adult Basic Education and Training

2. ATR Annual Training Report

3. DG Director General

4. ETQA Education and Training Quality Authority

5. FET Further Education and Training

6. GET General Education and Training

7. HET Higher Education and Training

8. INSETA Insurance Sector Education and Training Authority

9. INSQA Insurance Sector Quality Authority

10. NQF National Qualifications Framework

11. NSB National Standards Body

12. OBET Outcomes Based Education and Training

13. QA Quality Assurance

14. QMS Quality Management System

15. RPL Recognition of Prior Learning

16. SAQA South African Qualifications Authority

17. SDF Skills Development Facilitator

18. SETA Sector Education and Training Authority

19. SGB Standards Generating Body

20. SMME Small, Medium and Micro Enterprises

21. SSP Sector Skills Plan

22. WSP Workplace Skills Plan

CHAPTER 5References

ETQA Accreditation dated 1 September 2001

INSETA Learnership Handbook published in 2002

Learnerships published material from W & R Seta, ETDP Seta and BankSeta

Sector Skills Plan 2001/2

Sector Skills Plan 2002/3

Stakeholder Contributions: Mrs J. Hobson - Momentum; Mrs M. Chandler - Discovery

Skills Development Act No. 97 of 1998

South African Qualifications Authority Act No. 58 of 1995

Taxation Laws Amendment Act, No. 30 of 2002

Learnership Regulations (Gazette No. 7043 of 3rd April 2001)

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14


rPART 1

CHAPTER 6APPENDICES

APPENDIX 1: Critical role-players

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Type of Role Player

Department of Labour (DoL)

Department of Education (DoE)

The South Africa Qualification Authority (SAQA)

National Skills Authority (NSA)

Organised Labour

Stakeholder Forums

Learning Providers

Employers

Learners

Description

The Department of Labour developed the regulations that govern the registra-tion of Learnerships. The Department of Labour evaluates and registersLearnerships. They have the legal authority to develop either regulations orguidelines in respect of Learnerships.

The Department of Education is a partner with the Department of Labour in skillsdevelopment legislation.

SAQA registers Unit Standards and Qualifications. Because a Learnershipmust lead to a Qualification and should link to Unit Standards, the developmentof Learnerships usually entails working with SAQA structures: NSBs and SGBs(National Standards Bodies and Standards Generating Bodies). SAQA accred-its ETQAs (Education and Training Quality Assurance bodies). The SGBs rec-ommend new or changes to Unit Standards or Qualifications to the NSBs.

The NSA is a stakeholder body established in accordance with the SkillsDevelopment Act to lead the process of skills development in the country. TheNSA advises the Minister on regulations, including those for Learnerships andfunding. The National Skills Development Strategy and its success indicatorsand targets are agreed by the NSA. SETAs are required to strive to achievethese targets.

Learnerships are about training Employees. As such, Unions have an importantrole to play, both in the conceptualisation of programmes and in monitoring theirimplementation. Learners on a Learnership are Employees and entitled to beUnion members. Unions must play a role in protecting their interests.

For Learnerships to be successful, they should have the support of all stake-holders. Stakeholder forums are important vehicles for discussing proposalsand getting input from a range of different stakeholders.

A Learning Provider is a body that delivers learning programmes culminating ina specified NQF Unit Standard or Qualification and manages the assessmentthereof. Providers design and deliver learning programmes and produce OBE(Outcomes Based Education) learning materials that align to NQF principles.They ensure that the structured learning is integrated with the structured work-place component of Learnerships. If they deliver training as well as conductassessments, they must have approved assessment systems and processesaccepted by the ETQA.

Employers employ the Learners and ensure that while they are working they arealso learning about the job. They must ensure that the learning that is happen-ing on the job is integrated with the structured learning. They are theLearnership managers, they play a role in assessing the Learners, they identifyand train Assessors and Mentors and ensure that Learnerships are brought tosuccessful completion.

Learners work for Employers and participate in on-the-job training organised bythe Employer. They also learn through the Provider. Learners may be employedand maintain their existing contracts of employment, or be previously unem-ployed where a contract based on the Basic Conditions of Employment Actdetermination of 15 June 2001 must be signed. Learners are recruited forLearnerships by the Employer. INSETA has agreed criteria for evaluation of pro-posed Learnerships including the need to achieve equity targets, to develop theunemployed and ensure that recruitment and selection processes are fair andopen.

15


rPART 1

APPENDIX 2: List of Registered Learnerships as at 31 March 2003 LIST OF REGISTERED LEARNERSHIPS

Title of Learnership Qualification it leads to NQF Level DoL Registration Number

Junior Administrator National Certificate: 2 13Q130001341602Insurance Administration

Insurance Administrator National Certificate: Insurance 3 13Q130002441603

Healthcare Benefits National Certificate in 4 13Q130003431604Administration Claims Healthcare Benefits Assessor Administration: Claims Assessing

Unit Trust Investment National Certificate in Unit 4 13Q130004401604Trust Investment

Retirement Fund National Certificate: 4 13Q130014651204Administrator Long Term Insurance

Long Term Insurance National Certificate: 4 13Q130008681204/Investment Product Long Term InsuranceDeveloper

Long Term Insurance/ National Certificate: 4 13Q130012681204Investment Call Centre Long Term Insurance Operator

Long Term Insurance/ National Certificate: 4 13Q130009681204Investment Administrator Long Term Insurance

Long Term Underwriter National Certificate in Insurance: 4 13Q130011451204Long Term: Risk Assessment

Long Term Claims National Certificate in Insurance: 4 13Q130005501204Assessor Long Term: Risk Assessment

Short Term Insurance: National Certificate: 4 13Q000016431204Personal / Domestic Short Term InsuranceClaims Negotiator

Short Term Insurance: National Certificate: 4 13Q000018431204Personal /Domestic Short Term InsuranceUnderwriter

Short Term Insurance: National Certificate: 4 13Q000017421204Personal / Domestic Short Term Insurance

Call Centre Operator

Short Term Insurance: National Certificate: 4 13Q000015421204Commercial / Industrial Short Term InsuranceUnderwriter

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16


rPART 1

APPENDIX 3: The Flow of learning from NQF Level 2 to 6

The Flow of learning from NQF Level 2 to 6The flow of learning in the Insurance Sector from NQF level 2 into NQF level 6 looks something like this:

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NQ

F - L

evel

2N

QF

- Lev

el 3

NQ

F - L

evel

4N

QF

- Lev

el 5

NQ

F - L

evel

6

GET

FET

HET

Placement CriteriaRPL for placement against

Fundamental Unit Standards- Communications

- Mathematical Literacy- Financial Literacy

Exit PointAfter Achieving a minimum of

120 Credits

NQF 5National Certificate in

Financial Services(Quality Assured by

Relevant ETQA)

NQF 6National Diploma inFinancial Services

(Quality Assured byRelevant ETQA)

NQF 1

No

Yes

NQF 3

NQF 2

NQF 2

NQF 4

NQF 3



- Mathematical Literacy - Financial Literacy

A person enteringthe Insurance

Sector learningpathway with

Grade 12 (FETC)Exit Point

A person enteringthe Insurance

Sector learningpathway with

Grade 9 (GETC)Exit Point

Relevant HETQualification



- Mathematical Literacyachieved at NQF 1?


InsuranceAdministration

(Quality Assured byINSQA)


Insurance (QualityAssured by INSQA)

RPL ofFundamentals

Achieved for?

NQF 4National Certificate(Quality Assured by

INSQA)

RPL ofFundamentals

Achieved for?

ContinuestowardsDiploma

?

17


rPART 1

Version 6.0 7/04/2003

APPENDIX 4: List of Accredited Providers of Training as at 31 March 2003LIST OF ACCREDITED PROVIDERS

NAME OF COMPANY ACCREDITATION DATE OF DATE OFNUMBER ACCREDITATION EXPIRY

r Santam Limited 130001 18 March 2003 31 March 2008

r Investment Solutions Limited 130009 18 March 2003 31 March 2008

r Old Mutual PLC 130004 18 March 2003 31 March 2008

r NBC Holdings (Pty) Limited 130011 18 March 2003 31 March 2008

r African Life Assurance 130003 18 March 2003 31 March 2008

r Andy Reinecke and Associates cc 130005 18 March 2003 31 March 2008

r Diagonal Insurance Academy 130010 18 March 2003 31 March 2008

r RMB Asset Management (Pty) Limited 130006 18 March 2003 31 March 2008

r Eternity Private Health 130022 18 March 2003 31 March 2008

r College of Insurance 130023 18 March 2003 31 March 2008

r InvestmentWise 130018 18 March 2003 31 March 2008

r John Patch & Associates cc 130008 18 March 2003 31 March 2008

r First Link Insurance Brokers (Pty) Limited 130017 18 March 2003 31 March 2008

r Clientèle Life 130012 18 March 2003 31 March 2008

r Medscheme (Pty) Limited 130007 18 March 2003 31 March 2008

r Discovery 130002 18 March 2003 31 March 2008

r Metal Industries Benefit Funds Administrators 130021 18 March 2003 31 March 2008

r Liberty Group Limited 130013 18 March 2003 31 March 2008

r Regent Life Assurance Company Limited 130014 18 March 2003 31 March 2008

r Prestasi Brokers (Pty) Limited 130015 18 March 2003 31 March 2008

r Mutual & Federal Insurance Company Limited 130024 18 March 2003 31 March 2008

r Sage Life Limited 130026 18 March 2003 31 March 2008

r Hannover Reinsurance Group Africa Limited 130020 18 March 2003 31 March 2008

r Sigma Health Fund Managers (Pty) Limited 130016 18 March 2003 31 March 2008

r INHLE Business Solutions 130019 18 March 2003 31 March 2008

r Sanlam Limited 130025 18 March 2003 31 March 2008

r The Hollard Insurance Group Limited 130027 18 March 2003 31 March 2008

r Momentum Group 130028 18 March 2003 31 March 2008


rPART 2


CONTENTS Page

Chapter 1 Identifying, Developing and Registering a New Learnership

1.1 Identifying the Learnership need - Step 1 11.2 Proposal and Evaluation of 2

a New Learnership - Step 21.3 Submission and Registration of 3

a New Learnership - Step 3

Chapter 2 Appendices

1. New Learnership Application Evaluation Criteria2. Learnership Regulations

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1


rPART 2

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CHAPTER 1

Identifying, Developing and Registering a New Learnership The process of establishing a Learnership through INSETA has 3 steps. The end of this process will culminate in INSETA submitting a Learnership application to the Director General (DG) of the Department of Labour for registration.

1.1 Identifying the Learnership Need - STEP 1

The need for the Learnership must be identified. This is established by the stakeholders as part of the initial concep-tualisation as well as by INSETA's research carried out in the Sub-Sector, the Sector Skills Plan, the Workplace SkillsPlans and through stakeholder processes such as focus groups.

A process of stakeholder consultation and endorsement is required to obtain agreement.

The Qualification and its Level should be identified and agreed upon.

Note: It is essential that the Learnership outcomes are identified, even if the Qualification is not fully developed andregistered by SAQA. The finalisation of the Qualification may be part of the Learnership business planning process.

STEP

1: I

dent

ifyin

g th

e Le

arne

rshi

p Ne

ed

Iden

tify

the

Lear

ners

hip

Need

Regi

ster

ed L

earn

ersh

ip/s

Iden

tifie

d:Pr

ocee

d to

STE

P 1

in P

ART

3Se

ctio

n1, f

low

proc

ess

for p

lacin

g a

Lear

ner o

n a

Regi

ster

ed L

earn

ersh

ip

New

Lear

ners

hip/

s Id

entif

ied

To b

e de

signe

d: P

roce

ed to

STE

P 2,

which

follo

ws in

this

flow

proc

ess

No

Yes

Need

Iden

tifie

d fo

r Occ

upat

ion

Spec

ific T

rain

ing

orSk

ills D

evel

opm

ent a

s pa

rt of

the

orga

nisa

tion’

sSt

rate

gic/

Busin

ess

Plan

s an

d Su

cces

sion

Plan

ning

Perfo

rman

ce M

anag

emen

t Sys

tem

use

d to

Iden

tify

Indi

vidua

l dev

elop

men

t nee

ds in

rela

tion

toPe

rform

ance

and

in re

latio

n to

Lea

rner

’s ow

n in

tere

st in

a s

elec

ted

care

er p

ath

Need

s of

the

Org

anisa

tion

iden

tifie

d in

the

Wor

kpla

ceSk

ills P

lan

Org

anisa

tion’

s Co

mm

itmen

ts p

er th

e Em

ploy

men

tEq

uity

Pla

n

Busi

ness

Stra

tegy

Perfo

rman

ceM

anag

emen

t

Wor

kpla

ce

Skill

s Pl

an

Equi

tyPl

an

SELE

CT T

HE A

PPRO

PRIA

TELE

ARNE

RSHI

PUs

e id

entif

ied

Skills

Gap

s to

Sel

ect

Appr

opria

te L

earn

ersh

ip/s

from

thos

e al

read

y Re

gist

ered

and

/or t

oDe

sign

New

Lear

ners

hip/

s

Is th

ere

a re

gist

ered

Lear

ners

hip

?

2


rPART 2

1.2 Proposal and Evaluation of a New Learnership - STEP 2

INSETA has developed a format for a Learnership proposal and stakeholders will be required to use this documentwhen proposing a new Learnership (see New Learnership Application Evaluation Criteria, contained in Section 2,Appendix 2a of this PART)

This enables INSETA to assess the proposal and determine whether it can be approved for further development orwhether it can be integrated into an existing Learnership project.

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STEP

2: P

ropo

sal &

Eva

luat

ion

of a

New

Lea

rner

ship

Con

tact

INSE

TA E

duca

tion

&Tr

aini

ng Q

uality

Aut

horit

y M

anag

erto

dev

elop

Uni

t Sta

ndar

ds &

pa

ckag

e in

to a

Qua

lifica

tion

NQ

FQ

ualif

icat

ion

Exis

t?Ye

s

Yes

Yes

Sele

ct A

ppro

pria

te N

QF

Reg

iste

red

Qua

lifica

tion

that

the

Lear

ners

hip

mus

t lea

d to

No

No

No

Appl

ican

t mee

ts w

ith IN

SETA

to c

ompl

ete

aLe

arne

rshi

p R

egis

tratio

n Fo

rm

Proc

eed

to S

TEP

3, w

hich

follo

ws

in th

is fl

ow p

roce

ss

Lear

ners

hip

co-o

rdin

ator

con

sults

with

Lea

rner

s,Tr

aine

rs, L

ine

Man

ager

s

Doe

s pr

opos

edLe

arne

rshi

pAp

plic

atio

nm

eet D

oLre

quire

men

ts?

INSE

TA te

st p

ropo

sed

Lear

ners

hip

appl

icat

ion

agai

nst D

oL re

quire

men

tsfo

r reg

istra

tion

Rew

ork

with

guid

ance

from

INSE

TA

Doe

s pr

opos

edLe

arne

rshi

pm

eet e

valu

atio

nC

riter

ia &

SS

P?

Rew

ork

with

guid

ance

from

INSE

TA

Che

ck N

ew L

earn

ersh

ip d

esig

nag

ains

t Eva

luat

ion

Crit

eria

Doc

umen

tfro

m IN

SETA

Acce

ss N

ew L

earn

ersh

ip A

pplic

atio

nEv

alua

tion

Crit

eria

Doc

umen

t fro

mIN

SETA

Iden

tify

appr

opria

te U

nit S

tand

ards

topo

pula

te th

e Le

arne

rshi

p to

ens

ure

fitfo

r pur

pose

for f

ield

of w

ork

and

num

ber o

f cre

dits

3


rPART 2

1.3 Submission and Registration of a New Learnership - STEP 3

r INSETA is responsible for registration of Learnerships that fall within its primary focus, the Insurance Sector. INSETA plays a supportive role in partnership with other SETAs for cross-sectoral Learnerships essential to its stakeholders' organisations.

r For a Learnership to be officially recognised it must be registered by the Department of Labour (DoL). Only a SETAcan submit a Learnership to DoL for registration. Therefore INSETA must submit registration requests for all Learnerships leading to an Insurance Sector Qualification.

r Once the new Learnership has been registered by DoL, the Employer organisation may proceed to theimplementation stage, which is dealt with in Part 3.

Version 6.0 7/04/2003

STEP

3: S

ubm

issi

on &

Reg

istr

atio

n of

a N

ew L

earn

ersh

ip

Aban

don

Proj

ect

Yes

No

Org

anis

atio

n pr

ocee

ds to

STE

P 1

inPA

RT

3, S

ectio

n 1,

flow

pro

cess

for

Plac

ing

a Le

arne

r on

a R

egis

tere

dLe

arne

rshi

p

INSE

TA in

form

sO

rgan

isat

ion

ofR

egis

tratio

n by

DoL

No

Yes

Rew

ork

with

G

uide

lines

INSE

TA s

ubm

its

appl

icat

ion

to D

oLfo

r eva

luat

ion

Rej

ect

Proj

ect?

Doe

s D

oL

Reg

iste

r the

N

ew

Lear

ners

hip

?

DoL

Reg

iste

r the

N

ew L

earn

ersh

ip

1

Learnership Implementation GuideNew Learnership Application

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CHAPTER 2APPENDICES

APPENDIX 1: New Learnership Application Evaluation Criteria Document

NEW LEARNERSHIP APPLICATIONEVALUATION CRITERIA

TABLE OF CONTENTS

Section Content Page

Section 1 Details of Applicant 2

Section 2 Details of Employer 2 - 3

Section 3 Details of Internal / External Provider 4 - 5

Section 4 Learnership Information 6 - 7

Section 5 Learnership Identification and Justification 8 - 9

Section 6 Learnership Implementation Readiness 10

Section 7 Learnership Management & Administration 10

Section 8 Learnership Cost 10 - 11

Section 9 Annexures 12

2


New Learnership Application

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Section 1 Details of Applicant

1. Name of applicant:

2. Are you an Employer in the Insurance Sector? YES NO

3. Are you an accredited Internal Training Provider? YES NO

4. Are you an accredited External Training Provider? YES NO

Section 2 Details of Employer

1. Legal name of Employer:

2. Trading name (if different from above):

3. Which sub-sector/s of the Insurance Sector do you represent:

Short Term Insurance Healthcare Benefits Administration

Life Insurance Funeral Insurance

Insurance and Pension Funding Reinsurance

Risk Management Pension Funding

Unit Trusts Activities auxiliary to Financial Intermediaries

4. Please provide Employer's Contact Details:

Employer: Name of Contact person:

Physical Address:

Postal Address:

Tel. number (w): Mobile number:

Fax number: E-mail address:

3


Version 6.0 7/04/2003

1 Refer to Annexure LA 4 Sector Indicator Codes (SIC) for the Insurance Sector.2 SARS Skills Development Levy number as per Skills Development Levies Act.3 Refer to Annexure LA 5 Seta Identification Codes.4 INSETA requires statistical information for Department of Labour reporting purposes.

5. Designation of contact person at Head Office of Employer:

6. Registration / reference numbers or codes:

SIC1 SARS - SDL Number2

SETA3 Company/ Close Corporation / Partnership/ Sole Trader

8. Company / business enterprise size4:

Business Enterprise Number of Permanent People Employed T

Micro 0 - 9

Small 10 - 49

Medium 50 - 149

Large 150 - 999

Macro 1000 - 4999

Mega 5000 +

9. Would the learning occur at a single Employer learning site or at multiple learning sites?

Single Multiple

4



Version 6.0 7/04/2003

5 Refer to Annexure LA 4 Sector Indicator Codes (SIC) for the Insurance Sector.6 SARS Skills Development Levy number as per Skills Development Levies Act.7 Refer to Annexure LA 5 SETA Identification Codes.8 ETQA provider accreditation number.

Section 3Details of Internal and / or External Training Provider

1. Legal name of Lead Training Provider:

2. Trading name (if different from above):

3. Lead Training Provider Contact Details:

Lead Training Provider:

Physical Address:

Postal Address:

Tel. number (w): Mobile number:

Fax number: E-mail address:

4. Name of contact person:

5. Registration / reference numbers or codes:

SIC5 SARS - SDL Number6

SETA7 ETQA8

6. Name of Education and Training Quality Authority (ETQA) where accredited:

7. Please indicate status of accreditation:

Interim Provisional

Full Other

5


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8. Date of Provider Accreditation by ETQA:

9. Termination date of Provider Accreditation by ETQA:

10. Number of years trading as a registered Training Provider:

6



Version 6.0 7/04/2003

Section 4Learnership information

1. Title of proposed Learnership:

2. Does the Learnership lead to an existing registered Qualification? YES NO

If NO please proceed to question 13

3. Name of Qualification this Learnership will lead to:

4. Is this Qualification a WHOLE Qualification or is it Unit Standards based?

5. What are the NQF Field and Sub Field of the Qualification:

Field: Sub Field:

6. What is the NQF level of this Qualification and what are the number of credits of this Qualification?

7. If the Credit Value differs from that of the Qualification please indicate the number of credits to be earned in this Learnership:

8. Date of registration of this Qualification on the NQF (if registered):

9. Date of application to SAQA (South African Qualification Authority) for registration (if not registered):

10. Name of the ETQA responsible for Quality Assuring this Qualification:

11. In terms of the Qualification this Learnership leads to, what (if any) are the access requirements to the Qualification that Learners must meet?


Version 6.0 7/04/2003

12. Where the proposed Learnership does lead to an already registered Qualification please provide:(refer to the INSETA website www.inseta.org.za for an example of the structure and curriculum for a registered Learnership).

a. A table of Unit Standards titles for this Learnership, indicating the Fundamental, Core and Elective Unit Standards, and show the NQF Level and Credit value per Unit Standard.

b. Work Experience and Structured Learning Components: Provide a table indicating overall credit allocation for the structured learning and the workplace experience component, and a motivation for this format including indication of how this is to be achieved.

c. Indicate the Assessment Criteria that will be used to assess the workplace component of this proposed Learnership.

13. If the proposed Learnership requires the development of a new Qualification:

a. Does the Learnership require new Fundamental Unit Standards to be developed?

If YES, specify:

b. Does the Learnership require new Core Unit Standards to be developed?

If YES, specify:

c. Does the Learnership require new Elective Unit Standards to be developed?

If YES, specify:

14. Please refer to the INSETA website www.inseta.org.za for an example of the structure and curriculum for a registered Learnership and provide the following information for the proposed Learnership.a. A table of Unit Standards titles for this Learnership, indicating the Fundamental, Core and Elective Unit

Standards, and show the NQF Level and Credit value per Unit Standard if available. b. Work Experience and Structured Learning Components: Provide a table indicating overall credit allocation

for structured learning and workplace experience component, and a motivation for this format includingindication of how this is to be achieved.

c. Indicate the Assessment Criteria that will be used to assess the workplace component of this proposed Learnership.

7

8



Version 6.0 7/04/2003

Section 5Learnership Identification and Justification

1. What is the purpose and objective of this proposed Learnership?

2. Does the Learnership address the needs identified in:

INSETA Sector Skills Plans

Sector Skills Plans from other SETAs

Generally available research (specify)

SETA commissioned research

Workplace Skills Plans

Other (specify)

Please submit the key features in the findings from the above that impact on this proposed Learnership.

3. Who are the target groups this proposed Learnership will cater for?

School learners

School leavers

Unemployed people

Self employed people

Employed people

Disabled unemployed people

Disabled employed people

9


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4. What type of employment will this proposed Learnership prepare Learners for in terms of possible job roles?For example, Claims Negotiator, Pension Fund Administrator, Underwriter - Industrial & Commercial, Long or Short Term Insurance Product Developer, Financial Adviser, etc.

5. Indicate in which Sub-Sector of Insurance this Learner could possibly be employed in after completing this Learnership

Short Term Insurance Healthcare Benefits Administration




Unit Trusts Activities auxiliary to Financial Intermediaries

Other:

6. After completing this Learnership will the Learner be capable of self-employment? If yes, how?

7. Indicate possible number of Learners for this proposed Learnership:

10



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Section 6Learnership Implementation Readiness

1. As an employer state your Implementation readiness in terms of:

Facilities

Equipment

Qualified Staff

Workplace Assessors

Workplace Mentors

Unit Standards Aligned Training Materials

Outcomes Based Education Delivery of Training

Record Keeping and Quality Management Systems

A dedicated Learnership Co-ordinator

Other (specify)

2. Are there accredited Providers of Training that could offer this Learnership?

If YES, please List them:

Section 7Management and Administration

1. Provide a copy of the proposed Learnership/s Development Timetable. 2. Provide Information about the participating parties and their respective roles.

Section 8Learnership Costs

1. Provide a copy of the cost structure for this proposed Learnership including development of training materials, learning programmes, implementation, administration, assessment, etc.

11


Name of Applicant (Please print)

Signature of Applicant

Date

Official Company Stamp

Version 6.0 7/04/2003

12



Section 9Annexures

Annexure LA 4 Sector Indicator Codes (SIC)

1 Unit Trusts SIC 81901

2 Risk Management SIC 81902

3 Insurance and pension funding, except compulsory social security SIC 82110

4 Life insurance SIC 82100

5 Pension funding SIC 82120

6 Healthcare benefits administration SIC 82131

7 Short term insurance SIC 82191

8 Funeral insurance SIC 82192

9 Reinsurance SIC 82193

10 Activities auxiliary to financial intermediaries SIC 83000

Annexure LA 5 SETA Identification Codes

Version 6.0 7/04/2003

FASSET - Financial and Accounting Services

BANKSETA - Banking Sector Education and TrainingAuthority

CHIETA - Chemical Industries Education and TrainingAuthority

TEXTILES- Clothing, Textiles, Footwear and Leather SectorEducation and Training Authority

CETA - Construction Education and Training Authority

DIDTETA - Diplomacy, Intelligence, Defence and Trade &Industry Sector Education and Training Authority

ETDP SETA - Education, Training and DevelopmentPractices Sector Education and Training Authority

ESETA - Energy Sector Education and Training Authority

FOODBEV - Food and Beverages Manufacturing IndustrySector Education and Training Authority

FIETA - Forest Industries Sector Education and TrainingAuthority

HWSETA - Health and Welfare Sector Education andTraining Authority

ISETT - Information Systems, Electronics andTelecommunications Technologies

INSETA - Insurance Sector Education and TrainingAuthority

1

2

3

4

5

6

7

8

9

10

11

12

13

LGWSETA - Local Government, Water and Related ServicesSector Education and Training Authority

MAPPP - Media, Advertising, Publishing, Printing andPackaging

MQA - Mining Qualifications Authority

MERSETA - Manufacturing, Engineering and RelatedServices Education and Training Authority

-

POSLECSETA - Police, Private Security, Legal andCorrectional Services

PAETA - Primary Agriculture Education and Training Authority

PSETA - Public Services Sector Education and TrainingAuthority

SETASA - Secondary Agriculture Sector Education andTraining Authority

SERVICES - Services Sector Education and TrainingAuthority

-

THETA - Tourism and Hospitality Education and TrainingAuthority

TETA - Transport Education and Training Authority

W&RSETA - Wholesale and Retail Sector Education andTraining Authority

14

15

16

17

18

19

20

21

22

23

24

25

26

27

1

Learnership Implementation GuideLearnership Regulations

APPENDIX 2: Learnership Regulations

(Gazette No. 7043 of 3rd April 2001)

DEPARTMENT OF LABOURSKILLS DEVELOPMENT ACT 1998 (NO 97 OF 1998)

REGULATIONS CONCERNINGTHE REGISTRATION OF INTENDED LEARNERSHIPS AND

LEARNERSHIP AGREEMENTS

The Minister of Labour, after consultation with the National Skills Authority, has made the regulations in the Schedulein terms of Section 36, read with sections 16(d) and 17 (3) and (6) of the Skills Development Act, 1998 (Act No. 97 of1998).

M M S MDLADLANAMINISTER OF LABOUR

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2


Learnership Regulations

SCHEDULEContent Page

1. Definitions 2

2. Registering Intended Learnership 2 - 3

3. Registering Learnership Agreement 3

4. Altering terms of Learnership Agreement 3

5. Substituting party to Learnership Agreement 4

6. Terminating Learnership Agreement 4

7. Making of decisions by SETA 4

8. Keeping of records 4

9. Referring of dispute 4

10. Short title 4

Definitions

1. In this Schedule any word or expression to which a meaning has been assigned in the Act shall have the meaning so assigned, unless the context indicates otherwise -

"submit" means to deliver by hand or registered post or to transmit a communication by electronic mechanism as a result of which the recipient is capable of printing the communication

"the Act" means the Skills Development Act, 1998 (Act No 97 of 1998).

Registering intended learnership

2. (1) A SETA applying to register an intended learnership, in terms of Section 16 of the Act, must complete the registration form set out in Annexure A.

(2) The completed registration form referred to in sub-regulation (1) must be submitted to the Director-General at one of the following addresses -

(a) when posted, be addressed to:The Director-General: Department of LabourPrivate Bag X117Pretoria0001; or

(b) when delivered by hand, be delivered to:The Director-General: Department of Labour; 215 Schoeman Street Pretoria

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3

Learnership Implementation GuideLearnership Regulations

(3) Upon registration of a learnership, the Director-General must -i. issue a certificate of registration to the SETA; andii. allocate and issue a learnership code.

(4) A SETA may apply in writing to the Director-General to amend the registered learnership.

(5) If the registered learnership is amended, the Director-General must amend the relevant certificate of registration accordingly or issue a new certificate of registration.

Registering Learnership Agreement

3. (1) A learnership agreement must be in the form set out in Annexure B.

(2) A SETA may require the parties to a learnership agreement to submit relevant information in addition to that required in terms of sub-regulation (1).

(3) A SETA may register a learnership agreement in terms of section 17(3) of the Act if -

(a) the Director-General has registered the learnership;(b) a completed learnership agreement form referred to in sub-regulation (1) has been submitted to the

SETA in duplicate;(c) all parties to the agreement have signed the agreement and, if the learner is a minor9, the learner's

parent or guardian has signed the agreement on behalf of the learner;(d) the employer party to the learnership agreement falls within the scope of coverage of the SETA; (e) the terms of the agreement comply with the Act and any other applicable law; and(f) the learnership agreement was concluded before the start of the learnership.

(4) A SETA may only register a learnership agreement to which a group of employers is party if -

(a) one of the employers is identified in the agreement as the lead employer; and(b) the lead employer undertakes to ensure compliance with the employer's duties in terms of the agreement.

(5) A SETA may only register a learnership agreement to which a group of training providers is party if -

(a) one of the training providers is identified in the agreement as the lead training provider; and(b) the lead training provider undertakes to ensure compliance with the training provider' duties in terms of

the agreement.

(6) Within 30 days of receiving the learnership agreement, the SETA must decide -

(a) whether or not to register the learnership agreement;(b) in respect of every learnership agreement that is registered, whether or not to pay a Grant -

(i) towards the costs of the learnership;(ii) towards the allowance to be paid to a learner who was not in the employment of the employer at

the time the learnership agreement was concluded.

(7) A SETA must advise the employer of the amount of any Grant that it will pay in terms of sub-regulation 6(b).

(8) If a SETA decides not to register the learnership agreement, the SETA must notify the parties to the agreement accordingly in writing, providing reasons thereof.

(9) A SETA must record the name and the date of registration of each learnership agreement that it registers and forthwith send a copy to each of the parties to the agreement at the addresses stated in the agreement.

Altering terms of Learnership Agreement

4. (1) The parties to a learnership agreement registered with the relevant SETA may, subject to the SETA's approval, alter the terms of the said agreement.

(2) A SETA may only register an alteration referred to in sub-regulation (1), if a copy of the learnership agreement, together with the alterations to the said agreement, signed by all the parties thereto, is submitted to the SETA.

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9 A minor is an unmarried person who is under 21 years of age. The High Court may declare a person who is over 18 years of age to have attainedmajority.

4


Learnership Regulations

Substituting a party to a Learnership Agreement

5. (1) A SETA may approve the substitution of the employer or the training provider party to a learnership agreement in terms of section 17(5) of the Act if a written application, accompanied by an agreement setting out the terms of the substitution, is submitted to the SETA.

(2) The parties to a learnership agreement may, with the approval of the SETA, substitute a new learnership agreement for a learnership agreement that the SETA has already registered.

Terminating Learnership Agreement

6. (1) A SETA may approve the termination of a learnership agreement in terms of section 17(4)(b) of the Act if -

(a) the employer and learner have agreed in writing to terminate the agreement; (b) the employer or employee has requested, on good cause, to terminate the agreement and the other

parties to the learnership agreement have had the opportunity to make representations as to why the agreement should not be terminated;

(c) the employee has terminated the contract of employment with the employer; or(d) the training provider has requested on good cause to terminate the agreement and

(i) the other parties to the agreement have had the opportunity to make representations; and(ii) the SETA and the employer have been unable to arrange for a new training provider to be

substituted for the old training provider in accordance with regulation 5 (1).

(2) An application to terminate a learnership agreement in terms of sub-regulation (1) must be submitted to the SETA in writing together with -

(a) a copy of the relevant learnership agreement;(b) in the case of sub-paragraph (a), a written agreement signed by the employer and the learner setting

out the reasons for the termination.

Making of decisions by SETA

7. A SETA must make any decision required in terms of these regulations within 30 working days of receiving the relevant documents.

Keeping of Records

8. (1) Every SETA must keep an updated record of -

(a) all learnership agreements registered by the SETA, including the title and code of the learnerships;(b) all Grants paid by the SETA in respect of learnerships;(c) all alterations to the terms of learnership agreements referred to in paragraph 4(a);(d) all learnership agreements successfully concluded, including the title and code of the learnerships;(e) all learnership agreements that the SETA did not register and the reasons for not registering the

agreements; and(f) all learnership agreements terminated in terms of regulation 6, including the reasons for termination.

(2) Records referred to in sub-regulation (1) may be kept in any form, provided that at least one set of the records is kept in hard copy.

Referring of dispute

9. (1) A party referring a dispute in terms of section 19(2) of the Act must submit a completed Form 7.11 published in terms of the Labour Relations Act 66 of 1995 to the Commission for Conciliation, Mediation and Arbitration.

(2) The relevant provisions of Parts C and D of Chapter VII of the Labour Relations Act 66 of 1995, read with the changes required by the context, apply in respect of a dispute in terms of section 19 of the Act.

Short Title

10. These regulations are to be known as the Learnership Regulations, 2001.

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rPART 3


CONTENTS Page

Chapter 1 Access to a Registered Learnership

1.1 Placing a Learner on a Learnership 1 - 5

1.2 Learnership Administration Process 6 - 8

1.3 Preparing to Implement a Learnership 9 - 111.3.1 Learnership Agreement1.3.2 Rights and Duties of Parties1.3.3 Termination of the Learnership Agreement1.3.4 Appeals and Disputes Procedure1.3.5 Funding a Learnership1.3.6 Monitoring, Evaluating and Reporting 1.3.7 The Assessment Process

1.4 Learnership Commencement: Roles and Activities 11 - 131.4.1 The Employer1.4.2 The Learning Provider1.4.3 The Learner

Chapter 2 Appendices

2.1 INSETA's Funding Policy

2.2 Learnership Grant Application

2.3 Learnership Grant Application Checklist - Statutory

2.4 Learnership Grant Application Checklist- INSETA Criteria

2.5 Learnership Agreement

2.6 Learnership Agreement Checklist - Terms and Conditions

2.7 Learnership Agreement Checklist - Regulations

2.8 Example of an Employment Contract


rPART 3

CONTENTS

2.9 Sectoral Determination No. 5: Learnerships

2.10 How to maximise your benefit from the Learnership Tax Allowance

2.11 INSETA Registered Learnerships Structure and Curriculum

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1


rPART 3

CHAPTER 1

Access to a Registered Learnership

1.1 Placing a Learner on a Learnership

r Once a Learnership has been registered by the Department of Labour, implementation can begin.

r INSETA will determine with the Learnership Co-ordinator arrangements for implementation of the Learnership. INSETA describes the person responsible for the Learnership as the Learnership Co-ordinator. This person is responsible for developing a Learnership Implementation Plan and for bringing the Learnership to successful completion.

Implementing a Registered Learnership refers to the various processes detailed in this Part of the Learnership Guide.

Version 6.0 7/04/2003

Iden

tify

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regi

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2


rPART 3

Notes on STEP 2:Using the Implementation Plan to monitor delivery and measure the success of the Learnership.

Once the flow process for placing Learners on a Learnership is completed it will provide sufficient information for aLearnership Implementation Plan to be prepared according to the organisation's needs.

This Implementation Plan should be followed to ensure that a structure is in place that will allow for constant meas-urement and review in order to ensure the successful completion of the Learnership.

INSETA does not prescribe a format for the Learnership Implementation Plan, as each individual stakeholder organi-sation will address individual needs through unique policies and processes. Following this flow process for placingLearners on a Learnership will assist Employers in gathering the necessary information to produce a soundImplementation Plan.

The Implementation Plan, which is submitted to INSETA together with the Learnership Agreement, is used by INSETAto assist in the monitoring of progress of the Learnership towards successful completion.

Version 6.0 7/04/2003

Set u

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3


rPART 3

Version 6.0 7/04/2003

Lear

ners

hip

Co-

ordi

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r Acc

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4


rPART 3

Version 6.0 7/04/2003

Lear

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prov

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5


rPART 3

Version 6.0 7/04/2003

Fina

l clo

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co

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?

6


rPART 3

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1.2 Learnership Administration ProcessINSETA has developed a Learnership administration process to manage Learnership Agreement requirements, Grantdisbursements and the progress of Learnerships.

In doing so, INSETA is able to offer corrective measures to ensure the successful completion of Learnerships.

This internal INSETA process is explained in the process flow diagrams, which follow.

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Lear

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Yes

Lear

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rPART 3

1.3 Preparing to Implement a Learnership

1.3.1 Learnership AgreementAn important step in a Learnership is the registration of a Learnership Agreement by INSETA. The registration of theLearnership Agreement triggers the Learnership's implementation process. For a Learnership Agreement to be regis-tered by INSETA, the Employer of the Learner/s must be a stakeholder of INSETA, i.e. a levy payer to the INSETA.

The Learnership Agreement is a contract between the Employer/s, the Training Provider/s and the Learner/s, whichdetails the Roles, Rules, Duties and Responsibilities, of all parties for the duration of a Learnership.

This document can be accessed in Section 2, Part 3 of this Learnership Guide and on the INSETA website www.inseta.org.za.

Please Note: all SETAs have their own specific Learnership Agreements, which must be used by their constituents.Insurance Sector stakeholders are required to complete INSETA's Learnership Agreement regardless of the type ofLearnership chosen. This means that even for a cross-sectoral Learnership, for example, in Accounting, InformationTechnology or Human Resources, INSETA's Learnership Agreement document must be used.

The Learnership Regulations deal with a range of aspects in the Learnership Agreement. Some of these are discussedin this section. For more detailed information, refer to the Learnership Regulations (Gazette No. 7043 of 3rd April 2001)in Section 2, Part 2 of this guide.

The Registration of a Learnership AgreementIt is the responsibility of the Employer or Lead Employer to complete and submit a Learnership Agreement to INSETAfor registration. INSETA registers a Learnership Agreement once the completed and signed Learnership Agreementhas been submitted to INSETA.

The Department of Labour (DoL) has provided a set format for the Learnership Agreement, which INSETA has adapt-ed and produced as the "INSETA Learnership Agreement". All parties must comply with the terms of the Agreement.

The Learnership Agreement must be concluded before the start of the Learnership. If the Learnership Agreement isnot concluded before the start of the Learnership, INSETA cannot approve the Learnership Agreement.

The Lead Employer

r For INSETA to register a Learnership Agreement where there is more than one Employer, one of the Employers must be identified as the Lead Employer in the Learnership Agreement.

r The Lead Employer must undertake to ensure compliance by all Employers involved with the Employers' dutiesin terms of the Learnership Agreement.

Lead Provider

r INSETA may only register a Learnership Agreement where there is more than one Learning Provider if one of theLearning Providers is identified as a Lead Learning Provider in the Agreement.

r The Lead Learning Provider must undertake to ensure compliance by all Learning Providers involved with the Learning Providers' duties in terms of the Learnership Agreement.

Time frame for registration

r Within 30 days of receiving the Learnership Agreement, INSETA will decide whether or not to register the Learnership Agreement.

r INSETA will also decide whether or not to pay a Grant towards costs of the Learnership and towards the allowancebeing paid to a Learner who was not in the employment of the Employer at the time the Learnership Agreementwas concluded.

r INSETA will advise the Employer of the amount of any Grant that will be paid. r If INSETA decides not to register the Learnership Agreement, INSETA will inform all parties to the Agreement in

writing and will explain its reasons.

Sending out the Learnership Agreement

r INSETA will record the name and the date of registration of each Learnership Agreement that it registers. r INSETA will advise the Lead Employer of receipt and approval of the Learnership Agreement. INSETA will request

the Lead Employer to make copies of the Learnership Agreement, available to the relevant parties upon approval.

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rPART 3

Altering the Terms of a Learnership Agreement

r The parties to a Learnership Agreement with INSETA may alter the terms of the Learnership Agreement if they obtain INSETA's approval.

r INSETA may only register an alteration if a copy of the Learnership Agreement, together with the alterations, signed by all parties, is submitted to INSETA.

Substituting a party to a Learnership Agreement

r INSETA may approve the substitution of the Employer or Learning Provider party to a Learnership Agreement if a written application, accompanied by an Agreement setting out the terms of the substitution, is submitted to INSETA.

r The parties to a Learnership Agreement may, with the approval of INSETA, substitute a new Learnership Agreement for a Learnership Agreement that INSETA has already registered.

Refer to Section 7 of Appendix 2.5 in Part 3 of this guide for a detailed discussion on the topics below.

1.3.2 Rights and Duties of Learners, Employers and Registered Learning Providers

1.3.3 Termination of the Learnership Agreement

1.3.4 Appeals and Disputes Procedure pertaining to Learnership Agreements

1.3.5 Funding a LearnershipEmployers will be able to apply for Grants for Learnerships each time a Learnership Agreement is entered into.However these Grants will only be available once the Learnerships are registered with the Department of Labour. Onthe Learnership Registration Form, the amount of the Grant INSETA may pay to Employers will be recorded.

If an Employer provides a Learnership for an unemployed person the Employer may be eligible to apply for a Granttowards the allowance that must be paid to the Learner, but Grant approval must be obtained from INSETA before theEmployer proceeds with the completion of the Learnership Agreement with the Learner.

INSETA has set aside a budget from Discretionary Grant funds for the implementation of Learnerships that will alignwith the needs of the Sector identified in the INSETA Sector Skills Plan. Since funding comes from DiscretionaryGrants, INSETA reserves the right to approve Grant applications according to Learnership Grant evaluation criteria,which include: r INSETA Registered Learnership r Sector Skills Prioritiesr Designated Groups r Employed / Unemployedr Sub-sector representation r Cross-Sectoral Learnershipsr Organisational readiness r Commencementr Cost

Application Forms and the Funding Policy

The Learnership Funding Policy contained in Section 2 of Part 3 of the Learnership Guide gives an overview of theamounts, process and requirements for the funding of Learnerships. The Learnership Grant Application is containedin Section 2 of Part 3 of the Learnership Guide. Both documents are also available from INSETA's website atwww.inseta.org.za.

It must be noted that the Grant Application must be approved before the Learnership Agreement is signed andbefore any training commences.

Please refer to Section 2, Annexure 2.10 of Part 3 of the Learnership Guide for an example of the tax benefits.

1.3.6 Monitoring, Evaluating and Reporting on Learnership AgreementsThe SETA is required by the Skills Development Act to report to the Department of Labour on the development andimplementation of Learnerships. INSETA has established mechanisms to develop reports that will go to both theLearnership Committee of the INSETA and the Department of Labour.

These reports will deal with the registration of Learnership Agreements, Learnership Agreements not registered and the rea-sons, Learnership Agreements successfully concluded and Learnership Agreements amended or terminated and the reasons.

There will also be reporting on implementation, problems, difficulties and actions taken by the parties to resolve theseissues. There will be regular progress reports during the implementation of the Learnership that will have to be sent toINSETA for evaluation.

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rPART 3

1.3.7 The Assessment ProcessAssessment is a structured process in which evidence of performance is gathered and assessed against agreed cri-teria. It involves identifying, gathering and interpreting information about the Learner's achievements.

Different types of evidence are collected using a variety of assessments methods. The evidence is then assessed andrecorded against the outcomes of the Unit Standards. Judgements are made in order to make decisions on a Learner'scompetence in relation to the Unit Standards.

INSETA's ETQA division (INSQA) quality assures Assessments and decisions given by accredited Providers of Training.

An illustration of Components of Assessment

Formative and Summative Assessment

An integrated approach to assessment involves choosing a variety of assessment methods, which can integrate anumber of assessment activities. This consists of both Formative and Summative assessments.

Formative refers to assessment that takes place during the process of learning and Summative is assessment for mak-ing a judgement on competency at the end of the learning.

Some principles that support good assessment practice:

Valid: Done against the required Unit StandardAuthentic: The Learners own workCurrent: Learner knows and can do nowSufficient: Evidence shows all assessment criteria are met

1.4 Learnership Commencement: Roles and Activities

1.4.1 The EmployerThe Learnership should ideally be officially launched. This combined with an induction process will ensure clear communi-cation of the scope of the Learnership and give Learners the opportunity to ask questions or express concerns not alreadycovered in the previous information sessions. Effective induction will assist in defining realistic Learner expectations.

Listed are some of the aspects that could be covered in the Induction:r Explain how the Learnership programme will work.r Ensure learners receive the necessary learning materials and equipment.r Ensure systems are in place for payment of allowances, salary, and explain how this will work.r Explain company policies that will impact on the Learners and other parties, such as grievance and disciplinary

procedures.r Introduce the Learners to all staff members who will be responsible for their welfare: mentors, coaches, Learning

Providers. r Explain how mentoring and workplace experience will work.r Counsel employed Learners on how to manage changes and cope with work still expected of them, if any.r Clarify the period of the Learnership and the responsibilities and duties of the Learner and other role players.r Explain the concept of outcomes-based education, learning against Unit Standards and the process of assessment.r Set up networking or study groups if appropriate.

Each organisation will add to this list according to its unique requirements.Version 6.0 7/04/2003

Assessment Methods & Instruments

Analyse Purpose

RecordingAssessment

Assessment System

Assessment Approach

Review

AssessmentPractices

QualityAssurance

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rPART 3

Structuring and Monitoring Work Experience

The workplace experience is meant to offer "real world" context. Learners will be required to adapt and re-contextu-alise their learning to practical application. Ideally the experience that the Learner obtains should occur under normaloperational and service delivery pressures.

The workplace experience should also provide the Learners with exposure to a broad spectrum of work situations. Atthis stage of learning, it is very important for the Learner to build on all elements of competence and the capacity forlifelong learning and self-improvement.

Competence consists of:

Foundational Competence which is about the Learner's understanding of what he or she is doing and why. Practical Competence follows which is about the Learner's ability to do the tasks. Reflexive Competence which is the Learner's ability to integrate or connect performance with understanding in orderto learn from actions and adapt to change and unforeseen circumstances.

Maintaining a positive learning environment

The Employer needs to provide a learning environment that is challenging yet safe so that Learners feel comfortableasking questions or admitting to uncertainty. The general principles of adult learning apply:r Orientation to learning is work or life centredr Motivation for adults comes from needs and interests they develop r Learning needs to be around experiences, their analysis and application to work issuesr Adults need to be self-directed and the role of coach is to enable enquiry, analysis and decision-making, not to

transmit knowledger Coaching must make allowance for differences in learning styles and pace

Learning effectively

Learning is more effective if it: r Takes place in a supportive, respectful environmentr Can be built on the individual's experiencer Takes place in the context of problem-solvingr Is enhanced by feedback and through doingr Is facilitated by a variety of training methodsr Is an active process

1.4.2 The Learning ProviderThe Learning Provider is responsible for delivering learning interventions that are designed against set Unit Standardsin the Learnership Curriculum, using the Outcomes Based Education and Training methodology as required by SAQAand the NQF.

Timing and scheduling of Structured Learning and the Workplace experience component

The Learning Provider needs to partner with the Learnership Co-ordinator as well as with line management in ensuring that the best possible timing is chosen for structured learning and practical experience for the Learner andhis or her department's work flow.

Continuous consultation along the way is ideal to ensure good work experience that allows the Learner to transfer skillsgained in structured learning to the real work environment in a variety of contexts and situations.

Record Keeping

The Learning Provider, whether internal or external, needs to make sure there is a system in place for managing andrecord keeping of data regarding the Learnership programme.

These responsibilities include:r Keeping Learner records and transferring information to agreed partiesr Adhering to Quality Management Systems and proceduresr Collecting the necessary information for Assessment

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rPART 3

1.4.3 The LearnerResponsibility and drive (being an effective adult Learner)

As adult Learners in the workplace it is vital that Learners play an active and involved role in the Learnership. Takingownership of one's personal development is essential.

Using a personal learning plan will help. Asking the following questions will assist Learners to create their own individualised learning plan:r What is my goal?r What resources will I need?r Who are the people I know who can help me?r What are the barriers I may encounter and how can I best overcome them?r What is my timetable for achieving my objective?r When are my meetings with my mentors?r What are my responsibilities and duties in this Learnership?

Being assessed / receiving feedback

When a Learner is assessed, a decision is made regarding his or her competence status: "Competent" or "Not YetCompetent". A decision of "Not Yet Competent" means some improvements still have to be made and the opportuni-ties of doing so agreed and put in place.

The Learner must be confident he or she has clarified, with the Assessor, precisely what the shortfall is in order to meetthe Unit Standard and how to best get there.

Being Competent against a Unit Standard, cluster of Unit Standards (a Skills Programme) or against a Learnership means:r Having the practical skills needed to meet the Unit Standardr Having the knowledge needed to meet the Unit Standardr Having the right thinking disposition to meet the Unit Standardr Being able to transfer the skills, knowledge and disposition from one context to another to effectively meet the Unit

Standard

Keeping track of one's own performance and self-appraisal.

This is a valuable tool for an adult Learner and will assist the assessment process by providing supporting examplesand situations to clarify issues under discussion.

Receiving feedback is also essential for self-development. It is an important guide to how others perceive one's performance. Feedback is given to confirm good performance and to point out areas for development. In the contextof formative assessment it is always meant to be constructive.

When receiving feedback Learners should:

r Have an open mindr Ask questions to clarify understandingr Motivate own point of view with examplesr Evaluate the feedback against self-assessment and learn from the experience

Giving feedback

Learners are entitled to give feedback to the partners in the Learnership Programme, the Learnership Co-ordinator, theLearning Provider and Line Managers.

The rules and guidelines for giving and receiving constructive feedback will have been clearly set up from the begin-ning and should be used as a valuable communication tool to ensure the successful completion of the Learnership.

Managing work and learning relationships

Part of mastering the Learnership is the ability to establish positive working and learning relationships.

The role of the mentor and the Learning Provider is essential in providing guidance in this respect. However theLearners also have the responsibility to take initiative in resolving issues, identifying causes and possible solutions.

There will be possible barriers experienced in terms of resistance to new roles, resistance to change, the challengesof new knowledge, skills and attitude requirements. Achieving successful resolution of these challenges will provide asense of personal success.

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Learnership Funding Policy

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CHAPTER 2APPENDICES

APPENDIX 2.1

INSETA Learnerships Funding PolicyINSETA Criteria for Approving Learnership Grants

as at 11th September 2003

NOTE: All Learnership Grant Applications received prior to the above date, still qualifies under the previous Learnership Funding Policy.

TABLE OF CONTENTS


Section 1 Introduction 2

Section 2 Grants in Respect of Learnerships 3

Section 3 Learnership Models 3 - 8

Section 4 Management of Learnership Project 8

Section 5 Progress Reporting 8 - 9

Section 6 Exclusions 9

Section 7 INSETA Learnership Grant Approval 9 - 10

Section 8 Non-Performance 10

Section 9 Annexure 10 - 11

2



1. IntroductionFrom the 1% levy paid by employers in terms of the Skills Development Levies Act, the Funding Regulations for 2001have made provision for the following grants to be paid from the levies received.

1. Workplace Planning Grant2. Workplace Implementation Grant3. Discretionary Grants

The Skills Development Act and subsequent funding regulations for 2001/2002 make provision for Sector Grants to bepaid in line with sector priorities.

INSETA StrategyThe Sector Skills Plan for INSETA identified skills development needs in the insurance and investment sector. INSE-TA will support the achievement of skills development objectives in the sector and will strive to support initiatives finan-cially if possible.Sector priorities include, but are not limited to, the following:r Identification, generation and registration of sector relevant qualificationsr Employment Equity and related skills development r Recognition of Prior Learning r Implementation of National Skills Development Strategies r Promotion of SAQA/NQF processes r Sector research and analysis r SMME support (e.g. training of SDF) r Learnerships and skills programmesr E-commerce and business acumenr EntrepreneurshipIn order to manage the process of allocating large amounts of funds to numerous initiatives INSETA will follow a phased approach in the identification and funding of applicable initiatives.

General PrinciplesThe purpose of making grants within INSETA is to enable an increase in the availability of training and learning oppor-tunities and thus promote skills development within the sector.

All applications must have a relevance to and application within the insurance and investment sector as outlined in theSector Skills Plan. Areas of need are reflected in detail in the INSETA Sector Skills Plan.

INSETA will award the grants on the basis of the contribution that the skills development activities being proposed willcontribute to the implementation of INSETA's Sector Skills Plan.r For the purposes of this Learnership strategy only levy payers will be considered for Learnership Grants.r The Learnership Strategy must be aligned to the Skills Development programme identified by INSETA.r Learnerships will only be approved in cases where the learners will contribute to the INSETA agreed targets as

set by the NSDS.r INSETA will convert bursaries and financial incentives of participating applicants where applicable to improve its

overall strategic targets.r These conversions will favour 18.2 learners and the INSQA will ensure that the converted bursary qualifies as a

Learnership.r All Learnership actions will be aligned to both the EE and the WSP of the applicants. If a Learnership is not aligned

to these, INSETA will not approve the Learnership.r Learners from designated groups specially the 18.2 learners will receive priority on the Learnership models but

not to the exclusion of other groups.r A distinction will be drawn between INSETA's Learning Strategy and the Learnership strategy so that no applicant

can receive any double benefits, for example, Persons on ELDP and LAP cannot receive a Learnership Grant if INSETA is paying for the overall programme.

r INSETA will follow a process of RPL in accordance with its own RPL policy to ensure a measure of fast tracking on all Learnerships.

r INSETA will provide entry-level requirements to all applicants on application to assist and guide them to minimise the risk of learner failure.

INSETA will approve and allocate sector grants in a phased process.

Should the intention of the Lead Employer be to apply for Learnership Discretionary Grants, this shall meanthat the discretionary grants awarded by INSETA must be approved before the relevant training initiativecommences.

Inseta Learnerships Funding Policy 23 Sept 2003

3



LearnershipsINSETA recognises the uniqueness of applicants, and for this reason, a variable scale of funding is contemplated.r This uniqueness relates to specifically to the differences between SMME levy payers with limited infrastructure

compared to large organisations, to implement successful Learnerships. This will also include socio-economic and geographic factors per province.

2. Grants in Respect of Learnershipsr Any employer paying a skills levy to INSETA may seek a grant from INSETA to support the implementation of

Learnerships. INSETA will determine the level of the grant and details of the grant will be registered with the Department of Labour when each Learnership is registered.

r There are four types of grants to support Learnerships: - Grant to Employer- Learner Allowance- Grant to Providers- Grant for New Learnership Development

The Grant to Employer is a grant to offset the costs of implementing a Learnership and recovery of training costs,(e.g. off-the-job education and training provider fees).

The Learner Allowance is a grant that may be paid to subsidise the learner's allowance if the learner was unemployedimmediately before starting the Learnership (section 18(2) Learnerships, as defined in the Skills Development ActNo.97 of 1998). The learner allowance will be in terms of the Learnership Determination published by the Minister ofLabour on 15 June 2001.The Application of this determination can be found in the Basic Conditions of Employment Act 75 of 1997 SectoralDetermination No 5: Learnerships - relevant extracts can be found in Annexure LFP1 as attached.

The Grant to Providers will be for the full or partial provision of Learnership Services in accordance with theRegulation.

Notes: A learner who is employed before the Learnership Agreement is signed continues to receive the existing salaryand does not qualify for a learner allowance. Therefore no Learner Allowance Grant will be paid to the Lead Employer.r These grants will be paid by INSETA to the Lead Employer or to the provider at the discretion of INSETA and

dependent on the availability of funds.r INSETA will decide how many and which Learnership grant applications it will support. INSETA will make its

decision in the light of the priorities of its sector skills plan and the amount of money it has available to support Learnerships.

r INSETA will decide how many and which Learnership grant applications it will support. INSETA will make its decision in the light of the priorities of its sector skills plan and the amount of money it has available to support Learnerships.

3. Learnership ModelsThis four phased approach can be applied across all levels of registered Learnerships and can be described as follows:Comprehensive Learnerships programmer Standard Learnerships programmer Specific targeted Learnerships programmer Cross Sectoral Learnerships programme

Comprehensive Learnership programmeIt is noted that although this programme is aimed at SMME's, all applicants may still apply for assistance under this programme. This programme will be structured as follows:(1) INSETA will contract the training provider. INSETA will identify those potential training providers and forge the

relevant relationships. By contracting the training provider, the value of the various grants will be reduced accordingly. There will be no differentiation between 18.1 and 18.2 learners in terms of funding for this programme.

(2) In cases where the INSETA contracts the training provider on behalf of a group of applicants, the training provider must assist the applicants with regards to all the Learnership administration. This assistance will include compiling and registering the Learnership agreements with the applicants, ensuring coaching and mentoring of learners and assessment of the learners, both the theory and the on-the-job assessment.

(3) INSETA will provide guidance to the training provider with all Learnerships administration such as Learnership Grant Applications, Learnership Agreements, etc. This will mean that INSETA will visit the SMME's and the training provider that have indicated their participation in the Learnership and provide assistance to speed up the process.

Inseta Learnerships Funding Policy 23 Sept 2003

1 Refer to www.inseta.org.za for the full document

4



(4) INSETA will identify the Learnership requirement in conjunction with representatives of the relevant Sector. This requirement will not be limited but must include the majority of 18.2 learners.

(5) The Training Provider will develop the materials (in cases where materials are required) and be responsible for the project management of this process.

(6) Training materials will be evaluated by the INSETA prior to Learnerships launch.

(7) The INSQA division will ensure that the training provider is adequately accredited and where required ensure that MOU's are drafted to ensure quality training.

(8) The Training Provider will ensure that all levels of assessment both theoretical and on the job take place. This means that progress reporting will be predominantly the responsibility of the Training Provider.

(9) As noted in the preceding paragraphs, Learnership Grants in this case will be reduced where INSETA contracts the Training Provider but the SMME will still apply for Learnership funding and then receive a lesser amount.

(10) The Lead Employers will ensure valid Learnership Agreements and contracts of employment for the duration of the Learnerships programme in conjunction with the training providers.

(11) Due to the nature and duration of the Learnership, INSETA could consider more flexible time periods for the completion of the Learnerships. Reasonable extensions are permitted within the framework of the regulations, which could assist the SMME's with allowing their learners more time to complete the Learnership without jeopardising their own business operations.

(12) The Training Provider will ensure guidance and mentorship to the Learners.(13) INSQA will ensure certification and data capture on the NLRD.

(14) Learnership Grants will be calculated based on the elements listed below as well as taking unemployed and or disabled learners into account. This programme is specially geared to the SMME environment where infrastructure and time issues are pertinent. The obligations in accordance with the SDA remain with the respective providers and learners. As noted above, no applicant will be excluded, but INSETA reserves the right to exercise discretion.

Value of INSETA's Learnership GrantsINSETA will make the following Learnership grants available to stakeholders.r Please note that these figures include both the learner allowance and the recovery of training costs.

r The full Learnership grant payments will not be paid over to Lead Employer up front. Learnership grants will be paid over in 3 stages.

The values of both Learnership grants are determined irrespective of the level of the qualification and the number ofcredits to be achieved.

Process of Learnership Grant PaymentsSingle upfront payments of the full Learnership grants will not be made. Payments will only be made based on the completion of defined events within the Learnership.

On approval of individual Learnership Grant Application and Learnership Agreement, INSETA will follow the processdetailed below:

r It is assumed that some employers may sign a contract of employment with previously unemployed learners, at a fixed rate of remuneration.

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Type of Learner Grant Description Amount of Grant1 Currently Employed Learners Lead Employer grant in respect of NIL

recovery of training costs2 Currently Employed, Disabled Learners Lead Employer grant in respect of NIL

recovery of training costs

3 Unemployed Learners Learner Allowance as well as Lead Employer R5 000grant in respect of recovery of training costs

4 Unemployed, Disabled Learners Learner Allowance as well as Lead Employer R7 500grant in respect of recovery of training costs

5



Standard Learnership programmeThis programme will be structured as follows:(1) INSETA will actively market these Learnerships by providing advice on the possible conversion of existing

bursaries and financial incentives for Learning within an organisation. INSETA will promote 18.2 learners but will not necessarily exclude the 18.1 learners.

(2) An applicant will submit a Learnerships Grant Application to INSETA on the required forms.

(3) INSETA will review the Learnership Grant and make recommendations for the allocation of funds and then request Learnerships Agreements.

(4) The Lead Employer obtains a Training Provider, which may be in-house, or an outsourced provider. The same regulations apply to this training provider in that they must be accredited by a SETA. Where required the INSETA will obtain the relevant MOU's from the other SETA to ensure that the Learnership complies to the regulations.

(5) Standard progress reports must be provided to INSETA in accordance with the Learnership progress reporting policy.

(6) Learnership grants will only be paid out on progress milestones and in accordance with acceptance of the achievement plan milestones.

(7) INSQA will ensure the quality assurance and Learner verification of credits.

(8) INSQA will also ensure that the information is captured on the NLRD.This programme is available to all applicants irrespective of size or Insurance sub-sector who wish to participate in Learnerships.

Value of INSETA's Learnership GrantsINSETA will make the following Learnership grants available to stakeholders.r Please note that these figures include both the learner allowance and the recovery of training costs.

r The full Learnership grant payments will not be paid over to Lead Employer up front. Learnership grants will be paid over in 3 stages.

The values of both Learnership grants are determined irrespective of the level of the qualification and the number of credits to be achieved.

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Initial Payment End of 6 Months On Completion TOTAL(Phase 1) 25% (Phase 2) 40% (Phase 3) 35%

1 Currently Employed Learners NIL NIL NIL NIL

2 Currently Employed NIL NIL NIL NILDisabled Learners

3 Currently Unemployed Learners R1 250 R2 000 R1 750 R5 000

4 Currently Unemployed R1 875 R3 000 R2 625 R7 500Disabled Learners

Type of Learner Grant Description Amount of Grant1 Currently Employed Learners Lead Employer grant in respect of R6 000

recovery of training costs2 Currently Employed, Disabled Learners Lead Employer grant in respect of R6 000




6


rPART 3

Process of Learnership Grant PaymentsSingle upfront payments of the full Learnership grants will not be made. Payments will only be made based on the completion of defined events within the Learnership.

On approval of individual Learnership Grant Application and Learnership Agreement, INSETA will follow the processdetailed below:r It is assumed that some employers may sign a contract of employment with previously unemployed learners, at

a fixed rate of remuneration.

Specific targeted Learnership programmeThis Learnerships programme allows INSETA to target specific Insurance Sub-Sectors where a skills requirement is identified. This programme will be concluded on the basis of partnerships between INSETA, Applicants, Training Providers, etc. The programme structure will be as follows:(1) Insurance Sub-Sectors will identify a specific requirement for a new Learnership that is not currently registered

within the INSETA.

(2) The requirement will normally fall outside the existing INSETA registered Learnerships and a substantial interest is noted or generated.

(3) Skills required are specialist and not catered for within the ambit of existing INSETA registered Learnerships, for example, the development of Actuaries.

(4) It must be noted that other SETA registered Learnerships may also be utilized during this process to ensure that no duplication of registration occurs. Both INSETA and the INSQA divisions will assist in this regard.

(5) INSETA will provide guidance with regards to all aspects of this programme but will not necessarily be actively involved in the development of learning materials. The actual registration of this new Learnership is an INSETA function and this will be completed once the Learnership complies with the requirements as documented in the newly published Learnerships Implementation Guide. This will have the effect that INSETA will provide funding for the development of new standards and qualifications in partnership with the applicant. The extent of this action will depend on the actual requirement.

(6) INSETA will manage this programme as a project with a separate budget based on the Learnerships funding available.

(7) Within this programme a limited comprehensive approach may be followed where INSETA assumes certain responsibilities and the partners, others.

(8) Funding will be based on project-projected figures and in accordance with the PFMA. A minimum of R10 000 and a maximum of R50 000 will be considered. This programme will be available to all applicants who can show the necessity for this programme and that the skills are pertinently required within this Sector.

Funding of Cross Sector LearnershipsKey skills priorities have been identified in the Sector Skills Plan which will mean that insurance / investment stakeholders will have to access Learnerships registered by other Sector Education and Training Authorities (SETAs). Typical examples may includei) Learnerships registered by another SETA implemented by skills levy contributors in the insurance sectorii) Learnerships registered by INSETA, implemented in other sectors

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Initial Payment End of 6 Months On Completion TOTAL(Phase 1) 25% (Phase 2) 40% (Phase 3) 35%

1 Currently Employed Learners R1 500 R2 400 R2 100 R6 0002 Currently Employed R1 500 R2 400 R2 100 R6 000

Disabled Learners

3 Currently Unemployed Learners R2 500 R4 000 R3 500 R10 0004 Currently Unemployed R5 000 R8 000 R7 000 R20 000

Disabled Learners

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rPART 3

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INSETA recognises that it will have to support Learnerships registered by other sectors that address needs within our own sector. When funding from within the insurance and investment sector is requested for a cross-sectoral Learnership, the request will be considered. INSETA reserves the right to require that certain insurance/investment financial services registered unit standards are included as electives within the Learnership.

However in such cases, where the Lead Employer is not awarded the Learnership grants, the Lead Employer may access the recovery of training costs through the Workplace Planning Grant and/or Workplace Implementation Grant for cross-sectoral Learnership applications.

In most cases INSETA's approval for cross-sectoral Learnership grant applications will be governed by the following criteria. The deciding factors in this situation will be:a). Does the Lead Employer pay the skills levy to INSETA?b). Will a key skill priority identified in the Sector Skills Plan be addressed in this Learnership?e.g. i) An I.T. employee from ACME Insurance Company applies to enter into a Learnership that has been developed

by the ISETT SETA. The primary focus is insurance and the skills levy is paid by ACME Insurance Companyto INSETA, therefore INSETA will consider disbursing grants in favour of this application.

ii) A learner employed by a stakeholder paying a skills levy to INSETA, requesting an allowance to attend a Learnership in another sector, will be considered by INSETA. The employer will also be considered for the grant in respect of recovery of training costs.

iii) A learner from another sector (e.g. Banking) wishing to attend a Learnership in the Insurance sector will not receive a Learnership grant from INSETA. In this case the employer will also not be entitled to a grant in respect of recovery of training costs from INSETA.

Cross-Sectoral Learnership programmeThis programme will be structured as follows:(1) INSETA will actively market these Learnerships by providing advice on the possible conversion of existing

bursaries and financial incentives for Learning within an organisation. INSETA will promote 18.2 learners but will not necessarily exclude the 18.1 learners.

(2) An applicant will submit a Learnerships Grant Application to INSETA on the required forms.

(3) INSETA will review the Learnership Grant and make recommendations for the allocation of funds and then request Learnerships Agreements.

(4) The Lead Employer obtains a Training Provider, which may be in-house, or an outsourced provider. The same regulations apply to this training provider in that they must be accredited by a SETA. Where required the INSETA will obtain the relevant MOU's from the other SETA to ensure that the Learnership complies to the regulations.

(5) Standard progress reports must be provided to INSETA in accordance with the Learnership progress reporting policy.

(6) Learnership grants will only be paid out on progress milestones and in accordance with acceptance of the achievement plan milestones.

(7) INSQA will ensure the quality assurance and Learner verification of credits.

(8) INSQA will also ensure that the information is captured on the NLRD.This programme is available to all applicants irrespective of size or Insurance sub-sector who wish to participate in Learnerships. A MOU with other SETA's for the quality assurance related aspects will be established. Other important aspects include;(1) A Learnership agreement must be signed and a copy provided to the INSETA.(2) A MOU must be signed between the participating SETA's.(3) INSQA will assist to ensure that quality training is provided to the nominated learners.(4) Specific programmes should be identified by the Insurance Sector that is available within other Sectors for

learning.

Value of INSETA's Learnership GrantsINSETA will make the following Learnership grants available to stakeholders.r Please note that these figures include both the learner allowance and the recovery of training costs.r The full Learnership grant payments will not be paid over to Lead Employer up front. Learnership grants will be

paid over in 3 stages.

8


rPART 3

The values of both Learnership grants are determined irrespective of the level of the qualification and the number of credits to be achieved.

Process of Learnership Grant PaymentsSingle upfront payments of the full Learnership grants will not be made. Payments will only be made based on the com-pletion of defined events within the Learnership.On approval of individual Learnership Grant Application and Learnership Agreement, INSETA will follow the processdetailed below:

r It is assumed that some employers may sign a contract of employment with previously unemployed learners, at a fixed rate of remuneration.

4. Management of Learnership Project INSETA suggests that a Project Team is established by the Lead Employer to administer the Learnership project. r The INSETA Learnership Consultant may be contacted should the Lead Employer require advice and support.

The Lead Employer shall provide the INSETA Learnership Consultant / ETQA Manager with the necessary evidencethat the appropriate internal controls and governance structures are in place.

5. Progress Reportingi). An initial payment of the agreed Learnership grant in respect of recovery of training costs and learner allowances

will be paid to the Lead Employer up front upon approval of the Learnership Agreement.

ii). A progress report will be submitted by the Lead Employer to INSETA at the end of the first 6 months of the Learnership

2.

Dependant on the satisfactory / unsatisfactory outcome of the report, the INSETA will either(a) Pay over the stipulated figure, as mentioned above, of the agreed Learnership grant in respect of recovery

of training costs and learner allowances, or whichever is applicable.

(b) Should the report not be to INSETA's satisfaction, the INSETA will:

r Implement an audit of the Learnership and make recommendations to the Lead Employer in respect of improving delivery / time factors / attendance / insensitive scheduling of training sessions (e.g. month end deadlines, business commitments.) communication barriers / conflict / success rate etc.

r Whereupon, INSETA will request a further report 3 months later. - Points (a) and (b) above will then re-apply.

r Should the situation not have been resolved, INSETA may at its sole discretion, request an independent audit of the Learnership. - The cost of this audit shall be borne by the applicant. (As suggested in the INSETA Discretionary

Grant Policy Document.)

iii). The Lead Employer will submit a final report at the end of the Learnership with a request for certification of the learner, declared competent at the end of the programme, and final summative assessment3.

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2 A template will be provided by INSETA for this exercise3 A template for the final report will be provided by INSETA.

Type of Learner Grant Description Amount of Grant1 Currently Employed Learners Lead Employer grant in respect of R6 000

recovery of training costs2 Currently Employed, Disabled Learners Lead Employer grant in respect of R6 000




9


rPART 3

r Dependant on the satisfactory / unsatisfactory outcomes of the final report the following will apply.

INSETA will either

(a). Pay over the final stipulated portion of the agreed Learnership grant in respect of recovery of training costs and learner allowances where applicable, or

(b). Implement an audit of the Learnership and make recommendations to the Lead Employer in respect of improving future delivery / time factors / success rate etc. In such case, payment of the final amount of the Learnership grant will either be made / or will not be made, at INSETA's discretion. The onus would then be on the Lead Employer to justify why the final amount should be paid over.

Progress Reports for each learner as well as the Learnership Project itself, must be submitted to INSETA within 30days of the completion of Phases 2 and 3. Payments will only be made if INSETA is satisfied with the relevant reportsand they are in accordance with the Learnership project plan/ training schedule etc.

INSETA will pay claims in respect of the Learnership project or part thereof within 30 days of receipt of the relevantprogress report(s), provided that these reports meet with INSETA's satisfaction and agreed reporting requirements.

6. ExclusionsGrants will not be made for the following r Learnerships that will not add value to the Sector

r Learnership Agreements signed before INSETA Grant Application Approval

r Commencement of training activities prior to INSETA Grant Application Approval

r Training activities that are not aligned to registered unit standards or qualifications.

e.g. i. A learner from the insurance sector requesting a grant in respect of a Learnership which has not been identified as a sector key priority / need will not be allocated a grant. (This does not mean that training must stop. It may take place and recovery of training costs could be sourced from the Workplace Implementation Grant recovery process.)

ii. Another example may occur when a Lead Employer submits a Learnership Grant Application for a skill priority within the organisation that does not meet key skills priorities identified in the Sector Skills Plan. Grant applications for this initiative will not be approved by INSETA unless, the employer can motivate why the grant should be approved. The final decision will be at INSETA's discretion.

iii. An additional example could occur when a Lead Employer begins training before signing the Learnership Agreement. According to the Skills Development Regulations point 6.(4) gazetted on the 22 June 2001, no grants will be allocated before the Learnership Agreement is signed and in place. The INSETA Discretionary Grant Policy Document states the same, namely:

r The discretionary grants awarded by INSETA must be approved before the relevant training programme, initiative or research commences.

This employer can still recover the cost in terms of the Workplace Implementation Grant.

iv. Further examples may occur when the INSETA has exhausted its Discretionary Grant Funds. However, training costs may still be recovered by the employer through the Workplace Implementation Grant.

7. INSETA Learnership Grant ApprovalApproval Process1. INSETA guarantees a 30 day working day benchmark in terms of approving/disapproving a Learnership Grant

Application.

2. Upon approval, INSETA will issue the applicant with an approval / refusal to approve grant.

3. INSETA will allocate a unique Learnership Grant Application approval number.

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4 Refer to www.inseta.org.za for the full document

10


rPART 3

4. Should the Lead Employer require a Learnership Grant for the implementation of a Learnership a copy of the INSETA letter of approval must accompany the Learnership Agreement and the unique Learnership Grant Approval Number must be completed in Section 4.15 of the Learnership Agreement.

5. Should the stakeholder / applicant not apply for a Learnership grant for the recovery of training costs and/or learner allowance, the recovery costs may be claimed in respect of the Workplace Planning Grant and/or the Workplace Implementation Grant.

r Individual meetings will be held with the Lead Employer to discuss the details of the Learnership Agreement, after approval of the Learnership has been communicated to the applicant(s) by the INSETA Learnerships Consultant.

8. Non-PerformanceIn the event of non-performance in terms of the Learnership Agreement, all further recovery of training costs and learn-er allowance grant payments will be withheld by INSETA.

Should training and development activities cease, for whatever reason, the INSETA will require the return of moniesadvanced from the date of cession, within 14 days of INSETA's written request. This amount will be pro-rated accord-ing to the merits of each case. Again, the onus will fall on the Lead Employer to prove the final date of cessation andreason(s) for the stoppage.Should there be any issues relating to termination we expressly agree to a return of funds as requested by INSETA.INSETA's termination policy will apply

9. AnnexureAnnexure LFP 1In the Basic Conditions of Employment Act 75 of 1997 Sectoral Determination No 5: Learnerships, Government statesthe following

APPLICATION OF THIS DETERMINATION4

2. (1) This determination applies to -

(a) the employment of a learner -

(i) who has concluded a Learnership agreement in terms of section 17 of the Act; and

(ii) who was not in the employment of the employer party to the Learnership agreement when the agreement was concluded

(b) to every employer who employs a learner contemplated in sub-paragraph (a) in respect of the employment of that learner.

LEARNER'S ALLOWANCES3. (1) An employer must pay a learner allowance calculated in terms of this clause.

(2) Subject to sub-clause 3, a learner's allowance must be calculated as a percentage of the qualified wage in accordance with column 3 of Table A.

(3) No learner may be paid less than the applicable allowance specified in column 4 of table A.

(4) For the purposes of this clause -

(a) the "qualified wage" is the wage that the employer would pay the learner on obtaining the qualification for which the Learnership is registered;

(b) "wage" means the amount of money payable to an employee in respect of the hours of work an employee normally works, excluding any overtime.

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rPART 3

CALCULATION OF REMUNERATION AND ALLOWANCES

4. (1) A learner's allowance is calculated by reference to the number of hours the learner normally works.

(2) For the purposes of calculating the allowance of a learner, a learner is deemed normally to work -

(a) 45 hours in a week, unless the learner ordinarily works a lesser number of hours in a week;

(b) nine hours in a day, or seven and a half hours in the case of a learner who works for more than five days a week, or the number of hours that a learner works in a day in terms of an agreement concluded in accordance with clause 11, unless the learner normally works a lesser number of hours in a day.

(3) A learner's monthly remuneration or allowance is four and one-third times the learner's weekly remuneration or allowance, respectively.

(4) If a learner's remuneration or allowance fluctuates significantly from period to period, any payment to that learner in terms of this ACT must be calculated by reference to the learner's remuneration or allowance during -

(a) the preceding 13 weeks, or(b) if the learner has been in employment for a shorter period, that period.

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Table A

1 2 3 4 5Exit level Credits already Percentage of Minimum Minimum

of Learnership earned by qualified wage allowance allowance learner to be paid as per per

allowance week month(4 )

NQF Level 1 or 2 0 - 120 35% R 120.00 R 519.60

121 - 240 69% R 240.00 R 1039.20

NQF Level 3 0 - 120 17% R 120.00 R 519.60

121 - 240 40% R 226.00 R 978.58

241 - 360 53% R 370.00 R 1602.10

NQF Level 4 0 - 120 13% R 120.00 R 519.60

121 - 240 25% R 240.00 R 1039.20

241 - 360 53% R 370.00 R 1602.10

361 - 480 6% R 540.00 R 2338.20

NQF Levels 5 - 8 0 - 120 8% R 120.00 R 519.60

121 - 240 18% R 260.00 R 1125.80

241 - 360 27% R 389.00 R 1684.37

361 - 480 38% R 548.00 R 2372.84

481 - 600 49% R 700.00 R 3031.00

13

Learnership Grant Application September 2005 1

Chapter 2 Appendix 2.2

For Official INSETA Use Only

L G A

Learnership Grant Approval Number

LEARNERSHIP GRANT APPLICATION

Date Received by INSETA

INSETA Procedure for Learnership Grant Application

Application submissions * Note that individual Learnership Grant Application Forms must be submitted in respect

of every Learnership, (not every Learner). * Learnership Grants will be disbursed at the discretion of INSETA. * Learnership Grant Applications must be submitted electronically, for notification, to

INSETA at [email protected] The original (hard copy) Learnership Grant Application Form must reach INSETA at:

INSETA Ground Floor, North Wing, Oakhurst, 11 St Andrews Road or

P O Box 32035, Braamfontein, 2017, Parktown, Johannesburg

Closing date for application is 31 October 2005 end of business day

Communication of decisions Decisions in respect of Learnership funding applications will be communicated in writing to the applicant.

Please ensure that this Learnership Grant Application is fully complete.


Table of Contents Section Content Page Section 1 Lead Employer Details 3 - 4

Section 2 Intended Learnership Details 5

Section 3 Learner Details 6 - 9

Section 4 Declaration of Lead Employer 10

Section 5 Annexure 11 - 12


Additional Requirements

Applications for Learnership grants will in addition be subject to the following:

* The availability of INSETA Learnership Discretionary funds * An indication of the final number of learners within the learnership * The applicant/Lead Employer body being registered as a skills levy payer with

INSETA * Levy payments must be up to date * The learnership Grant application to be in line with the skills priorities identified in

the current Sector Skills Plan * Preference will be given to the designated groups

Refer to the Learnership Funding Policy on the INSETA Website: www.inseta.org.za


INSETA Learnership Grant Application

Please indicate (mark with an X) the type of Grant Application:

FSC Learnership

Standard Learnership

Section 1: Lead Employer Details 1. Applicant Details 1.1 Legal name of Lead Employer:

1.2 Trading name if different from above:

1.3 Which Sub-Sectors of the Insurance Sector does the Lead Employer represent:

Sub-Sector SIC Code √

Unit Trusts SIC 81901

Risk Management SIC 81902

Insurance and Pension Funding, except compulsory

social security

SIC 82110

Life Insurance SIC 82100

Pension Funding SIC 82120

Healthcare Benefits Administration SIC 82131

Short Term Insurance SIC 82191

Funeral Insurance SIC 82192

Reinsurance SIC 82193

Activities auxiliary to Financial Intermediaries SIC 83000

1.4 Physical address (Head Office):

Province: Code:

1.5 Postal address – Head Office (if different from 1.4):

Province: Code: 1.6 Name of Primary Skills Development Facilitator: 1.7 Contact details of Primary Skills Development Facilitator: Tel. Number (w)

Mobile number

Fax number

E-mail address


1.8 Name of Learnerships Co-ordinator: 1.9 Contact details of Learnerships Co-ordinator: Tel. Number (w)

Mobile number

Fax number

E-mail address

1.10 Registration/reference numbers or codes:

SARS – SDL Number1

(Should the company be exempt from paying SDL please provide proof of exemption) Company/Close Corporation/Partnership/Sole Trader Registration number 1.11 Are your skills levy payments up-to date:

Yes No 1.12 Company/business enterprise size: Business Enterprise Number of Permanently

Employed People √

Micro 0 – 9 Small 10 – 49 Medium 50 – 149 Large 150 – 999 Macro 1000 – 4999 Mega 5000 + 1.13 List the Secondary Employer/s involved in this Learnership, if applicable: In the event of the Learnership Grant Application being approved by INSETA, please provide INSETA with: 1.14 Please provide a three months Bank Statement ² and a Cancelled Cheque 1.15 Banking Details

Bank: Branch:

Branch Clearing Code:

Account number:

Account Type: Current/Cheque: Saving: Transmission:

Name of Account Holder:

Reference:

1 SARS Skills Development Levy number as per Skills Development Levies Act. ² Refer to section 3.2 of the INSETA Learnerships funding policy


Section 2: Intended Learnership Details 2. Learnership details 2.1 Name of Learnership: 2.2 To which qualification does the Learnership lead: 2.3 Qualification NLRD Registered number: 2.4 NQF level: 2.5 Is the Learnership registered by INSETA with the Department of Labour:

Yes No If the Learnership has not been registered by INSETA, which SETA has registered the Learnership? 2.6 Department of Labour Registration Number of Learnership:

2.7 List all Unit Standards to be addressed in this Learnership

FUNDAMENTAL UNIT STANDARDS

Delivery and assessment of Unit Standard

(Please tick)

Unit Standard Title Credit

Value

SAQA

Code

Theory On-Job Both


CORE UNIT STANDARDS


(Please tick)


Value

SAQA

Code

Theory On-Job Both

ELECTIVE UNIT STANDARDS


(Please tick)


Value

SAQA

Code

Theory On-Job Both


2.8 Proposed commencement date of Learnership Agreement:

2.9 Proposed termination date of Learnership Agreement:

2.10 Duration of proposed Learnership in months:

2.11 Is there a diversified funding base for this Learnership, or is the Learnership solely dependent on INSETA. If there is a diversified funding base, please give details: (Please be advised that if there is a shortfall in funding for the implementation of this Learnership, the applicant will be required to supplement the shortfall)

Section 3: Learner Details 3.1 Proposed number of currently Employed Learners to be contracted into this

Learnership:

3.2 Proposed number of currently Employed, ³Disabled Learners to be contracted into

this Learnership:

3.3 Proposed number of Unemployed Learners to be contracted into this Learnership:

3.4 Proposed number of Unemployed, Disabled Learners to be contracted into this

Learnership: 3.5 Proposed method(s) of recruiting and selecting Unemployed/Unemployed Disabled

Learners to be contracted into this Learnership:

³The Employment Equity Act defines a disability as a long-term or recurring physical or mental impairment, which substantially limits prospects of entry into or advancement in employment


3.6 Proposed Equity Targets in terms of race groups of Learners Employed/Unemployed

Selected for this Learnership:

Male

Female

African Coloured Indian White African Coloured Indian White

1. Currently Employed

Learner

2. Currently Employed

Disabled Learner

3. Unemployed Learner

4. Unemployed Disabled

Learner

Total Number of Learners

3.7 List the key priorities identified in the Sector Skills Plan that this Learnership will

address: 3.8 In terms of your organisation’s readiness to bring this Learnership to successful

completion:

a) Details of identified Accredited Learning Provider(s). (Please see website www.inseta.org.za click on Qualifty Assurance, click on Accredited Learning Providers for a list of INSQA Accredited Learning Providers). Be advised that the onus is on the Grant Applicant to verify the accreditation status of the Learning Provider(s).

Theory component: Names of

Learning

Providers

Accreditation

Number

Primary

Accrediting

ETQA

Commencement

date of

accreditation

Termination date

of accreditation


Name of assessors Identification

number of

assessor/s

Assessor/s

Registration number

Unit Standards to be

assessed

Name of moderators Identification

number of

moderator/s

Moderator/s

Registration number


moderated

On-the-job component: Names of

Learning

Providers

Accreditation

Number

Primary

Accrediting

ETQA

Commencement

date of

accreditation

Termination date

of accreditation

Name of assessors Identification

number of

assessor/s

Assessor/s

Registration number


assessed


Name of moderators Identification

number of

moderator/s

Moderator/s

Registration number


moderated

* We wish to draw your attention to the ETQA Policy for Accreditation of providers of training and assessment which is available on the website www.inseta.org.za. Please note that approval is subject to the related criteria and conditions being fulfilled throughout the duration of the Learnership.

b) Mention other factors that would indicate your organisations readiness:

3.9 How many Unemployed Learners do you anticipate employing upon completion of

this Learnership? (Please note: There is no obligation to employ the unemployed learner at the end of the Learnership).

3.10 Provide a table with the details of currently Employed Learners to take part in this

Learnership. Provide: name, race, gender, citizenship, highest levels of education, highest qualification/s attained, occupational category and job title. (Attach table to this page).

3.11 Please provide letters of support for the Learnership from within your organisation:

(For example from: Previous learners, Managers, Relevant Stakeholders, etc.)


Section 4: Declaration of Lead Employer

* It is an offence in terms of the Skills Development Act of 1998 to provide false or misleading information in this Application.

* Your application will be rejected should false or misleading information be found in this application.

* INSETA reserves the right to verify the documented responses. We declare that the information provided is correct and according to our knowledge the signatories have the authority to bind the company accordingly. Furthermore we have satisfied ourselves to the extent, nature and regulations governing the proposed Learnership Grants. The Applicant will take full responsibility for repayment of the provided Learnership Grants should a learner terminate, irrespective of reasons. The Company also acknowledges that INSETA reserves the right to determine the amount to be repaid. Furthermore any shortfall in funding will be covered by the Company’s training budget or other funds identified by the Company.

Name of Representative of Lead Employer (Please print) (Who has the authority to bind the Company)

Signature of Representative of Lead Employer

Date

Witness Name (Please print)

Witness signature

Date


1


General Statutory Checklist

Version 6.0 7/04/2003

FOR IN

SETA

USE ONLY

APPENDIX 2.3

FOR INSETA INTERNAL USE ONLY

General Statutory checklist (For Learnership Grant Applications)

DESCRIPTION OF CHECKLIST ITEMS(Ensure that these ARE documented in the Application)

If any of the questions are answered in the negative: Reject or discuss

SKILLS DEVELOPMENT ACT NO: 97 OF 1998 (Chapter 4)

? Does the Grant Application ensure that the Learnership includes practical work experience of a specified nature and duration

? Will the Grant Application lead to a Qualification registered by the South African Qualifications Authority and related to an occupation

? Is the Grant Application for a Learnership that is registered with the Director-General: DOL

? Does the Grant Application indicate that a Learnership Agreementwill be concluded between the Learner, the Employer and the Training Provider

? Is the Learnership a Sector Skills Priority with INSETA (not statutory but relevant here)

? Is the Lead Training Provider accredited in accordancewith Section 17 of the Skills Development Act?

2

Learnership Implementation GuideGeneral Criteria Checklist

Version 6.0 7/04/2003

FOR IN

SETA

USE ONLY

APPENDIX 2.4

FOR INSETA INTERNAL USE ONLY

General INSETA criteria checklist (For Learnership Grant Applications)

DESCRIPTION OF CHECKLIST ITEMS(Ensure that these ARE documented in the Learnership Grant Application)

Mark the appropriate block

INSETA Learnerships Funding Policy: April 2002: Received from INSETA

? Has the application been logged with INSETA (Yes) (No)

? Is there an availability of funds (Yes) (No)

? Is the application promoting the identification, generation and registration (Yes) (No)of Sector relevant Qualifications

? Does the application, promote employment equity and related skills development (Yes) (No)

? Does the application promote those Learners from designated groups (Yes) (No)

? Does the application promote skills development within the Sector (Yes) (No)(Is the Learnership relevant to the Sector)

? Is the Lead Employer a skills levy payer (Yes) (No)

? Is the Lead Employer identified in the Application (Yes) (No)

? Has a Project team been established to administer the Learnership project (Yes) (No)

? Has proof been provided by the Lead Employer that the appropriate internal (Yes) (No)controls and governance structures are in place

? Has the Lead Employer indicated that they will take responsibility for (Yes) (No)supplying INSETA with regular progress reports

Cross Sector Learnerships? Is this Learnership Grant application for a Cross Sector Learnership (Yes) (No)

? Does the Lead Employer pay the skills levy to INSETA (Yes) (No)

? Will a key skill priority identified in the Sector Skills Plan (Yes) (No)be addressed in this Learnership

Exclusions criteria? Does this Learnership add value to the Sector (Yes) (No)

(if the response is No, then a Grant cannot be made)

? Was the Learnership agreement signed before the INSETA (Yes) (No)Grant Application approval (if the response is Yes, then a Grant cannot be made)

? Did training activities commence prior to the INSETA Grant Application approval (Yes) (No)(if the response is Yes, then a Grant cannot be made)

? Are the training activities aligned to registered Unit Standards or Qualifications (Yes) (No)(if the response is No, then a Grant cannot be made)

Learnership Agreement – September 2005 1

Learnership Agreement

PLEASE TAKE NOTE OF THE FOLLOWING Learnership Grant Applications:

• Applications for Learnership Grants MUST be made and approved by INSETA before any training or other activity starts.

• The Learnership Grants offered under INSETA Discretionary Grants will be paid at the discretion of the INSETA. INSETA will decide which Grants it will approve on the basis of the contribution that the skills development activities being proposed make to the implementation of the Sector Skills Plan.

• Information relating to Learner Allowances can be found in the Learnership Funding Policy on the INSETA website: www.inseta.org.za

Learnership Agreements:

• In terms of Government Gazette No. R330 (3rd April 2001), Section 3.3 (b) the Lead Employer should submit an original copy plus an electronic copy of the Learnership Agreement to INSETA. Once approved, an approval letter will be returned to the Lead Employer. The original will be retained by INSETA for administrative purposes

• If the Learner is not already in the employ of the Employer, the Learner and Employer must conclude a contract of employment.

• If the Learner is a minor then the Learner’s parent or guardian must be a party to this Agreement and must complete section 3. The parent or guardian ceases to be a party to this Agreement once the Learner attains majority.

• If a group of Employers are party to this Agreement, one of the Employers must perform the function of a Lead Employer. The Lead Employer must complete section 4 and details of the other Employers must be attached on a separate sheet, as per annexure LA5.

• If a group of Accredited Training Providers are party to this Agreement, one of the Providers must perform the function of Lead Training Provider. The Lead Training Provider must complete section 5 and details of the other Accredited Training Providers must be attached on a separate sheet, as per annexure LA6.

• If the employer and the Accredited Training Provider as the same entity. The lead employer must complete sections 4 and 5.

• Please ensure that you have made copies of the Learnership Agreement for all parties concerned since Inseta WILL NOT make copies for you or make the Learnership Agreement available to you after it has been submitted to Inseta.

General:

• Should you require further assistance/information regarding this document, please contact Aubrey Maseko or Pam Erasmus at INSETA, on (011) 544 2000, Fax (011) 484 0862 or e-mail: [email protected] or [email protected]

• All supporting documentation relating to this document can be found on the INSETA website: www.inseta.org.za

• Answer questions by marking the appropriate block with an X where applicable. • Please submit only the relevant and correctly completed annexure. • When completing the Learnership Agreement use only black ink and print clearly. • All parties are to initial every page of the Learnership Agreement. • Please submit a copy of the Learner Achievement Plan. • Please submit certified copies of all relevant Identity Documents. • Please submit a certified copy of the Employment Contract. • Please submit a certified copy of the Grade 12/Matric Certificate. • For disabled learners please submit proof of disability for example, medical certificate,

disability grant notice, etc. • Please submit copy of signed Service Level Agreement (SLA) between Lead Employer and

Lead Training Provider.


Table of Contents


Section 1 Learner Details 3

Section 2 Learnership Details 5

Section 3 Parent / Guardian Details 8

Section 4 Lead Employer Details 10

Section 5 Lead Training Provider Details 13

Section 6 Terms and Conditions of Employment 15

Section 7 Rights and Duties of the Parties 16

Section 8 Annexures 21

LA 1 Insurance Sector / Department of Labour 22

Occupational Categories

LA 2 Department of Labour Occupation Levels 25

LA 3 Insurance Sector Indicator Codes (SIC) 25

LA 4 Seta Identification Codes 26

LA 5 Secondary Employer Site Details 27

LA 6 Secondary Training Provider Details 29

LA 7 Learner Achievement Plan Template 31


Lead Training Provider SDL Number:

Lead Employer SDL Number:

Section 1

1. LEARNER DETAILS

1.1 Title (Mr / Ms / Mrs / Dr / Prof / Other):

1.2 Name/s and Surname in full:

1.3 RSA Identity number / Passport number:

1.4 Date of birth1:

1.5 Gender:

Male Female

1.6 Race as per the Employment Equity Act 55 of 1998:

African Indian

Coloured White

1.7 Nationality:

1.7.1 What language(s) do you speak at home:

1.8 Citizen Residential Status2:

(Specify and attach documents indicating your status, for example:

Permanent residence, study permit, etc.)

SA Citizen Permanent Resident

Study Permit Work Permit

1.9 Were you employed by your employer before concluding this

Agreement:

Yes No

1 Should the learner be under the age of 21 years (a minor), Section 3 of this document must be completed by a Parent or Guardian. 2 Please provide proof of Citizenship / Residence / Study / Work status signed by Commissioner of Oaths.


1.10 Do you have a disability, as contemplated by the Employment Equity

Act 55 of 19983:

Yes Specify:

No

1.11 Commencement date of Learnership agreement:

1.12 Termination (End) date of Learnership agreement:

1.13 Learner Contact Details

Tel. Number (h)

Tel Number (w)

Mobile number

Fax number

E-mail address

1.14 Postal address (if different from above)

Code:

1.15 Region (Province)

1.16 Highest level of education attained and title of highest qualification

where applicable (e.g. Standard 7/Grade 9, ABET Level 3, Diploma,

Degree, etc.). Please attach certified proof AS WELL as a certified

copy of your Matric / Grade 12 certificate.

1.17 Have you previously undertaken a learnership registered on the NQF:

Yes (specify title and code):

No

3 The Employment Equity Act defines a disability as a long-term or recurring physical or mental impairment, which substantially limits prospects of entry into, or advancement in, employment. Please provide proof of disability.


Section 2

2. LEARNERSHIP DETAILS

2.1 Name of Learnership:

2.2 Department of Labour registration number of Learnership:

2.3 Please tick the relevant National Standards Body (NSB):

NSB Organising Fields of Learning

01 Agriculture and Nature Conservation

02 Culture and Arts

03 Business, Commerce and Management Studies

04 Communication Studies and Language

05 Education, Training and Development

06 Manufacturing, Engineering and Technology

07 Human and Social Studies

08 Law, Military Science and Security

09 Health Science and Social Services

10 Physical, Mathematical, Computer and Life Sciences

11 Services

12 Physical Planning and Construction

2.4 Please state National Standards Body sub-field:

e.g. Finance, Economics and Accounting


2.5 List of Unit Standards for this Learnership

Please refer to the appropriate Qualification for this Learnership and indicate

chosen unit standards. Please supply unit standard title, credit value and

SAQA code.

Name of Qualification:

FUNDAMENTAL LEARNING

Communication:

Unit Standard Title Credit Value SAQA Code Name of

provider that

will offer this

Unit Standard

Mathematics:


provider that

will offer this

Unit Standard

Other e.g. Financial Literacy:


provider that

will offer this

Unit Standard


CORE LEARNING


provider that

will offer this

Unit Standard

ELECTIVE UNIT STANDARDS


provider that

will offer this

Unit Standard


Section 3

3. PARENT OR GUARDIAN DETAILS

(To be completed if leaner is a minor4)

3.1 Name/s and Surname in full:

3.2 Title (Mr / Ms / Mrs / Dr / Prof / Other):

3.3 RSA Identity number / Passport number:

3.4 Date of birth:

3.5 Nationality:

3.6 Citizen Residential Status5:

(Specify and attach documents indicating your status, for example: permanent

residence, study permit, etc.)

SA Citizen Permanent Resident

Study Permit Work Permit

3.7 Gender:

Male Female

3.8 Home address:

Code:

3.9 Postal address (if different from above):

4 For the purposes of this document a minor is defined as an unmarried person under 21 years of age – A person under 21 years of age may attain majority as a result of a High Court Declaration or marriage. INSETA reserves the right to request certified copies of the High Court Declaration of Majority / or a Marriage Certificate. 5 Please provide proof of Citizenship / Residence / Study / Work status signed by a Commissioner of Oaths.


Code:

3.10 Parent or Guardian Contact Details:

Parent/Guardian Alternative contact person

Tel. Number (h) Name

Tel number (w) Tel number (h)

Mobile number Tel number (w)

Fax number Mobile number

E-mail address Fax number

E-mail address


Section 4

4. LEAD EMPLOYER DETAILS

4.1 Legal name of employer:

4.2 Trading name (if different from above)

4.3 Which sub-sectors of the Insurance sector do you represent:

Short term Insurance Healthcare Benefits Administration




Collective Investments Activities auxiliary to Financial

Intermediaries

4.4 Are you acting as Lead Employer:

Yes No


Province: Code:

4.6 Postal address – Head Office (if different from 4.5):

Province: Code:

4.7 Name of contact person at Head Office:

4.8 Designation of contact person at Head Office:

4.9 Lead Employer Contact Details:

Lead Employer Alternative contact person

Tel number (w) Name

Mobile number Tel number (w)

Fax number Mobile number


E-mail address Fax number

E-mail address

4.10 Learnership Project Manager (day to day co-ordinator) Contact Details:

Project Manager:

Name

Designation

Tel. Number (w)

Mobile number

Fax number

E-mail address

4.11 Registration / reference numbers or codes:

SIC6

SARS – SDL number7

SETA8

Company / Close Corporation / Partnership / Sole Trader number

4.12 Company / business enterprise size9

Business Enterprise Number of Permanent People

Employed

Micro 0 – 9

Small 10 – 49

Medium 50 – 149

Large 150 – 999

Macro 1000 – 4999

Mega 5000 +

4.13 Does the learning occur at:

A single employer learning site

Multiple employer learning sites

If the learning occurs at multiple employer learning sites, information is

required for each site involved10.

6 Refer to Annexure LA 3 Sector Indicator Codes (SIC) for the insurance sector. 7 SARS Skills Development Levy number as per Skills Development Levies Act. 8 Refer to Annexure LA 4 Seta Identification Codes 9 INSETA requires statistical information for Department of Labour reporting purposes.


4.14 Has the Lead Employer applied for a Learnership Grant:

Yes No

4.15 Learnership Grant Application Approval number allocated by INSETA:

L G A

10 Complete Annexure LA 5 Secondary Employer Site Details for every Secondary Employer, as further information is required for each site involved.


Section 5

5. LEAD TRAINING PROVIDER DETAILS

5.1 Legal name of Lead Accredited Training Provider:

5.2 Trading name (if different from above):

5.3 Are you acting as Lead Accredited Training Provider:

Yes No

5.4 Are there Secondary Accredited Training Providers involved in the

Learnership:

Yes11 No

5.5 Are you an internal or external provider:

Internal External


Province: Code:

5.7 Postal address (if different from 5.6):

Province: Code:

5.8 Name of contact person (Head Office):

5.9 Lead Accredited Training Provider Contact Details

Tel. Number (w)

Mobile number

Fax number

E-mail address

11 Complete Annexure LA 6 Secondary Training Provider Details for every Secondary Provider.


5.10 Registration / reference numbers or codes

SIC12

SETA13


ETQA15

Company / Close Corporation / Partnership / Sole Trader number:

5.11 Date of registration as training provider16:

5.12 Name of ETQA where accredited:

5.13 Please indicate and attach proof of status of accreditation:

Interim

Full

Provisional

Other

5.14 Date of Provider Accreditation by ETQA:

5.15 Termination date of Provider Accreditation by ETQA:

12 Refer to Annexure LA 4 Sector Indicator Codes (SIC) for the Insurance sector. 13 Refer to Annexure LA 5 SETA Identification Codes. 14 SARS Skills Development Levy number as per Skills Development Levies Act. 15 ETQA provider accreditation number. 16 Please note that this is the date of registration and NOT the date of accreditation.


Section 6

6. TERMS AND CONDITIONS OF EMPLOYEMENT

6.1 Are the learner’s terms of employment determined by a document of general

application (e.g. section 18(3) determination, sectoral determination17),

bargaining council agreement, collective agreement:

Yes No

If YES, specify:

Please attach a copy of the document

6.2 Attach a copy of the document reflecting the learner’s conditions of

employment for learners who were not employed by the employer when the

agreement was concluded as contemplated by section 18(2) of the Act (e.g.

contract of employment, written particulars of employment)18.

17 To access the entire Basic Conditions of Employment act 75 of 1997 Sectoral Determination No. 5: Learnerships, please go to the INSETA website: www.inseta.org.za.learnerships 18 To access a Sample Employment Contract, please go to the INSETA website: www.inseta.org.za.learnerships


Section 7

7. RIGHTS AND DUTIES OF THE PARTIES

1. Rights of learners, employers and registered training providers

1.1 Learner

The learner has the right to:

1.1.1 Be educated and trained in terms of this Agreement;

1.1.2 Have access to the required resources to receive training in terms of the

Learnership;

1.1.3 Have his or her performance in training assessed and have access to the

assessment results;

1.1.4 Receive a certificate upon successful completion of the learning;

1.1.5 Raise grievances in writing with the SETA concerning any shortcomings in the

training.

1.2 Employer

The employer has the right to require the learner to:

1.2.1 Perform duties in terms of this Agreement; and

1.2.2 Comply with the rules and regulations concerning the employer’s business

concern.

1.3 Training provider

1.3.1 The registered training provider has the right of access to the learner’s books,

learning material and workplace, if required.

2. Duties of learners, employers and registered training providers

2.1 Learner

The learner must:

2.1.1 Work for the employer as part of the learning process;

2.1.2 Be available for and participate in all learning and work experience required

by the Learnership;

2.1.3 Comply with workplace policies and procedures;

2.1.4 Complete any timesheets or any written assessment tools supplied by the

employer to record relevant workplace experience;


2.1.5 Attend all study periods and theoretical learning sessions with the training

provider and undertake all learning conscientiously; and

2.1.6 Provide a written progress report as proof of achievement on a regular basis

to the INSETA.

2.1.7 Allow INSETA to publish details of their learnership, including but not limited

to their NQF level and the phase of their employment.

2.2 Employer

2.2.1 The employer must comply with its duties in terms of all applicable legislation

including:

• Skills Development Act, and any applicable determination made in terms of

section 18(3) of this Act;

• Basic Conditions of Employment Act (No. 75 of 1997);

• Labour Relations Act (No. 66 of 1995);

• Employment Equity Act (No. 55 of 1998);

• Occupational Health and Safety Act (No. 85 of 1993) or Mine Health and

Safety Act (No. 27 of 1996);

• Compensation for Occupational Injuries and Diseases Act (No. 130 of 1993).

2.2.2 Provide the learner with appropriate training in the work environment to

achieve the relevant outcomes required by the Learnership;

2.2.3 Provide appropriate facilities to train the learner in accordance with the

workplace component of learning;

2.2.4 Provide the learner with adequate supervision at work;

2.2.5 Release the learner during normal working hours to attend off-the-job

education and training required by the Learnership;

2.2.6 Pay the learner the agreed learning allowance both while the learner is

working for the employer and while the learner is attending approved off-the-

job training;

2.2.7 Conduct on-the-job assessment, or cause it to be conducted;

2.2.8 Keep up to date records of learning and periodically discuss progress with the

learner;

2.2.9 Provide a written progress report as proof of achievement, on a regular basis,

to the INSETA.

2.2.10 If the learner was not in the employment of the employer at the time of

concluding this Agreement, advise the learner of –


(a) The terms and conditions of his or her employment, including the learning

allowance; and

(b) Workplace policies and procedures.

2.2.11 Apply the same disciplinary, grievance and dispute resolution procedures to

the learner as to other employees.

2.3 Training provider

The training provider must:

2.3.1 Provide education and training in terms of the Learnership;

2.3.2 Provide the learner support as required by the Learnership;

2.3.3 Record, monitor and retain details of training provided to the learner in terms

of the Learnership;

2.3.4 Conduct off-the-job assessment in terms of the Learnership, or cause it to be

conducted; and

2.3.5 Provide reports to the employer on the learner’s performance.

3. Termination of Agreement

This Learnership agreement terminates;

3.1 On the termination date stipulated in Section 1 of this Agreement; or

3.2 On an earlier date if:

3.2.1 The learner successfully completes the Learnership;

3.2.2 The learner is fairly dismissed by the employer for a reason related to the

learner’s conduct or capacity as an employee;

3.2.3 The employer and learner agree to terminate the Agreement; or

3.2.4 The INSETA approves a written application to terminate the Agreement by the

learner or, if good cause is shown, by the employer.

4. Disputes

If there is a dispute concerning any of the following matters, it may be referred to the

Commission for Conciliation, Mediation and Arbitration (CCMA):


4.1 The interpretation or application of any provision of this Agreement, the learner’s

contract of employment or a sectoral determination made in terms of section

18(3) of the Skills Development Act; 1998 (Act no. 97 of 1998).

4.2 Chapter 4 of the Skills Development Act; 1998 (Act no. 97 of 1998).

4.3 The termination of this Agreement or the learner’s contract of employment.

5. Declaration of Parties

• We understand that this agreement is legally binding. We understand that it is

an offence in terms of the Skills Development Act of 1998 to provide false or

misleading information in this Agreement.

• It is expressly understood that the relationship between the Learner(s) /

Employer(s) / Training Provider(s) / parent or Guardian in no way constitutes

an employment relationship with the INSETA.

• We agree to the rights and duties contained in this document.

• These rights and duties are not transferable.

Learner’s Name

Parent or Guardian’s Name

Learner’s signature

Parent or Guardian’s signature

(Only if the learner is a minor)

Date

Date

Witness Name

Witness Name

Witness signature

Witness signature

Date

Date


Declaration of Parties (cont.)

• We understand that this agreement is legally binding. We understand that it is

an offence in terms of the Skills Development Act of 1998 to provide false or

misleading information in this Agreement.

• It is expressly understood that the relationship between the Learner(s) /

Employers / Training Providers / Parents or Guardians in no way constitutes

employment relationship with the INSETA.

• We agree to the rights and duties contained in this document.

• These rights are not transferable.

Name of Representative of Lead

Employer

Name of Representative of Lead

Accredited Training Provider

Signature of Representative of Lead

Employer

Signature of Representative of Lead

Accredited Training Provider

Date

Date

Witness Name

Witness Name

Witness signature

Witness signature

Date

Date




Section 8

Annexures

LA 1 Insurance Sector / Department of Labour Occupational Categories

LA 2 Department of Labour Occupational Levels

LA 3 Insurance Sector Indicator Codes (SIC)

LA 4 SETA Identification Codes

LA 5 Secondary Employer Site Details

LA 6 Secondary Accredited Training Provider Details

LA 7 Individual Learner Achievement Plan


Annexure LA 1 Employment Equity Occupational Categories

Occupational Categories as detailed in the Employment Equity Act 55 of 1998 and

adapted for the Insurance Industry’s Workplace Skills Plans and Annual Training

Reports.

Senior Officials and Managers

This group includes occupations whose main

tasks consist of determining and formulating

policy and strategic planning, directing and

coordinating the policies and activities of the

organisation in the private and public sectors

determining and formulating laws and for

directing and controlling the functions of the

organisation.

Chief Executive Officer, President, Vice

President, Chief Operating Officers, General

Managers, Divisional Heads, Admin

Managers, Financial Managers, Production

Managers, Managing Director, Chief

Consultant, Local Manager, etc.

Professionals


tasks require a high level of professional

knowledge and experience in the fields of

physical and life sciences, or social sciences

and humanities. The man tasks consist of

increasing the existing stock of knowledge,

applying scientific and artistic concepts and

theories to the solution of problems, and

teaching about the foregoing in a systematic

manner.

Lawyers, Biologists, Psychologists,

Accountants, System Analysts, Assessors,

Valuators, Computer Programmers, Teaching

Professionals, Management Consultants,

Medical Practitioners, Social Workers,

Business Analysts, Assistant Managers

(Legal). Etc.

Technicians and Associate Professionals


tasks require technical knowledge and

experience in one or more fields of the

physical and life sciences, or the social

sciences and humanities. The main tasks

consist of carrying our technical work

connected with the application of concepts

and operational methods in the above-

mentioned fields and in teaching at certain

education levels.

Computer Programmers, Nurses,

Physiotherapists, Occupational Therapists,

Product Designers, Translators and

Interpreters, Writers and Editors, Specialized

Inspectors and Testers of Equipment,

Vocational Instructors, Technicians, Pilot,

Broker, Designer, Quality Inspector, IS

Operator, IS Job Scheduler, IS Shift Leader,

Consultant, Assessor, PC Support

Specialists, Network Technician, PC Trainer,

Training Specialist, Audit Inspector, Branch

Training Officer, Senior Consultant,

Programmer, IS Superintendent, IS

Operations Controller, Business Analyst,


Audit Specialist, HR Superintendent,

Research Analyst, etc.

Clerks


tasks require the knowledge and experience

necessary to organise, store, compute and

retrieve information. The main tasks consist

of performing secretarial duties, operating

word processors and other office machines,

recording and computing numerical data, and

performing a number of customers orientated

clerical duties, mostly in connection with mail

services, money-handling operations and

appointments.

Bookkeepers, Tellers, Cashiers, Collectors

(bills and accounts), Messengers and Office

Helpers, Office Machine Operators, Mail

Clerks, Typists, Telephone Operators,

Electronic Data Processing Equipment

Operators, Clerks, Secretaries, Coders,

Switchboard Operators, Administrative

Assistants, Store Clerks, Receptionists,

Section Head, Accounts Clerk, Admin

Superintendent, Accounts Superintendent, IS

Administrator, etc.

Service and Sales Workers



necessary to provide personal and protective

services and to sell goods in shops or

markets. The main tasks consist of providing

services related to travel, housekeeping,

catering, personal care, protection or

individuals and property, and maintaining law

and order, or selling goods in shops or

markets.

Attendants, Nurses’ aides, Orderlies, Food

and Beverage serving occupations,

Housekeeping, Childcare occupations,

Advertising Agents, Sales workers, Sales

Clerks, Stock Brokers, Insurance Brokers,

Sales people of Technical and Business

Services Supervisor Local Office Clerk, U/W,

Clerk, U/W Section Head, Claims Clerk,

Inspector, Marketing Assistant, Tele-service

Operator, U/W Superintendent, Claims

Section Head, Local Manager, Investigator,

Claims Superintendent, Sub-branch

Manager, Production Superintendent, Local

Office Superintendent, etc.

Craft and Related Trades



of skilled trades and handicrafts, which,

among other things, involve an understanding

of materials and tools to be used, as well as

all stages of the production process, including

the characteristics and the intended use of

the final product. They are frequently journey

men/women who have received an extensive

period of training. The main tasks consist of

extracting raw materials, constructing

Print Works Section Head, Print Works

Artisan


buildings and other structures and making

various products, as well as handicraft goods.

Plant and Machine Operators



necessary to operate and monitor large scale

and often highly automated industrial

machinery and equipment. The main tasks

consist of operating and monitoring or mining,

processing, and production machinery and

equipment, as well as driving vehicles and

driving and operating mobile plant, or

assembling products from components.

Truck drivers, bus drivers, photographic

processors, sound and video recording

equipment operators, Production machine

workers, etc.

Elementary Occupations

The group covers occupations which mostly

require relatively low/elementary levels of

knowledge and experience necessary to

perform mostly dimple and routine tasks,

involving the use of hand held tools and in

some cases considerable physical effort, and

with few exceptions, limited personal initiative

and judgment. The main tasks consist of

selling in streets, door-keeping and property

watching, as well as cleaning, washing,

pressing, and working as labourers in the

fields of mining, agriculture and fishing,

construction and manufacturing.

Garage attendants, Car Washers, Gardeners,

Garbage collectors, Sweepers, Assistants,

Print Works Assistants, Clerks, etc.

Non-Permanent Employees

Please note

In the Employment Equity Act 55 of 1998

User Guide, it is suggested that for reporting

purposes, non-permanent employees refer to

those who are employed to work for less than

24 hours per month, or those engaged to

work for less than 3 continuous months.


Annexure LA 2 Employment Occupational Levels

Occupation Levels as detailed in the Employment Equity Act 55 of 1998:

Occupational Levels

• Top Management

• Senior Management

• Professionally qualified and experienced specialists and mid-management

• Skilled technical and academically qualified workers, junior management,

supervisors, foremen, and superintendents

• Semi-skilled and discretionary decision making

• Unskilled and defined decision making

• Non-permanent employees

Annexure LA 3 Sector Indicator Codes (SIC)

Insurance Sector Indicator Codes (SIC)

1. Collective Investments SIC 81901

2. Risk Management SIC 81902

3. Insurance and pension funding,

except compulsory social security

SIC 82110

4. Life insurance SIC 82100

5. Pension funding SIC 82120

6. Healthcare benefits administration SIC 82131

7. Short term insurance SIC 82191

8. Funeral insurance SIC 82192

9. Reinsurance SIC 82193

10. Activities auxiliary to financial

intermediaries

SIC 83000



1. FASSET – Financial and Accounting Services

2. BANKSETA – Banking Sector Education and Training Authority

3. CHIETA – Chemical Industries Education and Training Authority

4. TEXTILES – Clothing, Textiles, Footwear and Leather Sector Education and Training

Authority

5. CETA – Construction Education and Training Authority

6. DIDTETA – Diplomacy, Intelligence, Defence and Trade & Industry Sector Education

and Training Authority

7. ETDP SETA – Education, Training and Development Practices Sector Education and

Training Authority

8. ESETA – Energy Sector Education and Training Authority

9. FOODBEV – Food and Beverages Manufacturing Industry Sector Education and

Training Authority

10. FIETA – Forest Industries Sector Education and Training Authority

11. HWSETA – Health and Welfare Sector Education and Training Authority

12. ISETT – Information Systems, Electronics and Telecommunications Technologies

13. INSETA – Insurance Sector Education and Training Authority

14. LGWSETA – Local Government, Water and Related Services Sector Education and

Training Authority

15. MAPPP – Media, Advertising, Publishing, Printing and Packaging

16. MQA – Mining Qualifications Authority

17. MERSETA – Manufacturing, Engineering and Related Services Education and

Training Authority

18. –

19. POSLECSETA – Police, Private Security, Legal and Correctional Services

20. PAETA – Primary Agriculture Education and Training Authority

21. PSETA – Public Services Sector Education and Training Authority

22. SETASA – Secondary Agriculture Sector Education and Training Authority

23. SERVICES – Services Sector Education and Training Authority

24. –

25. THETA – Tourism and Hospitality Education and Training Authority

26. TETA – Transport Education and Training Authority

27. W&RSETA – Wholesale and Retail Sector Education and Training Authority


Annexure LA 5 Secondary Employer Site Details

Please make the appropriate number of copies and complete records for EACH

Employer site.

LA 5.1) Legal name of Secondary Employer:

LA 5.2) Trading name (if different from above):

LA 5.3) Which Sub-Sector(s) of the Insurance Sector do you represent?

Short term Insurance Healthcare Benefits Administration




Activities auxiliary to Financial Collective Investments

Intermediaries

LA 5.4) Physical address:

Province: Code:

LA 5.5) Postal address (if different from LA 5.4):

Province: Code:

LA 5.6) Name of contact person (at Secondary Employer site):

LA 5.7) Secondary Employer contact details:

Tel. Number (w):

Mobile number:

Fax number:

E-mail address:

LA 5.8) Registration numbers and codes:


SIC19

SETA20



LA 5.9) Company / business enterprise size22

Business Enterprise Number of Permanently Employed People

√

Micro 0 – 9 Small 10 – 49 Medium 50 – 149 Large 150 – 999 Macro 1000 – 4999 Mega 5000 +

19 Refer to Annexure LA 3 Sector Indicator Codes (SIC) for the insurance sector. 20 Refer to Annexure LA 4 Seta Identification Codes. 21 SARS Skills Development Levy number as per Skills Development Levies Act. 22 INSETA requires statistical information for Department of Labour reporting purposes.

The INSETA reserves the right to request further information.


Annexure LA 6 Secondary Accredited Training Provider Details

Please make the appropriate number of copies and complete records for EACH Accredited

Training Provider site.

LA 6.1) Legal name of Secondary Accredited Training Provider:

LA 6.2) Trading name (if different from above):

LA 6.3) Are you an internal or external provider:

Internal External

LA 6.4) Physical address (Head Office):

Province: Code:

LA 6.5) Postal address (if different from LA 6.4):

Province: Code:

LA 6.6) Name of contact person (Head Office):

LA 6.7) Secondary Training Provider Contact Details:

Tel. Number (w):

Mobile number:

Fax number:

E-mail address:

LA 6.8) Registration / reference numbers or codes:

SIC23

SETA24

23 Refer to Annexure LA 3 Sector Indicator Codes (SIC) for the Insurance sector. 24 Refer to Annexure LA 4 SETA Identification Codes.



ETQA26


LA 6.9) Date of registration as a training provider27

LA 6.10) Name of ETQA where accredited:

LA 6.11) Please indicate and attach proof of status of accreditation:

Interim

Full

Provisional

Other

LA 6.12) Date of Provider Accreditation by ETQA:

LA 6.13) Termination date of Provider Accreditation by ETQA:

25 SARS Skills Development Levy number as per Skills Development Levies Act. 26 ETQA provider accreditation number. 27 Please note that this is the date of registration and NOT the date of accreditation.

The INSETA reserves the right to request further information.


Annexure LA 7 Individual Learner Achievement Plan

Please take note:

This document MUST be submitted together with the Learnership Agreement.

Section A: Learner and Learnership infomation

Name and Surname of Learner:

RSA Identity/Passport Number:

Title of Learnership:

DOL Registration Number:

Title of Qualification:

Learnership Commencement Date:

Learnership Termination Date:

Section B: Unit Standard achievement details (Per Learner)

List all the Unit Standards to be achieved every THREE MONTHS over the duration of this

Learnership:

e.g. A Learnership has a duration of 12 Months starting January and ending December. A

separate table MUST be completed for each of the following periods:

• 01 January - 31 March

• 01 April – 30 June

• 01 July – 30 September

• 01 October – 31 December

Four tables are attached. Add additional tables as required.

Period: Start of three month interval To: End of three month interval

FUNDAMENTAL UNIT STANDARDS

Communication

Unit Standard Title Credit Value SAQA Code

Insert Unit Standard Title

Mathematical Literacy

Unit Standard Title Credit Value SAQA Code



Other e.g. Financial Literacy Unit Standard Title Credit Value SAQA Code


CORE UNIT STANDARDS Unit Standard Title Credit Value SAQA Code


ELECTIVE UNIT STANDARDS Unit Standard Title Credit Value SAQA Code


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Learnership Implementation GuideGeneral Regulatory Checklist

Version 6.0 7/04/2003

FOR IN

SETA

USE ONLY

APPENDIX 2.6

FOR INSETA INTERNAL USE ONLYGeneral Regulatory checklist (For Learnership Agreements)

DESCRIPTION OF CHECKLIST ITEMS(Ensure that these ARE documented in the Learnership Agreement document)

The correct response is noted in ( )

Learnership Regulations 2001: Terms and Conditions of Agreement These are obtained from the Dept. of Labour? Have the rights of Learners, Employers and registered Training Providers (No)

been altered or removed within the Agreement.

? Have the duties of Learners, Employers and registered Training Providers (No)been altered or removed within the Agreement

? Have any of the Termination clauses been altered or removed within the Agreement (No)

? Have any of the Dispute resolution clauses been removed or altered within the Agreement (No)

Details of the Learnership and Parties: Have all the details been provided by the Applicant? Have all the Learnership details been completed (Yes)

? Have all the Learner details been completed (Yes)

? Have all the Parent or Guardian details been completed (in cases where the Learner is a minor) (Yes)

? Have the Guardians provided proof of citizenship, etc, signed by Commissioner of Oaths (Yes)

? Have all the Employer details been completed (Yes)

? Have all the Training Provider details been completed (Yes)

Terms and Conditions of Employment? Have the Learner's terms of employment determined by a document of general application (Yes)

(for example, Section 18(3) determination, sectoral determination, bargaining council agreement, collective agreement) been specified (where required)

? Has a copy of a document reflecting the Learner's conditions of employment for Learners (Yes)who were not employed by the Employer when the agreement was concluded as contemplated by Section 18(2) of the Act (for example: contract of employment, written particulars of employment) been attached to this Agreement

Signature pages? Has the Learner (if not a minor) signed the required page (Yes)

? Have the Parents or Guardians signed in cases where the Learner is a minor (Yes)

? Have the required witnesses (both for the Learner, Employer, Guardian (Yes)(if required), Training Provider signed the required page)

? Has the Lead Employer signed the required page (Yes)

? Has the Lead Training Provider signed the required page (Yes)

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General Regulatory Checklist

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FOR IN

SETA

USE ONLY

APPENDIX 2.7

FOR INSETA INTERNAL USE ONLYGeneral Regulatory checklist (For Learnership Agreements)

DESCRIPTION OF CHECKLIST ITEMS(Ensure that these ARE documented in the Agreement)

If any of the questions are answered in the negative: Reject or discuss

These relate to the Learnership Regulations 2001 as provided by Dept. of Labour

? Is the Learnership Agreement completed on the correct forms

? Does this Learnership Agreement relate to a registered Learnership at the DoL

? Is this Learnership Agreement submitted in hard copy and electronic version

? Have all parties signed the Agreement

? Where the Learner is a minor, has the Agreement been signed by the designated Guardian

? Does the Employer in this Agreement fall within the scope of coverage of the INSETA, ie within the Insurance Sector

? Was this Learnership Agreement concluded before the start of the Learnership

? Do the terms of the Agreement comply with the Act (see checklist on terms and conditions)

? Has an Employer been identified as the Lead Employer

? Has the Lead Employer undertaken to ensure compliance with the Employer's duties in terms of this Agreement

? Has a Training Provider been identified as the Lead Training Provider in the Agreement

? Has the Lead Training Provider undertaken to ensure compliance with the Training Provider's duties in terms of this Agreement

? Is the Lead Training Provider Accredited in terms of the Skills Development Act, Section 17?

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Learnership Implementation GuideAn Employment Contract

Version 6.0 7/04/2003

APPENDIX 2.8EXAMPLE OF AN EMPLOYMENT CONTRACT

Date

(Mr/Ms)

Address

Dear Mr / Ms

CONTRACT OF EMPLOYMENT - (FIXED TERM DEFINED BY TIME)

It is with great pleasure that we wish to confirm your appointment on a fixed term contract defined by time as a Learnerwith effect from to , based on the following terms and conditions ofemployment:

1. Primary Duties1.1 You will be employed primarily in the capacity of a Learner reporting to (name of Training Provider)

and employed at (location of site) to perform the duties set out in your job description, a copy of which is attached hereto.

1.2 It is a specific term and condition of your employment that you may be required to perform other duties and responsibilities in the course and scope of your employment with the Company. Your job title does not define or restrict your duties and you may be required to undertake other work within your abilities at the request of the Company, and any refusal to comply with such request constitutes a breach of your contract of employment.

1.3 You shall, unless prevented by ill-health or accident and except during holidays permitted in terms of your contract of employment with the Company, devote your usual working hours, attention and abilities to the proper, loyal and efficient conduct, improvement, extension, development, promotion, protection and preservation of the business, reputation and goodwill of the Employer and not do anything which is harmful to it.

1.4 You may be required to tender your services at any other premises designated by the Employer upon reasonable notice, and any refusal to comply with such request constitutes a breach of your contract of employment.

2. Basic Salary2.1 You will receive a fee of R per hour for the contract period, which will be paid to you no

later than the last working day of each month or of each month, from which deductions for PAYE, SITE, and any other amounts required by law or authorised by yourself and agreed to by the Employer may be made.

2.2 The above-mentioned salary shall include payment of your annual leave as specified in clause 7 hereof as well as double pay for the following public holidays worked during your contract period:

200200200200

2.3 Any other allowances or payments due to you on termination of your contract of employment.

2.4 You will receive a detailed breakdown of your remuneration each month, indicating all and anypayments made to you, as well as any deductions made from your salary by the Employer or authorised by you.

3. Working Hours3.1 You will be required to work a maximum of 45 ordinary working hours per week, 9 (nine) / 7 ½ (seven

and one-half) ordinary hours per day, 5 (five) / 6 (six) days per week.

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An Employment Contract

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3.2 Your usual working hours are from : to : . The Employer reserves the right to change your working hours if the need arises, that is, management has the absolute right on reasonable notice to change your working hours and it is a fundamental condition of employment that you accept that your working hours may be changed.

4. Annual LeaveYou will be entitled to one day's annual leave in respect of every 17 days on which you worked or was entitled to be paid, provided that you have been in the employ of the Employer for more than 4 (four) months. Leave must be taken at a time which is mutually convenient to both yourself and the Employer.

5. Sick leaveYou will be entitled to one day's sick leave for every completed month of employment.

6. Termination of Employment6.1 Your contract of employment will terminate on .

6.2 As this contract is for a fixed term, you will not be entitled to any discharge or severance benefits upon termination of such contract. It is specifically recorded that there will be no expectation that your contract of employment will be renewed or prolonged beyond the date of completion as aforesaid. It is also specifically recorded that there will be no expectation that the Employer will offer you employment at the time of termination of this contract. The termination of this contract as provided for in this agreement shall not be construed as being a retrenchment but shall be completion of the contract.

7. Council and / or Sectoral Determinations (if applicable)7.1 In addition to the Employers' policies and procedures, Employees' terms and conditions of employment may

be governed by the council or sectoral determination: -

Sectoral Determinations:

Government Gazette Number:

Title:

Council(s):

Name of Bargaining Council:

Government Gazette Number:

Address of Bargaining Council:

Telephone:

Facsimile:

7.2 All sectoral and council determinations are public documents. Copies of any Sectoral or Council Determinations can be obtained from INSETA's website at www.inseta.org.za, telephone no: (011) 484 0722, or from Government Printer, tel no: (012) 334 4712

8. Confidentiality and Disclosure Clause8.1 You shall not at any time during the currency or after the termination of your employment with the Employer: -

8.1.1 divulge to any person, without the Employer's consent: -

a) Any information relating to the trade secrets or trade connections of the company,

b) Or any confidential information concerning the Employer's business or affairs,

c) And in particular any information pertaining to the salaries and wages and personnel records and details of any Employees currently in the employ, previously employed or prospective employment of the Employer, including but not limited to any details pertaining to any trade connections(including but not limited to any contractors, suppliers, clients or agents) employed by or for and on behalf of the Employer.

8.1.2 or be entitled, whether for your own benefit or that of others, to make use of or disclose to others or

3

Learnership Implementation GuideAn Employment Contract

avail yourself or others of or derive profit or benefit from, any information concerning the business or affairs of the Employer or its clients, suppliers or trade connections, which you may have acquired by reason of your position or association with the business and affairs of the Employer or its clients.

8.2 You shall furthermore hand over all information and documents (including but not limited to any training materials, standards or operating manuals and equipment) including any and all copies of reproductions thereof in whatsoever manner or form to the Employer on giving or being provided with notice of termination of your employment with the Employer.

8.3 The Employer recognizes that its Employees have the right to speak out on issues of concern to the general public. At the same time, the Employer expects its Employees to recognize that some statements may cause disharmony among co-workers or interfere with the Employee's ability to perform his or her duties. In the circumstances, the Employer expects its Employees who are planning to make public statements that might have such negative effects to discuss their statement with the Managing Director before making it, and/or to make it clear that they are not speaking for or on behalf of the Employer. We also expect Employees making statements about the Employer's activities or policies to check with the Managing Director that such statements are correct, and thereby avoid any unnecessary embarrassment to the Company. All Employees of the Employer recognize that its success depends on maintaining a positive image with the general public, and the Employer trusts that its Employees will help it to enhance that image whenever possible.

8.4 The Employer is a law-abiding citizen, and every Employee at every level is instructed to obey the law at all times. Any Employee who believes that the Employer or any of its Employees is not obeying the law in the performance of their duties within the course and scope of their employment, is instructed tonotify the Managing Director in writing of any such transgressions immediately upon such transgression(s) coming to the knowledge of the Employee.

9. Standard Terms and Conditions9.1 Your remaining terms and conditions of employment shall be as set out in the Employer's standard

terms and conditions of employment, a copy of which may be obtained from (person or department). In particular, your attention is drawn to the following documents, which form part of your terms and conditions of employment:

9.1.1 Job Description

9.1.2 Restraint of Trade (if required by Employer)

9.2 This contract shall be interpreted and applied in accordance with the laws of the Republic of South Africa and any specific labour legislation in force from time to time.

9.3 The Employer reserves the right to make reasonable changes to any of your terms and conditions of employment, which changes shall be notified to you in writing from time to time.

9.4 The terms and conditions of employment with the Employer are of a confidential nature and at no time shall they be divulged to or discussed with any Employee or client of the Employer.

Kindly sign the original of this letter, initialing all pages and return it to the Employer on or before the commencementof this contract of employment. Your signature on this letter indicates your formal acceptance of the terms and condi-tions set out herein. Your signed copy of this letter is for record purposes and will be placed in your personal file.

I would like to take this opportunity of welcoming you to and wish you a long and successful careerwith the Employer.

Yours sincerely

MANAGER

I have received a copy of this letter. I confirm that the contents hereof have been explained to me, and that I under-stand and accept the terms and conditions of employment contained herein.

Signed: Date:

Version 6.0 7/04/2003

1

Learnership Implementation GuideSectoral Determination No 5: Learnerships

APPENDIX 2.9

DEPARTMENT OF LABOUR

BASIC CONDITIONS OF EMPLOYMENT ACT 75 OF 1997

SECTORAL DETERMINATION NO 5: LEARNERSHIPS

I, Membathisi Mphumzi Shepherd Mdladlana, Minister of Labour, in terms of Section 55(1) of the Basic Conditions ofEmployment Act no 75 of 1997, read together with Section 18(4) of the Skills Development Act, No 97 of 1998 here-by make the sectoral determination establishing conditions of employment and rates of allowances for Learners inSouth Africa and fix the second Monday after the date of publication of this notice as the date from which provisionsof this determination shall be binding upon all employers and learners in all sectors where Sector Education Authorities(SETAs) have been established.

M.M.S. MDLADLANA, MPMinister of Labour

Version 6.0 7/04/2003

2


SCHEDULE

TABLE OF CONTENTS PAGE NO.1. Definitions 3 - 4

2. Area and scope of determination 4

3. Learner's allowances 4

4. Calculation of remuneration and allowances 5

5. Payment of remuneration 5

6. Information about remuneration 5

7. Deductions and other acts concerning remuneration 5 - 6

8. Interpretation of day 6

9. Ordinary hours of work 6

10. Overtime 6

11. Compressed working week 6

12. Averaging of hours of work 6 - 7

13. Meal intervals 7

14. Daily and weekly rest period 7

15. Pay for work on Sundays 7

16. Night work 8

17. Public holidays 8

18. Emergency work 8

19. Annual leave 9

20. Pay for annual leave 9

21. Sick leave 9 - 10

22. Proof of incapacity 10

23. Application to occupational accidents and diseases 10

24. Maternity leave 10

25. Protection of Learners before and after birth of a child 10

26. Family responsibility leave 11

27. Contract of employment 11

28. Informing Learners of their rights 11

29. Keeping of records 12

30. Termination 12

31. Payments on termination 12

32. Certificate of service 12

33. Disputes about this determination 12

34. Keeping of the determination for Learners 12

Annexure "A" Certificate of service

Version 6.0 7/04/2003

3


DEFINITIONS 1. In this Act, unless the context indicates otherwise-

'Act' means the Skills Development Act, 1998 (Act No 97 of 1998)

'agreement' includes a collective agreement;

'allowance' means the amount of money paid or payable to a learner in respect of ordinary hours of work or, if they are shorter, the hours a learner normally works in a day or week;

'bargaining council' means a bargaining council registered in terms of the Labour Relations Act, 1995, and, in relation to the public service, includes the bargaining councils referred to in section 35 of that Act;

'CCMA' means the Commission for Conciliation, Mediation and Arbitration established in terms of section 112 of the Labour Relations Act, 1995;

'collective agreement' means a written agreement concerning terms and conditions of employment or any other matter of mutual interest concluded by one or more registered trade unions, on the one hand and, on the other hand- (a) one or more employers;(b) one or more registered employers' organisations; or(c) one or more employers and one or more registered employers' organisation; and includes a collective agreement concluded in a bargaining council and binding in terms of either section 31 or 32 of the Labour Relations Act, 1995;

'credit' means a credit as defined in the Regulations made under the South African Qualifications Authority Act, 1995 (Act 58 of 1995) published in Government Notice 18787 of 28 March 1998;

'dispute' includes an alleged dispute;

'Labour Relations Act, 1995' means the Labour Relations Act, 1995 (Act 66 of 1995);

'medical practitioner' means a person entitled to practise as a medical practitioner in terms of section 17 of the Medical, Dental and Supplementary Health Service Professions Act, 1974 (Act 56 of 1974);

'midwife' means a person registered or enrolled to practise as a midwife in terms of section 16 of the Nursing Act, 1978 (Act 50 of 1978);

'Minister' means the Minister of Labour;

'month' means a calendar month;

'ordinary hours of work' means the hours of work permitted in terms of clause 9 or in terms of any agreement in terms of clauses 11 or 12;

'NQF level' means a level of the National Technical Qualifications Framework referred to in the regulation 3 of the Regulations made under the South African Qualifications Authority Act, 1995 (Act no. 58 of 1995) published in Government Notice 18787 of 28 March 1998;

'overtime' means the time that a learner works during a day or a week in excess of ordinary hours of work;

'public holiday' means any day that is a public holiday in terms of the Public Holidays Act, 1994 Act 36 of 1994);

'registered employers' organisation' means an employers' organisation registered under section 96 of the Labour Relations Act, 1995;

'registered trade union' means a trade union registered under section 96 of the Labour Relations Act, 1995;

'remuneration' means any payment in money or in kind, or both in money and in kind, made or owing to any person in return for that person working for any other person, including the State, and 'remunerate' has a corresponding meaning1;

'sector' means an industry or a service or a part of an industry or a service;

'sectoral determination' means a sectoral determination made under Chapter Eight of the Basic Conditions of Employment Act, 1997;

Version 6.0 7/04/2003

1 Remuneration is given a specific meaning in clause 7 (5).

4


'wage' means the amount of money paid or payable to a Learner in respect of ordinary hours of work or, if they are shorter, the hours an employee ordinarily works in a day or a week;

'week' in relation to a Learner, means the period of seven days within which the working week of that Learner ordinarily falls;

'work' includes any time that the Learner is required to spend in study periods or theoretical learning sessions with the training provider in terms of the Learnership Agreement';

'workplace' means any place where Learners work.

APPLICATION OF THIS DETERMINATION2. (1) This determination applies to -

(a) the employment of a Learner -(i) who has concluded a Learnership Agreement in terms of section 17 of the Act; and(ii) who was not in the employment of the employer party to the Learnership Agreement when the

Agreement was concluded.

(b) to every employer who employs a Learner contemplated in sub-paragraph (a) in respect of the employment of that Learner.

(2) (a) This determination forms part of the contract of employment of any Learner employed in terms of section 18(2) of the Act.

(b) Sub-paragraph (a) does not prevent an employer and a Learner concluding a contract of employment in terms of section 18(2) of the Act, which contains terms, and conditions that are more favourable to the Learner.

(3) This determination takes precedence over any collective Agreement, except insofar as a collective Agreement concluded after this determination comes into effect expressly provides for Learners to receive an allowance or conditions of employment that are more favourable to the employee than provided for in this determination.

LEARNER'S ALLOWANCES3. (1) An employer must pay a Learner an allowance calculated in terms of this clause.

(2) Subject to sub clause 3, a Learner's allowance must be calculated as a percentage of the qualified wage in accordance with column 3 of Table A.

(3) No Learner may be paid less than the applicable allowance specified in column 4 of Table A.

(4) For the purposes of this clause -(a) the "qualified wage" is the wage that the employer would pay the Learner on obtaining the qualification

for which the Learnership is registered ;(b) "wage" means the amount of money payable to an employee in respect of the hours of work an

employee normally works, excluding any overtime.

Version 6.0 7/04/2003

Table ACOLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4

Exit level of Credits already Percentage of Minimum learnership earned by learner qualified wage to allowance per

be paid as allowance weekNQF 1 or 2 0 - 120 35% R120.00

121 - 240 69% R240.00

NQF 3 0 - 120 17% R120.00121 - 240 40% R226.00241 - 360 53% R370.00

NQF 4 0 - 120 13% R120.00121 - 240 25% R240.00241 - 360 53% R370.00361 - 480 56% R540.00

NQF 5 to 8 0 - 120 8% R120.00120 - 240 18% R260.00240 - 360 27% R389.00361 - 480 38% R548.00481 - 600 49% R700.00

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CALCULATION OF REMUNERATION AND ALLOWANCES4. (1) A Learner's allowance is calculated by reference to the number of hours the Learner normally works.

(2) For the purposes of calculating the allowance of a Learner, a Learner is deemed normally to work- (a) 45 hours in a week, unless the Learner ordinarily works a lesser number of hours in a week; (b) nine hours in a day, or seven and a half hours in the case of a Learner who works for more than five days

a week, or the number of hours that a Learner works in a day in terms of an Agreement concluded in accordance with clause 11, unless the Learner normally works a lesser number of hours in a day.

(3) A Learner's monthly remuneration or allowance is four and one-third times the Learner's weekly remuneration or allowance, respectively.

(4) If a Learner's remuneration or allowance fluctuates significantly from period to period, any payment to that Learner in terms of this Act must be calculated by reference to the Learner's remuneration or allowance during- (a) the preceding 13 weeks; or(b) if the Learner has been in employment for a shorter period, that period.

PAYMENT OF REMUNERATION5. (1) An employer must pay to a Learner any remuneration that is paid in money-

(a) in South African currency; (b) daily, weekly, fortnightly or monthly; and(c) in cash, by cheque or by direct deposit into an account designated by the Learner.

(2) Any remuneration paid in cash or by cheque must be given to each Learner- (a) at the workplace or at a place agreed to by the Learner; (b) during the Learner's working hours or within 15 minutes of the commencement or conclusion of those

hours; and(c) in a sealed envelope which becomes the property of the Learner.

(3) An employer must pay remuneration not later than seven days after-(a) the completion of the period for which the remuneration is payable; or(b) the termination of the Learnership.

(4) Subclause (3)(b) does not apply to any pension or provident fund payment to a Learner that is made in terms of the rules of the fund.

INFORMATION ABOUT REMUNERATION6. (1) An employer must give a Learner the following information in writing on each day the Learner is paid:

(a) the employer's name and address; (b) the Learner's name and Learnership; (c) the period for which the payment is made; (d) the Learner's remuneration in money; (e) the amount and purpose of any deduction made from the remuneration; (f) the actual amount paid to the Learner; and(g) if relevant to the calculation of that Learner's remuneration- (h) the Learner's rate of remuneration and overtime rate; (i) the number of ordinary and overtime hours worked by the Learner during the period for which the

payment is made;(j) the number of hours worked by the Learner on a Sunday or public holiday during that period; and(k) if an Agreement to average working time has been concluded in terms of clause 12, the total number of

ordinary and overtime hours worked by the Learner in the period of averaging.

(2) The written information required in terms of subclause (1) must be given to each Learner- (a) at the workplace or at a place agreed to by the Learner; and(b) during the Learner's ordinary working hours or within 15 minutes of the commencement or conclusion of

those hours.

DEDUCTIONS AND OTHER ACTS CONCERNING REMUNERATION7. (1) An employer may not make any deduction from a Learner's remuneration unless-

(a) subject to subclause (2), the Learner in writing agrees to the deduction in respect of a debt specified in the Agreement; or

(b) the deduction is required or permitted in terms of a law, collective Agreement, court order or arbitration award.

(2) A deduction in terms of subclause (1)(a) may be made to reimburse an employer for loss or damage only if- (a) the loss or damage occurred in the course of employment and was due to the fault of the Learner; (b) the employer has followed a fair procedure and has given the Learner a reasonable opportunity to show

why the deductions should not be made;

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(c) the total amount of the debt does not exceed the actual amount of the loss or damage; and(d) the total deductions from the Learner's remuneration in terms of this sub clause do not exceed

one-quarter of the Learner's remuneration in money.

(3) A deduction in terms of subclause (1)(a) in respect of any goods purchased by the Learner must specify the nature and quantity of the goods.

(4) An employer who deducts an amount from a Learner's remuneration in terms of subclause (1) for payment to another person must pay the amount to the person in accordance with the time period and other requirements specified in the Agreement, law, court order or arbitration award.

(5) An employer may not require or permit a Learner to- (a) repay any remuneration except for overpayments previously made by the employer resulting from an

error in calculating the Learner's remuneration; or(b) acknowledge receipt of an amount greater than the remuneration actually received.

(6) An employer may not make any deduction from a Learner's remuneration, or require a Learner to repay any amount, in respect of any tools, materials, equipment, protective clothing, uniforms or training material required for the purposes of the Learnership.

INTERPRETATION OF DAY8. For the purposes of clauses 9 to 15, 'day' means a period of 24 hours measured from the time when the

Learner normally commences work and 'daily' has a corresponding meaning.

ORDINARY HOURS OF WORK9. (1) Subject to clauses 8 to 18, an employer may not require or permit a Learner to work more than-

(a) 45 hours in any week; and(b) nine hours in any day if the Learner works for five days or fewer in week; or(c) eight hours in any day if the Learner works on more than five days in a week.

(2) A Learner's ordinary hours of work in terms of subclause (1) may by Agreement be extended by up to 15 minutes in a day but not more than 60 minutes in a week to enable a Learner whose duties include serving members of the public to continue performing those duties after the completion of ordinary hours of work.

OVERTIME10. (1) Subject to clauses 8 to 18, an employer may not require or permit a Learner-

(a) to work overtime except in accordance with an Agreement; (b) to work more than-

(i) three hours' overtime a day; (ii) ten hours' overtime a week.

(2) An employer must pay a Learner at least one and one-half times the Learner's allowance for overtime worked.

(3) Despite subclause (2), an Agreement may provide for an employer to- (a) pay a Learner not less than the Learner's ordinary allowance for overtime worked and grant the Learner

at least 30 minutes' time off on full pay for every hour of overtime worked; or(b) grant a Learner at least 90 minutes' paid time off for each hour of overtime worked.

(4) (a) An employer must grant paid time off in terms of subclause (3) within one month of the Learner becoming entitled to it.

(b) An Agreement in writing may increase the period contemplated by paragraph (a) to 12 months.

(5) An Agreement concluded in terms of subclause (1) with a Learner when the Learner commences employment, or during the first three months of employment, lapses after one year.

COMPRESSED WORKING WEEK11. (1) An Agreement in writing may require or permit a Learner to work up to twelve hours in a day, inclusive of the

meal intervals required in terms of clause 9, without receiving overtime pay.

(2) An Agreement in terms of subclause (1) may not require or permit a Learner to work- (a) more than 45 ordinary hours of work in any week; (b) more than ten hours' overtime in any week; or(c) on more than five days in any week.

AVERAGING OF HOURS OF WORK12. (1) Despite clauses 9 (1) and (2) and 10 (1) (b), the ordinary hours of work and overtime of a Learner may be

averaged over a period of up to four months in terms of a collective Agreement.

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(2) An employer may not require or permit a Learner who is bound by a collective Agreement in terms of subclause (1) to work more than - (a) an average of 45 ordinary hours of work in a week over the agreed period; (b) an average of five hours' overtime in a week over the agreed period;(c) twelve hours in a day, inclusive of the meal intervals required in terms of clause 13.

(3) A collective Agreement in terms of subclause (1) lapses after 12 months.

(4) Subclause (3) only applies to the first two collective Agreements concluded in terms of subclause (1).

MEAL INTERVALS13. (1) An employer must give a Learner who works continuously for more than five hours a meal interval of at least

one continuous hour. (2) During a meal interval the Learner may be required or permitted to perform only duties that cannot be left

unattended and cannot be performed by another Learner.

(3) A Learner must be remunerated- (a) for a meal interval in which the Learner is required to work or is required to be available for work; and(b) for any portion of a meal interval that is in excess of 75 minutes, unless the Learner lives on the

premises at which the workplace is situated.

(4) For the purposes of this clause, work is continuous unless it is interrupted by an interval of at least 60 minutes.

(5) An Agreement in writing may- (a) reduce the meal interval to not less than 30 minutes; (b) dispense with a meal interval for a Learner who works fewer than six hours on a day.

DAILY AND WEEKLY REST PERIOD14. (1) An employer must allow a Learner-

(a) a daily rest period of at least twelve consecutive hours between ending and recommencing work; and(b) a weekly rest period of at least 36 consecutive hours, which, unless otherwise agreed, must include Sunday.

(2) A daily rest period in terms of subclause (1)(a) may, by written Agreement, be reduced to 10 hours for a Learner- (a) who lives on the premises at which the workplace is situated; and(b) whose meal interval lasts for at least three hours.

(3) Despite subclause (1)(b), an Agreement in writing may provide for- (a) a rest period of at least 60 consecutive hours every two weeks; or(b) a Learner's weekly rest period to be reduced by up to eight hours in any week if the rest period in the

following week is extended equivalently.

PAY FOR WORK ON SUNDAY15. (1) An employer must pay a Learner who works on a Sunday at double the Learner's allowance for each hour

worked, unless the Learner ordinarily works on a Sunday, in which case the employer must pay the Learner at one and one-half times the Learner's allowance for each hour worked.

(2) If a Learner works less than the Learner's ordinary shift on a Sunday and the payment that the Learner is entitled to in terms of subclause (1) is less than the Learner's ordinary daily allowance, the employer must pay the Learner the Learner's daily allowance.

(3) Despite subclauses (1) and (2), an Agreement may permit an employer to grant a Learner who works on a Sunday paid time off equivalent to the difference in value between the pay received by the Learner for working on the Sunday and the pay that the Learner is entitled to in terms of subclauses (1) and (2).

(4) Any time worked on a Sunday by a Learner who does not ordinarily work on a Sunday is not taken into account in calculating a Learner's ordinary hours of work in terms of clause 9 (1) and (2), but is taken into account in calculating the overtime worked by the Learner in terms of clause 10 (1)(b).

(5) If a shift worked by a Learner falls on a Sunday and another day, the whole shift is deemed to have been worked on the Sunday, unless the greater portion of the shift was worked on the other day, in which case the whole shift is deemed to have been worked on the other day.

(6) (a) An employer must grant paid time off in terms of subclause (3) within one month of the Learner becoming entitled to it.

(b) An Agreement in writing may increase the period contemplated by paragraph (a) to 12 months.

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Learnership Implementation GuideSectorial Determination No 5: Learnerships

NIGHT WORK16. (1) In this clause, 'night work' means work performed after 18:00 and before 06:00 the next day.

(2) An employer may only require or permit a Learner to perform night work, if so agreed, and if- (a) the Learner is compensated by the payment of an allowance, which may be a shift allowance, or by

a reduction of working hours; and(b) transportation is available between the Learner's place of residence and the workplace at the

commencement and conclusion of the Learner's shift.

(3) An employer who requires a Learner to perform work on a regular basis after 23:00 and before 06:00 the next day must- (a) inform the Learner in writing, or orally if the Learner is not able to understand a written

communication, in a language that the Learner understands-(i) of any health and safety hazards associated with the work that the Learner is required to per

form; and(ii) of the Learner's right to undergo a medical examination in terms of paragraph (b);

(b) at the request of the Learner, enable the Learner to undergo a medical examination, for the account of the employer, concerning those hazards- (i) before the Learner starts, or within a reasonable period of the Learner starting, such work; and(ii) at appropriate intervals while the Learner continues to perform such work; and

(c) transfer the Learner to suitable day work within a reasonable time if- (i) the Learner suffers from a health condition associated with the performance of night work; and(ii) it is practicable for the employer to do so.

(4) For the purposes of subclause (3), a Learner works on a regular basis if the Learner works for a period of longer than one hour after 23:00 and before 06:00 at least five times per month or 50 times per year.

(5) The record of any medical examination performed in terms of this determination must be kept confidential and may be made available only-(a) in accordance with the ethics of medical practice;(b) if required by law or court order; or(c) if the employee has in writing consented to the release of that information.

PUBLIC HOLIDAYS2

17. (1) An employer may not require a Learner to work on a public holiday except in accordance with an Agreement.

(2) If a public holiday falls on a day on which a Learner would ordinarily work, an employer must pay- (a) a Learner who does not work on the public holiday, at least the allowance that the Learner would

ordinarily have received for work on that day; (b) a Learner who does work on the public holiday-

(i) at least double the amount referred to in paragraph (a); or(ii) if it is greater, the amount referred to in paragraph (a) plus the amount earned by the

Learner for the time worked on that day.

(3) If a Learner works on a public holiday on which the Learner would not ordinarily work, the employer must pay that Learner an amount equal to-(a) the Learner's daily allowance; plus(b) the amount earned by the Learner for the work performed that day.

(4) An employer must pay a Learner for a public holiday on the Learner's usual pay day.

(5) If a shift worked by a Learner falls on a public holiday and another day, the whole shift is deemed to have been worked on the public holiday, but if the greater portion of the shift was worked on the other day, the whole shift is deemed to have been worked on the other day.

EMERGENCY WORK18. (1) An employer may only require or permit a Learner to work in excess of the limits on working times

prescribed in clauses 8 to 17 in order to perform work which is required to be done without delay owing to circumstances for which the employer could not reasonably have been expected to make provision and which cannot be performed by employees during their ordinary working hours of work.

(2) Any work that any Learner performs in terms of subclause (1) must be remunerated-(a) at overtime rates in accordance with clause 10(2), or(b) if it is performed on a Sunday or on a public holiday at the applicable rate in terms of clause 15 or

17 respectively.

2 In terms of section 2(2) of the Public Holidays Act, 1994 (Act 36 of 1994), a public holiday is exchangeable for any other day, which is fixed by agreement or agreed to between the employer and the employee.

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ANNUAL LEAVE19. (1) A Learner who has entered into a Learnership Agreement in respect of Learnership requiring more than 120

credits is entitled to one week's paid leave for every 40 credits that the Learner earns during the Learnership or every four months worked whichever is the lesser.

(2) A Learner is entitled to take leave referred to in subclause (1) during Learnership.

(3) A Learner who has accumulated sufficient leave is entitled to take up to three weeks leave consecutively in any year of the Learnership.

(4) Unless a Learner elects to accumulate leave for the purpose of subclause (3), an employer must grant leave not later than four months after the leave was earned.

(5) An employer may not require or permit a Learner to take annual leave during- (a) any other period of leave to which the Learner is entitled in terms of clauses 21, 24 and 26; or(b) any period of notice of termination of Learnership.

(6) Despite subclause (5), an employer must permit a Learner, at the Learner's written request, to take leave during a period of unpaid leave.

(7) An employer may reduce a Learner's entitlement to leave by the number of days of occasional leave on full remuneration granted to the Learner at the Learner's request.

(8) An employer must grant a Learner an additional day of paid leave if a public holiday falls on a day during a Learner's annual leave on which the Learner would ordinarily have worked.

(9) An employer may not require or permit a Learner to work for the employer during any period of annual leave.

(10)Leave must be taken- (a) in accordance with an Agreement between the employer and Learner; or(b) if there is no Agreement in terms of paragraph (a), at a time determined by the employer in

accordance with this clause.

(11) An employer may not pay a Learner instead of granting paid leave in terms of this clause except-(a) on termination of Learnership; and(b) in accordance with clause 31(b).

PAY FOR ANNUAL LEAVE20. (1) An employer must pay a Learner leave pay at least equivalent to the remuneration that the Learner would

have received for working for a period equal to the period of annual leave, calculated at the Learner's rate of remuneration immediately before the beginning of the period of leave.

(2) For the purposes of calculating a Learner's leave pay, a Learner's remuneration- (a) includes the cash value of any payment in kind that forms part of the Learner's remuneration unless

the Learner receives that payment in kind during the period of leave; but(b) excludes-

(i) gratuities;(ii) allowances paid to a Learner for the purposes of enabling a Learner to work; and(iii) any discretionary payments not related to the Learner's hours of work or work performance.

(3) An employer must pay a Learner leave pay- (a) before the beginning of the period of leave; or(b) by Agreement, on the Learner's usual pay day.

SICK LEAVE21. (1) A Learner is entitled to one day's paid sick leave for every 26 days, in which the Learner works or receives

training during a Learnership.

(2) Subject to clause 22, an employer must pay a Learner for a day's sick leave- (a) the allowance the Learner would ordinarily have received for work on that day; and(b) on the Learner's usual pay day.

(3) An Agreement may reduce the pay to which a Learner is entitled in respect of any day's absence in terms of this clause if- (a) the number of days of paid sick leave is increased at least commensurately with any reduction in

the daily amount of sick pay; and

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(b) the Learner's entitlement to pay- (i) for any day's sick leave is at least 75 per cent of the allowance payable to the Learner for

the ordinary hours the Learner would have worked on that day; and(ii) for sick leave over the sick leave cycle is at least equivalent to the Learner's entitlement in

terms of subclause (2).

PROOF OF INCAPACITY22. (1) An employer is not required to pay a Learner in terms of clause 21 if the Learner has been absent from

work for more than two consecutive days or on more than two occasions during an eight-week period and, on request by the employer, does not produce a medical certificate stating that the Learner was unable to work for the duration of the Learner's absence on account of sickness or injury.

(2) The medical certificate must be issued and signed by a medical practitioner or any other person who is certified to diagnose and treat patients and who is registered with a professional council established by an Act of Parliament.

(3) If it is not reasonably practicable for a Learner who lives on the employer's premises to obtain a medical certificate, the employer may not withhold payment in terms of subclause (1) unless the employer provides reasonable assistance to the Learner to obtain the certificate.

APPLICATION TO OCCUPATIONAL ACCIDENTS OR DISEASES23. Clauses 21 and 22 do not apply to an inability to work caused by an accident or occupational disease as

defined in the Compensation for Occupational Injuries and Diseases Act, 1993 (Act 130 of 1993), or the Occupational Diseases in Mines and Works Act, 1973 (Act 78 of 1973), except in respect of any period during which no compensation is payable in terms of those Acts.

MATERNITY LEAVE3

24. (1) (a) A Learner is entitled to at least four consecutive months' maternity leave. (b) A Learner is not entitled to receive her allowance during any period of maternity leave she takes.

(2) A Learner may commence maternity leave- (a) at any time from four weeks before the expected date of birth, unless otherwise agreed; or(b) on a date from which a medical practitioner or a midwife certifies that it is necessary for the Learner's

health or that of her unborn child.

(3) No Learner may work for six weeks after the birth of her child, unless a medical practitioner or midwife certifies that she is fit to do so.

(4) A Learner who has a miscarriage during the third trimester of pregnancy or bears a stillborn child is entitled to maternity leave for six weeks after the miscarriage or stillbirth, whether or not the Learner had commenced maternity leave at the time of the miscarriage or stillbirth.

(5) A Learner must notify an employer in writing, unless the Learner is unable to do so, of the date on which the Learner intends to- (a) commence maternity leave; and(b) return to work after maternity leave.

(6) Notification in terms of subclause (5) must be given- (a) at least four weeks before the Learner intends to commence maternity leave; or(b) if it is not reasonably practicable to do so, as soon as is reasonably practicable.

PROTECTION OF LEARNERS BEFORE AND AFTER BIRTH OF A CHILD25. (1) No employer may require or permit a pregnant Learner or a Learner who is nursing her child to perform work

that is hazardous to her health or the health of her child.

(2) During a Learner's pregnancy, and for a period of six months after the birth of her child, her employer must offer her suitable, alternative employment on terms and conditions that are no less favourable than her ordinary terms and conditions of employment, if-(a) the Learner is required to perform night work, as defined in clause 16 (1) or her work poses a danger to

her health or safety or that of her child; and(b) it is practicable for the employer to do so.

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3 In terms of section 187(1)(e) of the Labour Relations Act, 1995, the dismissal of an employee on account of her pregnancy, intended pregnancy, or any reason related to her pregnancy, is automatically unfair. The definition of dismissal in section 186 of the Labour Relations Act, 1995, includes the refusal to allow an employee to resume work after she has taken maternity leave in terms of any law, collective agreement or her contract.

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FAMILY RESPONSIBILITY LEAVE26. (1) This clause applies to a Learner-

(a) who has been in employment with an employer for longer than four months; and(b) who works for at least four days a week for that employer.

(2) An employer must grant a Learner, during each annual leave cycle, at the request of the Learner, three days' paid leave, which the Learner is entitled to take- (a) when the Learner's child is born; (b) when the Learner's child is sick; or(c) in the event of the death of-

(i) the Learner's spouse or life partner; or(ii) the Learner's parent, adoptive parent, grandparent, child, adopted child, grandchild or sibling.

(3) Subject to subclause (5), an employer must pay a Learner for a day's family responsibility leave- (a) the allowance the Learner would ordinarily have received for work on that day; and(b) on the Learner's usual pay day.

(4) A Learner may take family responsibility leave in respect of the whole or a part of a day.

(5) Before paying a Learner for leave in terms of this clause, an employer may require reasonable proof of an event contemplated in subclause (2) for which the leave was required.

(6) A Learner's unused entitlement to leave in terms of this clause lapses at the end of the annual leave cycle in which it accrues.

(7) A collective Agreement may vary the number of days and the circumstances under which leave is to be granted in terms of this clause.

CONTRACT OF EMPLOYMENT27. (1) A contract of employment concluded between an employer and a Learner in terms of section 18(2) of the Act

must -(a) be in writing and be signed by the employer and the Learner;(b) be concluded when the Learner commences employment; and(c) to the extent appropriate, contain the following particulars:

(i) the full name and address of the employer;(ii) the name of the Learner and the Learnership; (iii) the place of work, and, where the Learner is required or permitted to work at various places, an

indication of this;(iv) the date on which the employment began; (v) the Learner's ordinary hours of work and days of work, including the time that the Learner is

required to spend in study periods or theoretical learning sessions with the training provider; (vi) the Learner's allowance or the rate and method of calculating the allowance; (vii) the rate of pay for overtime work; (viii) any other cash payments that the Learner is entitled to; (ix) any payment in kind that the Learner is entitled to and the value of the payment in kind; (x) how frequently remuneration will be paid; (xi) any deductions to be made from the Learner's remuneration; (xii) the leave to which the Learner is entitled; (xiii) the date when employment is to terminate; (xiv) a list of any other documents that form part of the contract of employment, indicating a place that is

reasonably accessible to the Learner where a copy of each may be obtained.

(2) The Learner must be supplied with a copy of the contract of employment.

(3) When any matter listed in subclause (1) changes- (a) the contract of employment must be revised to reflect the change; (b) the employer and the Learner must initial the change; and(c) the Learner must be supplied with a copy of the contract reflecting the change.

(4) If a Learner is not able to understand the written contract, the employer must ensure that it is explained to the Learner in a language and in a manner that the Learner understands.

(5) A contract of employment in terms of this clause must be kept by the employer for a period of three years after the termination of the Learnership.

INFORMING LEARNERS OF THEIR RIGHTS28. An employer must display at the workplace where it can be read by Learners a statement in the prescribed form

of the Learner's rights under this Act in the official languages, which are spoken in the workplace.

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KEEPING OF RECORDS29. (1) Every employer must keep a record containing at least the following information:

(a) the Learner's name and Learnership; (b) the time worked by each Learner; (c) the remuneration paid to each Learner; (d) the date of birth of any Learner under 18 years of age.

(2) A record in terms of subclause (1) must be kept by the employer for a period of three years from the termination of the Learnership.

(3) No person may make a false entry in a record maintained in terms of subclause (1).

TERMINATION30. (1) An employer may only terminate the contract of employment of a Learner if-

(a) the period of duration specified in the Learnership Agreement has expired;(b) the Learner successfully completes the Learnership;(c) the employer and Learner have agreed in writing to terminate the Learnership Agreement, or if there is

no such Agreement the SETA which registered the Agreement approves its termination; or(d) the Learner is fairly dismissed for a reason related to the Learner's conduct or capacity as an employee.

PAYMENTS ON TERMINATION31. (1) On termination of employment, an employer must pay a Learner-

(a) for any paid time off that the Learner is entitled to in terms of clause 10 (3) or 15 (3) and that the Learner has not taken;

(b) remuneration calculated in accordance with clause 20(2) for any period of leave due in terms of clause 19(1) that the Learner has not taken.

CERTIFICATE OF SERVICE32. (1) On termination of employment a Learner is entitled to a certificate of service substantially in the form of

annexure "A" stating- (a) the Learner's full name; (b) the name and address of the employer; (c) a description of any council or sectoral employment standard by which the employer's business is covered;(d) the date of commencement and date of termination of the Learners' employment with the employer; (e) a brief description of the training and work experience received by the Learner;(f) the remuneration at date of termination; (g) if the Learner so requests, the reason for termination of employment.

DISPUTES ABOUT THIS DETERMINATION33. (1) A party dispute in terms of this determination may refer the dispute to the CCMA by submitting a completed

Form 7.11 published in terms of the Labour Relations Act 66 of 1995.

(2) The party who refers a dispute in terms of subclause (1) must satisfy the CCMA that a copy of the referral has been served on all the other parties to the dispute.

(3) The relevant provisions of Part C and D, Chapter VII of the Labour Relations Act 66 of 1995, read with the changes required by the context, apply in respect of a dispute referred to in terms of subclause (1).

KEEPING OF THE DETERMINATION FOR LEARNERS34. (1) Every employer on whom this determination is binding must-

(a) keep a copy of the determination available in the workplace at all times; (b) make the copy available for inspection by a Learner; and(c) give a copy of the determination-

(i) to a Learner who has paid the prescribed fee; and(ii) free of charge, on request, to a Learner who is a trade union representative or a member of a work

place forum.

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ANNEXURE “A”Certificate of Service

I(Name and Designation of person)

of

(Full name of employer)

Address:

in the (Trade)

declare that

(Full name of Learner)

(I.D Number)

was in Learnership

from until

as

(Type of Learnership)

any other information

On termination of Learnership this Learner was earning: R

(Amount in words)

per hour per day

per week per fortnight

per month per year

Employer’s signature Date

DETERMINATION OF TERMS AND CONDITIONS OF EMPLOYMENT FOR

LEARNERS

READ THIS FIRST

WHAT IS THE PURPOSE OF THIS FORM?

This form is proof of Learnership with anEmployer

WHO FILLS IN THIS FORM?

The Employer

WHERE DOES THIS FORM GO?

To the Learner

INSTRUCTIONS

This form may be issued upon termination of Learnership

NOTE

The reason for termination of Learnership mustonly be given if requested by the Learner.

This is only a model and not a prescribed form.

Completing a document in another format containing the same information if sufficient

compliance with clause 3.2

1


Learnership Tax Allowance

INSETA Learnership Tax Allowance

EXTRACT OF THE SECTION 12 H OF THE AMENDMENT TO THE INCOME TAX ACT (SARS DOCUMENT)

DEDUCTION IN RESPECT OF LEARNERSHIP AGREEMENTS

12H. (1) Subject to subsection (3), there shall be allowed to be deducted from the income derived by any employer during any year of assessment, an allowance determined in accordance with subsection (2), where-(a) that employer during that year of assessment entered into a registered learnership agreement with a

learner in the course of any trade carried on by that employer; or(b) a learner during that year of assessment completed any registered learnership agreement entered into by

that employer with that learner during that year or any previous year of assessment in the course of any trade carried on by that employer.

(2) For purposes of subsection (1), the amount of the allowance in respect of -(a) a registered learnership agreement entered into by that employer, as contemplated in subsection (1)(a),

with a learner who at the time of entering into that agreement-(i) was employed by that employer or associated institution in relation to that employer, is an amount equal

to the lesser of-(aa) 70 percent of the annual equivalent of the remuneration of that learner stipulated in the

agreement of employment between that learner and employer; or(bb) R17 500; or

(ii) was not employed by that employer or any associated institution in relation to that employer, is an amount equal to the lesser of-(aa) the annual equivalent of the remuneration of that learner stipulated in the agreement of

employment between that learner and employer; or(bb) R25 000;

(b) the completion of any registered learnership agreement as contemplated in subsection (1)(b), is an amount equal to the lesser of-(i) the annual equivalent of the remuneration of that learner stipulated in the agreement of employment

between that learner and employer; or(ii) R25 000.

Learnership Tax Allowance 25 September 2003

2



(3) No deduction shall be made by an employer under this section, unless that employer has provided to the Commissioner-(a) the name of the SETA with which the learnership agreement is registered;(b) the title and code of the learnership allocated and issued by the Director-General: Department of Labour

in terms of regulation 2(3) of the Learnership Regulations, 2001;(c) the full names and identification number of the learner contemplated in the registered learnership

agreement; and(d) proof that the employer has complied with all the requirements of the Skills Development Levies Act, 1999

(Act No. 9 of 1999).

(4) The provisions of this section shall not apply-(a) in respect of the substitution of any employer which is party to an existing registered learnership agreement

by any other employer, as contemplated in regulation 5(1) of the Learnership Regulations, 2001;(b) where an employer enters into a registered learnership agreement with a learner as a result of the

substitution of an existing registered learnership agreement, as contemplated in regulation 5(2) of the Learnership Regulations, 2001; or

(c) where an employer enters into a registered learnership agreement with a learner, and a deduction is or was allowable to that employer during any year of assessment in respect of any other registered learnership agreement entered into by that employer with that learner in respect of the same learnership registered by the Director General of Labour, as contemplated in regulation 3(3) of the Learnership Regulations.

(5) Where-(a) in the determination of the taxable income of an employer for any year of assessment an amount is or was

allowed as a deduction in respect of any registered learnership agreement entered into by that employer with any learner, as contemplated in subsection (1)(a); and

(b) that registered learnership agreement is terminated prior to the completion thereof for any reason other than the death of that learner or the dismissal of that learner due to his or her incapacity as a result of ill-health or injury, that amount so allowed as a deduction shall, for the purposes of section 8(4)(a), be deemedto have been recovered or recouped by that employer.

(6) For purposes of this section - 'associated institution' in relation to an employer means an associated institution as defined in paragraph 1 of the Seventh Schedule;'employer' means-

(a) in the case where a group of employers is party to a registered learnership agreement, the employer which is identified in that agreement as the lead employer; or

(b) in any other case, the employer which is party to a registered learnership agreement; 'learner' means -(a) a learner who is party to a registered learnership agreement; or(b) an apprentice in a contract of apprenticeship contemplated in paragraph (b) of the definition of 'registered

learnership agreement';'Learnership Regulations, 2001' means the Regulations concerning the Registration of Intended Learnerships and Learnership Agreements (Government Notice No. R. 330 published in Gazette No. 22197 of 3 April 2001), made by the Minister of Labour in terms of section 36, read with sections 16(d) and 17(3) and (6) of the Skills Development Act, 1998;'registered learnership agreement' means-(a) a learnership agreement entered into between a learner and an employer before 1 October 2006, which

has been registered with a SETA, as contemplated in section 17(3) of the Skills Development Act, 1998; or

(b) a contract of apprenticeship registered with the Department of Labour in terms of section 18 of the Manpower Training Act, 1981 (Act No. 56 of 1981);

'remuneration' means remuneration as defined in the Fourth Schedule;'SETA' means a sector education and training authority established in terms of the Skills Development Act, 1998;'Skills Development Act, 1998' means the Skills Development Act, 1998 (Act No. 97 of 1998).

(Once the legislation is passed the above provisions will be deemed to have come into operation on 1 October 2001, and shall apply in respect of-(a) any registered learnership agreement entered into on or after that date; or(b) the completion by a learner on or after that date of any registered learnership agreement.)


3

Learnership Implementation GuideLearnership Tax Allowance

BELOW IS A SUMMARY OF THE MAIN ASPECTS OF THE LEGISLATION (Please refer to such for details ) TOGETHER WITH A SIMPLIFIED EXAMPLE

How to maximize your benefit from the Learnership Tax AllowanceIn addition to claiming Learnership Discretionary grants from INSETA (please refer to the Inseta Learnership Funding Policy),an employer can also claim a tax incentive when an employer registers a Learnership agreement with INSETA. Only Learnershipagreements that are formally registered with INSETA will qualify - as the South African Revenue Services (SARS) will checkwith INSETA before approving the claim.

The details of the tax incentive are contained in Government gazette No. 23 709 that was published on the 5 August 2002. Theentitlement derives from the Taxation Laws Amendment Act, No 30 of 2002. The amendment is however only applicable to anyLearnership agreements entered into or completed on or after the 1st of October 2001. You can find a copy on the SARS website: www.sars.gov.za (First select Legislation, then Acts, then Act No 30 of 2002) or on website www.inseta.org.za (First select Learnerships, then Legislation Relative to Learnerships, then Amendment to the income Tax Act).

Basically, you will have two opportunities to claim, one at the beginning of the Learnership and one at the successful conclusionof the Learnership.

AT THE BEGINNING OF THE LEARNERSHIP:

At the beginning of the Learnership, distinction is made between employed learners (who are referred to as 18(1) learners) andunemployed learners (who are referred to as 18(2) learners). Employed learners are those who are current employees and forwho contracts of employment were in existence before they entered into a Learnership. Unemployed learners are those whoare not current employees and for who contracts of employment did not exist before they entered into a Learnership.

For employed learners - 18(1) learners:Once an employer has entered into a Learnership agreement with a learner and has registered the agreement with INSETA, theemployer may deduct the LESSER of

70% of the annual salary paid to that learner OR R 17 500

During the relevant year of assessment.

If R17 500 is applicable, the actual tax saving based on a 30% company tax rate is R5 250. See example below.

For unemployed learners - 18(2) learners:

Once an employer has entered into a Learnership agreement with a learner and has registered the agreement with INSETA, the employer may deduct the LESSER of




AT THE END OF THE LEARNERSHIP:

The employer can claim again. At the end of the Learnership, NO distinction is made between employed learners (who arereferred to as 18(1) learners) and unemployed learners (who are referred to as 18(2) learners).


4



For Both employed learners - 18(1) learners and unemployed learners - 18(2)

Once a learner has successfully completed the Learnership, the employer may deduct the LESSER of




From the above it is clear that the actual tax savings are:

For employed learners - 18(1) learners: R5 250 (start) + R 7 500 (end) = R12 750AndFor unemployed learners - 18(2) learners: R7 500 (start) + R 7 500 (end) = R15 000

These in addition to Learnership discretionary grants, is a substantial amount that is made available to subsidise the training ofa learner on a Learnership.

BASIC EXAMPLE OF THE TAX ADVANTAGES OBTAINED FROM THIS ALLOWANCE:

Before a Learnership After an UNEMPLOYED After an EMPLOYED is engaged LEARNER is engaged LEARNER is engaged

in a Learnership in a Learnership

Company income 200 000 200 000 200 000

Less: Company expenses (100 000) (100 000) (100 000)

Gross income 100 000 100 000 100 000

Less: Allowances - (25 000) (17 500)

Taxable income 100 000 75 000 82 500

Tax payable @ 30% (30 000) (22 500) (24 750)

Gross income after tax 70 000 77 500 75 250

Tax saving 7 500 (1) 5 250 (2)

Notes to example:

1. Actual tax saving is R7 500 (R30 000 less R22 500) per learner, when Learnership agreement is signed. This is the first part. When the Learner completes the Learnership the same process is followed again and another tax saving of R7 500 will be available.

In real money, the first R7 500 (when Learnership agreement is signed) PLUS the second R7 500 totals R15 000 per learner on a Learnership. This is in addition to possible grants made available from INSETA.

2. Actual tax saving is R5 250 (R30 000 less R24 750) per learner, when Learnership agreement is signed. This is the first part. When the Learner completes the Learnership the same process is followed as in (1) and another tax saving of R7 500 will be available.

In real money, the first R5 250 (when Learnership agreement is signed) PLUS the second R7 500 totals R12 750 per learner on a Learnership. This is in addition to grants made available from INSETA.


5

Learnership Implementation GuideLearnership Tax Allowance

To claim the tax exemption employers must provide SARS with the following information:

r The name of the SETA with which the Learnership agreement is registeredr The title and code of the Learnership allocated and issued by the Department of Labour r The full names and ID number of the learner involved

SARS has developed a form (IT 180) that should be completed by employers claiming the deduction for Learnerships. This should be attached to the relevant income tax return. The form will provide for a declaration that the employer has complied with the Skills Development Levies Act and it will not be necessary for an employer to attach any further proof in this regard.

Where an employer has a number of learnership agreements, it will not be necessary to complete a form for each one. It will be sufficient to compile a schedule for all the learnership agreements provided that all of the information requested in the SARS form is included. Any such schedule must be signed by the employer with a declaration that the provisions of the Skills Development Levies Act have been complied with.

Deductions are not permissible if:

r The employer who is party to the learnership agreement changesr A learnership agreement is substituted by another learnership agreement entered into with the same learnerr A learnership agreement is entered into more than once with the same learner in respect of the same learnership.


Junior Administrator: NQF Level 2 14 February 05 L0001 1

LEARNERSHIP TITLE: Junior Administrator

NQF Level 2

Learnership Code: 13Q 1300 0134 1602 1. Information pertaining to the SETA

1.1 Name of SETA: INSETA

1.2 Name of Chamber (if applicable): N/A

1.3 Name of SETA official responsible for learnerships: Mr Saber Patel

1.4 SETA’s telephone number: (011) 544-2000

1.5 SETA’s fax number: (011) 484-0862

1.6 SETA’s postal address: PO Box 32035, BRAAMFONTEIN, 2017

1.7 SETA’s e mail address: [email protected]


2. Learnership information

2.1 Title of the Learnership: Junior Administrator: NQF Level 2

Title of the Qualification: National Certificate: Insurance Administration, NQF Level 2

2.2 NQF field: NSB 03

2.3 NQF sub-field: Finance, Economics and Accounting

2.4 NQF level: Level 2

2.5 Number of credits to be earned: 120 credits.

Skills in the insurance industry are mainly cognitive skills and show in the application to work of theory and knowledge that are generic across different positions in the industry. For this Learnership, learners are required to do a minimum of 350 hours practical work on the job experience In the insurance industry it is very difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and out-source other more generic skills. Smaller organisations use a range of private providers. All providers of training involved in INSETA Learnerships have to be accredited with an ETQA. In every Learnership situation within the Insurance & Investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. It is almost certain that the communication, mathematics and financial literacy units will be out-sourced to private providers. Training providers should use their discretion and be alert to situations where learners

• can be recognised for prior learning, • can be fast tracked, or • should be permitted additional time working on a task.

It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Junior Administrator Learnership

• offers opportunities for multi-skilling. • provides access for learners who could not otherwise be employed in the

industry. • can be adapted to ensure maximum relevance. Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of

i. The learner’s own interest and selected career path. ii. The needs of the organisation as identified in the Workplace Skills Plan. iii. A need identified as part of a performance appraisal by a line manager.


Mentored on-job Training Based on the whole qualification National Certificate: Insurance Administration, NQF Level 2

The work experience programme based on Core and selected Elective unit standards should total 350 hours. The programme should assess the application of knowledge from structured learning components into the learner’s own work situation as a Junior Administrator. Assessment Criteria for mentored on the job experience. For 29% of the 52 credits, which are in Core. • Core unit standards:

Indicate the sub-sectors of the Financial Services industry and the role of Insurance in the industry.

Demonstrate an understanding of the structure. Understand the nature of the insurance market in South Africa. Investigate the structure of an insurance company as a workplace. Keep informed about current affairs related to financial services in general and

insurance in particular. Behave in a professional manner in a business environment such as an

insurance workplace. Identify the types of records required in the insurance industry and understand

why it is necessary to create evidence and maintain confidentiality.

• Associated Assessment Criteria

A basic organogram of the organisation’s structure is drawn indicating the different departments and purpose of each.

Current events in the media that could impact on insurance are identified and the learner is able to participate in office discussions on events that relate to the industry.

The learner is able to talk about Financial Services using the terminology, language and style accepted in the industry in everyday workplace situations.

The learner is able to explain how his/her position or work activity fits into the department and the organogram structure, and how his/her work role impacts on the roles of other people in the organisation.

Elective unit standards: For 29 % of a minimum of 21 credits from a selection of unit standards relating to Junior Administrators, FOR EXAMPLE from:

Attend to customer enquiries in the insurance sector. Recommended. Process numerical and text information in an Insurance environment.

Recommended. Receive, distribute and dispatch mail in an insurance environment. Manage time and work processes within the insurance environment. Contribute to the health, safety and security of a financial services

workplace. Maintain an existing information system in an insurance environment.

Recommended. Operate and take care of equipment in an office environment.

Recommended. Recognise the effects of HIV/AIDS in the insurance industry and

workplace, and indicate the precautions that are necessary to avoid unnecessary transmission of the HI Virus.

Demonstrate knowledge and understanding of the individual’s basic rights and responsibilities under a medical scheme.


Demonstrate knowledge and understanding of the individual’s basic rights and responsibilities under a group retirement fund.

Demonstrate knowledge and understanding of the role, functions and duties of trustees of retirement funds.

Demonstrate knowledge and understanding of the role, functions and duties of trustees of medical schemes.

Demonstrate ability to use and interpret texts that apply to the role and responsibilities of trustees of retirement funds.

Develop and use keyboard skills to enter texts. Operate a personal computer system. Recommended. Describe the application and impact as well as social implications of

information technology. Demonstrate knowledge of and produce computer spreadsheets using

base functions. Demonstrate knowledge of and produce Word processing documents

using base functions. Recommended. Operate personal computer peripherals. Recommended. Demonstrate the ability to use electronic mail software to send and

receive messages. Recommended.

An Additional South African Language: that may be included as electives in the National Certificate in Financial Services: Level 2 Choose 10 credits from: • Engage with aesthetic, affective, cultural and social values in texts • Engage with meaning, organisation and structure of texts • Explore and use a variety of strategies to learn • Identify, access, analyse, use and present information • Show a critical awareness of language usage • Use appropriate communication skills, conventions and structure for

specific purposes and situations

Associated Assessment Criteria

Practical formative, continuous assessment according to a checklist provided by the trainer for the assessor, against the assessment criteria of the chosen elective unit standards.

Assessment using a variety of methods such as observation, taped evidence, examination of work or product etc. Assessment should follow the relevant ETQA’s Assessment Policy and guidelines.

2.6 Date of registration of the qualification on the NQF (if registered) and code and number of the qualification:

18 April 2001 - ID 14657

2.7 Date of application to SAQA for registration of the qualification (if not registered):

N/A 2.8 Name of ETQA responsible for quality assuring the qualification:

INSQA – Insurance Sector Quality Authority


3. Qualification and Unit Standards

Title Code NQF level Credit value

Percentage of assessment

Structured Learning Workplace Experience / Practical

Work

Details of qualification

National Certificate in Insurance Administration: NQF Level 2

14657 2 120

Details of unit standards

Fundamental Learning 47

Communication 20

Maintain and adapt oral communication. 8962 2 5 71% 29%

Access and use information from texts. 8963 2 5 71% 29%

Write for a defined context. 8964 2 5 71% 29%

Use language and communication in occupational learning programmes

8967 2 5 71% 29%





Work

Mathematical Literacy 16

Demonstrate understanding of rational and irrational numbers, and number systems, within the context of relevant calculations.

7480 2 3 71% 29%

Use mathematics to investigate and monitor the financial aspects of personal and community life.

7469 2 2 71% 29%

Work with a wide range of patterns and basic functions to solve problems

9007 2 5 71% 29%

Apply basic knowledge of statistics and probability in order to investigate life related problems

9009 2 3 71% 29%

Measure, estimate and calculate physical quantities and explore, describe and represent geometrical relationships in 2-dimensions in different life or workplace contexts.

12444 2 3 71% 29%

Financial Literacy 11

Examine the application of the Basic Conditions of Employment Act and its effect on earnings in own contract.

10717 2 2 71% 29%





Work

Investigate credit in own circumstances 10715 2 3 71% 29%

Use a personal budget to manage own money

10718 2 3 71% 29%

Examine the costs and benefits of using banking institutions for the managing personal finances

10716 2 3 71% 29%

Core Learning 52

Indicate the sub-sectors of the Financial Services industry and the role of Insurance in the industry.

8105 2 9 71% 29%

Demonstrate an understanding of the structure of the insurance sector in South Africa.

8077 2 8 71% 29%

Understand the nature of the insurance market in South Africa.

8076 2 5 71% 29%

Investigate the structure of an insurance company as a workplace.

8078 2 10 71% 29%

Keep informed about current affairs related to financial services in general and insurance in particular.

8095

2 10 71% 29%

Behave in a professional manner in a business environment such as an insurance workplace.

8096

2 5 71% 29%





Work

Identify the types of records required in the insurance industry and understand why it is necessary to create evidence and maintain confidentiality.

8097 2 5 71% 29%

Elective Learning Select unit standards relevant to a Junior

Administrator career path for a minimum of 21 Credits from the suggested list of electives. (It is also suggested that

additional unit standards be chosen to ensure all relevant aspects of knowledge

and skills is addressed).

21

Attend to customer enquiries in the insurance sector.

8098 2 2 71% 29%

Process numerical and text information in an Insurance environment.

9350 2 2 71% 29%

Maintain an existing information system in an insurance environment.

8103 2 3 71% 29%

Operate and take care of equipment in an office environment.

8104 2 2 71% 29%

Operate a personal computer system. 7547 2 6 71% 29%





Work

Demonstrate knowledge of and produce Word processing documents using base functions.

7568 2 3 71% 29%

Operate personal computer peripherals. 7566 2 3 71% 29%

Receive, distribute and dispatch mail in an insurance environment.

8100 2 2 71% 29%

Manage time and work processes within the insurance environment.

8101 2 2 71% 29%

Contribute to the health, safety and security of a financial services workplace.

114957

2 2 71% 29%

Recognise the effects of HIV/AIDS in the insurance industry and workplace, and

indicate the precautions that are necessary to avoid unnecessary

transmission of the HI Virus.

9356 2 4 71% 29%

Demonstrate knowledge and understanding of the individual’s basic rights and

responsibilities under a medical scheme.

12549 1 1 71% 29%





Work

Demonstrate knowledge and understanding of the individual’s basic

rights and responsibilities under a group retirement fund.

12546 1 1 71% 29%

Demonstrate knowledge and understanding of the role, functions and duties of trustees of retirement funds.

12547 3 4 71% 29%

Demonstrate knowledge and understanding of the role, functions and duties of trustees of medical schemes.

12550 3 4 71% 29%

Demonstrate ability to use and interpret texts that apply to the role and

responsibilities of trustees of retirement funds.

12548 3 4 71% 29%

Develop and use keyboard skills to enter text.

9357 1 4 71% 29%

Describe the application and impact as well as social implications of information

technology.

7546 2 5 71% 29%





Work

Demonstrate knowledge of and produce computer spreadsheets using base

functions.

7572 2 3 71% 29%

Demonstrate the ability to use electronic mail software to send and receive messages.

7571 2 3 71% 29%

An Additional African language at NQF level 1

Made up of 10 credits. See page 4 for possible titles. Learners may select from Sepedi,

Sesotho, Setwana, siSwati, Tshivenda, Xotsonga, Afrikaans, English, isiNdebele,

isiXhosa, isiZulu, and sigh language provided that

• The language has not been offered under fundamental.

• Only one language from the Nguni group may be offered as either elective or fundamental.

• Only one language from the Sotho group may be offered as either elective or fundamental.





Work

Elective unit standards at levels 2 and 3

from insurance and financial services related fields may be included in order to

ensure relevance. The qualification requirements must be met before

additional unit standards from other relevant qualifications are chosen.

The qualification requires an integrated summative assessment based on 350

hours of practical mentored on the job experience in a Junior Administration

position in an organisation. This is assessed against the selected Elective

unit standards and the Exit Outcomes and Assessment Criteria of the whole

qualification. Refer to motivation Points 2.5 and 4.


4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component.

Practical Time in the Workplace: 350 Hours

Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 288 Hours Refer to section 2.5, pages 3 to 4 Mentored on the Job Training.

A basic organogram of the organisation’s structure is drawn indicating the different departments and purpose of each. Current events in the media that could impact on insurance are identified and the learner is able to participate in office discussions on events that relate to the industry.

The learner is able to talk about Financial Services using the terminology, language and style accepted in the industry in everyday workplace situations. The learner is able to explain how his/her position or work activity fits into the department and the organogram structure, and how his/her work role impacts on the roles of other people in the organisation. Practical formative, continuous assessment according to a check-list provided by the trainer for line managers against the assessment criteria of the chosen elective unit standards. Assessment using a variety of methods such as observation, taped evidence,

Selected Elective unit standards: 62 Hours.

Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate selected unit standard


5. Learnership Discretionary Grants in favour of an Employer

For details on Inseta Learnership Discretionary Grants, please access:

• website www.inseta.org.za

• Click on Learnerships

• Click on Learnership Funding Policy 6. Minimum Learner Allowances

Learner allowances for learners who were not employed by the employer when the agreement was concluded, as provided for in section 18(2) of the Act.

Credits earned 0 - 120 121 - 240 241 - 360 361 - 480

Learner Allowance per Learner per year

@ R 519.60 per month

R 6 235.20


@ R 1 039.20 per month

R 12 470.40

Insurance and Investment Administrator 14 February 05 L0002 1

LEARNERSHIP TITLE: Insurance and Investment

Administrator NQF Level 2

Learnership Code: 13Q 13 00 3176 1202 1. Information pertaining to the SETA





1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Insurance and Investment Administrator

Title of the Qualification: National Certificate: Financial Services





Skills in the insurance industry are mainly cognitive skills and show in the application to work of theory and knowledge that are generic across different positions in the industry. For this Learnership, learners are required to do a minimum of 350 hours practical work on the job experience In the insurance industry it is very difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and out-source other more generic skills. Smaller organisations use a range of private providers. All providers of training involved in Inseta Learnerships have to be accredited with an ETQA. In every Learnership situation within the Insurance & Investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. It is almost certain that the communication, mathematics and financial literacy units will be out-sourced to private providers. Training providers should use their discretion and be alert to situations where learners


It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Insurance and Investment Administration Learnership

• offers opportunities for multi-skilling. • can be adapted to ensure maximum relevance. • Offers an opportunity for new entrants into the sector to equip themselves to

function in the Insurance and Investment environment as Insurance and Investment Administrators in the various sub sectors, through obtaining a recognised qualification.

• Offers an opportunity for Category A Intermediaries to access learning to meet the relevant FAIS and FSB Fit and Proper Licensing requirements.

• Offers the opportunity for unskilled and unemployed youth to acquire skills and work experience in the financial services business environment through a Learnership.

Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of

i. The learner’s own interest and selected career path. ii. The needs of the organisation as identified in the Workplace Skills Plan. iii. A need identified as part of a performance appraisal by a line manager. iv. A need identified as part of an organisation’s strategy towards an identified

goal.


Mentored on-job Training Based on the whole qualification: National Certificate in Financial Services NQF Level 2, ID 48783. The work experience programme based on Core and selected Elective unit standards should total 350 hours. The programme should assess the application of knowledge from structured learning components into the learner’s own work situation as Insurance and Investment Administrators.

Assessment Criteria for mentored on the job experience. For 29% of the 60 credits, which are in Core. Core unit standards Qualifying learners should be capable of: 1. Carrying out simple research and tasks and applying literacy and numeracy skills

within the structure of a financial services organisation and the context of the financial services sector. Associated unit standards • Indicate the sub-sectors in the Financial Services Industry and the role of

insurance and investment in the industry. • Explain the structure of the insurance and investment sub-sector in South Africa. • Investigate the nature of the financial services market in South Africa. • Investigate the structure of a financial services workplace. • Keep informed about current affairs related to the financial services industry. • Explain the implications of the Financial Advisors and Intermediaries Services

Act, (FAIS) for employees in financial services organisations.

Assessment Criteria • Current events and developments in the financial services industry are

discussed with reference to the potential impact on the financial services sector. • The financial services industry is explained with reference to its clients, market

and services and the role in wealth creation and wealth management. • The core business and support functions are identified in a selected financial

services organisation and an indication is given of the contribution of a selected business unit to the effectiveness of the organisation and the affect of FAIS on the specific business unit.

• Information is gathered, analysed and presented according to the requirements of a specific work role.

2. Managing personal finances.

Associated unit standards • Examine the application of the Basic Conditions of Employment Act and its

effect on earnings in own contract • Investigate credit in own circumstances • Use a personal budget to manage own money • Examine the costs and benefits of using banking institutions for managing

personal finances Assessment Criteria • The basic financial elements of an employment contract are explained with

reference to standard deductions and the reciprocal relationship between employer and employee.

• Knowledge of the cost of credit is applied to make a personal financial decision. • A budget for an individual is compiled that illustrates sound management of

personal finances and provision for unexpected occurrences.


• A decision is made and substantiated for own banking

3. Performing administrative functions and providing customer service by selecting and applying known solutions to well-defined routine problems within own level of authority as a member of a business unit.

Associated unit standards • Apply basic business ethics in a work environment. • Explore ways of participating effectively in a team or group. • Behave in a professional manner in a business environment. • Identify the types of records required in the financial services industry and

indicate why it is necessary to create evidence. • Manage time and the work process within the financial services environment. • Maintain an existing information system in a financial services environment. • Demonstrate the basic skills of customer service in a financial services

environment.

Assessment Criteria • Work output is in line with an agreed mandate, relevant service agreements and

an organisation’s customer service standards applicable to a clearly defined work role within a financial services environment.

• Methods, procedures and techniques of a clearly defined work role are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.

• Information is gathered, analysed and recorded according to the requirements of a specific work role and with due regard for compliance.

• Own professional behaviour is assessed against an organisation’s code of conduct and own performance agreement.

• Reasons for keeping records in a financial services environment are explained and information is stored and retrieved in line with a business unit’s service agreements and with due regard for security and confidentiality.

• Tasks are scheduled and prioritised to meet deadlines using appropriate management tools.

4. Explaining the implications and consequences of non-compliance with FAIS and

FICA legislation.

Associated unit standards • Explain how money-laundering legislation impacts on monetary transactions in South Africa. • Explain the implications of the Financial Advisors and Intermediaries Services

Act, (FAIS) for employees in financial services organisations.

Assessment Criteria • Legislation that impacts on a team or business unit is explained for a specific

business unit in a financial services environment. • The consequences of non-compliance are clearly indicated for practices

required in a specific work role in a financial services environment.

5. Explaining compulsory, statutory insurance and the role of the individual in contributing to the health and safety of a financial services workplace.

Associated unit standards • Explain the types of compulsory statutory insurance in South Africa and the role

of the individual in contributing to the health and safety of the workplace. • Contribute to the health, safety and security of a financial services workplace. • Explain HIV/AIDS and the effects on the financial services industry and

workplace, and indicate own role in creating a caring work environment.


Assessment Criteria • The consequences of non-compliance are clearly indicated for practices

required in a specific work role in a financial services environment. • The Unemployment Insurance Fund, Road Accident Fund and Workers’

Compensation are explained with reference to cover and the process to be followed in claiming benefits for each of the funds.

• Ways in which the individual can contribute to the creation of a safe and caring work environment are identified for a specific organisation.

6. Applying basic business ethics in a work environment.

Associated unit standard • Demonstrate an understanding of basic business ethics in a work environment. • Behave in a professional manner in a business environment. • Demonstrate the basic skills of customer service in a financial services environment.

Assessment Criteria • Knowledge of basic business ethics is applied to deal with authentic situations in a business unit. • Customer needs are dealt with professionally and ethically and in accordance with service level agreements.

7. Applying Knowledge of self to inform personal goals

Associated Unit Standard • Apply knowledge of self in order to make life decisions

Associated assessment Criteria • Knowledge of self is applied to establish key performance areas and key

performance indicators and to determine personal training needs Elective unit standards: For 29 % of a minimum of 13 credits from a selection of unit standards relating to Insurance and Investment Administrators, FOR EXAMPLE from:

Computer literacy • Operate a computer workstation in a business environment. Recommended.

Manage electronic mail in a business environment. • Use a web browser in a business environment. • Use a word processing package to produce business documents. • Use a spreadsheet package to produce business documents • Use a presentation package to produce business documents • Capture numerical data and text information on electronic database.

Recommended.

Administration and Call Centres • Access information to respond to client enquiries in a financial services

environment. Recommended. • Communicate verbally with clients in a financial services environment.

Recommended. • Receive, distribute and dispatch mail in a financial services environment. • Operate and take care of equipment in an office environment.


Financial Services Related Personal Development • Demonstrate knowledge and understanding of the role, functions and duties of

trustees of retirement funds. • Demonstrate ability to use and interpret texts that apply to the role and

responsibilities of trustees of retirement funds. • Demonstrate knowledge and understanding of the role, functions and duties of

trustees of medical schemes. • Render basic first aid in an office workplace. • Identify ways of managing relationships in own life. • Manage risk in own life. • Investigate the need to provide financially for own retirement. • Demonstrate knowledge and understanding of the individual’s basic rights and

responsibilities under a medical scheme. • Demonstrate knowledge and understanding of the individual’s basic rights and

responsibilities under a group retirement fund.

Giving financial information and intermediaries CATEGORY A (Registration with the Financial Services Board) • Market an assistance policy. • Indicate how different needs lead to the development of different financial

services products. Recommended. • Describe collective investment schemes. • Explain Healthcare Benefits Administration in South Africa. • Describe life insurance. • Describe funeral insurance. • Describe short term insurance

Life Skills • Apply ways of leading in different situations. • Investigate work opportunities in order to make a personal career/employment

decision • Explain the impact of personal wellness on work performance. • Identify risks associated with substance abuse and addiction in own life. • Identify risks associated with disability in own life. • Identify causes of with stress in own life and techniques to manage it. • Identify oneself in a situation of abuse and develop coping mechanisms. • Identify ways to manage anxiety and depression in own life situation. • Describe how to manage risks ad reactions associated with abuse in the

workplace. • Demonstrate knowledge and understanding of the rights and responsibilities of

the individual under the South African Constitution • Demonstrate knowledge and understanding of the structures that reinforce and

support human rights in South Africa. • Apply problem-solving techniques to make a decision or solve a problem in a

real life context. Recommended. • Explain and apply ways in which the individual can contribute to community

development. • Design ways of creating a caring environment for people who are vulnerable. • Explain how to manage diversity in the workplace.

Additional financial literacy standards that may be included as electives in the National Certificate in Financial Services: Level 2 • Identify ways of improving employment prospects. • Manage personal expenditure. • Research costs associated with marriage, birth, divorce and death in own

circumstances.


Additional second South African Language: that may be included as electives in the National Certificate in Financial Services: Level 2 Choose 10 credits from • Engage with aesthetic, affective, cultural and social values in texts • Engage with meaning, organisation and structure of texts • Explore and use a variety of strategies to learn • Identify, access, analyse, use and present information • Show a critical awareness of language usage • Use appropriate communication skills, conventions and structure for specific

purposes and situations

Practical formative, continuous assessment according to a checklist provided by the trainer for assessors, against the assessment criteria of the chosen elective unit standards. Assessment should use a variety of methods such as observation, taped evidence, examination of work or product etc. Assessment should follow the relevant ETQA’s Assessment Policy and guidelines.

2.6 Date of registration of the qualification on the NQF (if registered) and code and

number of the qualification:

11 August 2004 – ID 48783


N/A.

2.8 Name of ETQA responsible for quality assuring the qualification:

INSQA – Insurance Sector Quality Authority



Title Code NQF Level Credit value Percentage of assessment

Structured Learning Workplace Experience / Practical Work

Details of Qualification

National Certificate in Financial Services

ID48783 2 120


Fundamental Learning

47

Communication

20

Maintain and adapt oral communication.

8962 2 5 71% 29%

Access and use information from texts.

8963 2 5 71% 29%

Write for a defined context.

8964 2 5 71% 29%


8967 2 5 71% 29%





16

Demonstrate understanding of rational and irrational numbers and number systems.

7480

2

3

71% 29%

Use mathematics to investigate and monitor the financial aspects of personal and community life.

7469

2

2

71% 29%

Work with a range of patterns and functions and solve problems.

9007

2

5

71% 29%

Apply basic knowledge of statistics and probability to influence the use of data and procedures in order to investigate life related problems.

9009

2

3

71% 29%

Identify, describe, compare, classify, explore shape and motion in 2- and 3-dimensional shapes in different contexts.

9008

2

3

71% 29%




Financial Literacy

11

Examine the application of the Basic Conditions of Employment Act and its effect on earnings in own contract.

10717 2 2 71% 29%

Investigate credit in own circumstances. 10715 2 3 71% 29%

Use a personal budget to manage own money.

10718 2 3 71% 29%

Examine the costs and benefits of using banking institutions for the managing personal finances.

10716 2 3 71% 29%

Core Learning 60

Indicate the sub-sectors in the Financial Services industry and the role of Insurance and Investment in the industry.

114955 2 5 71% 29%

Explain the structure of the insurance and investment sub-sector in South Africa. 114954 2 5 71% 29%

Investigate the nature of the financial services market in South Africa.

114953 2 5 71% 29%

Investigate the structure of a financial services workplace.

114962 2 3 71% 29%

Keep informed about current affairs related to the financial services industry.

114969 2 10 71% 29%




Apply basic business ethics in a work environment

113924

2 2 71% 29%

Behave in a professional manner in a business environment.

114959 2 4 71% 29%

Identify the types of records required in the financial services industry and indicate why it is necessary to create evidence.

114973 2 2 71% 29%

Explain HIV/AIDS and the effects on the financial services industry and workplace, and indicate own role in creating a caring work environment.

114961 2 5 71% 29%

Contribute to the health, safety and security of a financial services workplace.

114957 2 2 71% 29%

Explain how money laundering legislation impacts on monetary transactions in South Africa.

113904

2 2 71% 29%

Explain the implications of the Financial Advisors and Intermediaries Services Act, (FAIS) for employees in financial services organisations.

113918

2 2 71% 29%

Use time management techniques to manage time in a financial services environment..

115772 2 2 71% 29%

Maintain an existing information system in a financial services environment.

114971 2 2 71% 29%




Apply knowledge of self in order to make a life decision

11813

2 3 71% 29%

Participate effectively in a team or group.

114936 2 2 71% 29%

Explain the types of compulsory statutory insurance in South Africa

114966 3 2 71% 29%

Apply the basic skills of customer service

114974 2 2 71% 29%

Elective learning

Select unit standards relevant to an Insurance and Investment Administrator career path for a minimum of 13 Credits from the suggested list of electives. (It is

also suggested that additional unit standards be chosen to ensure all relevant

aspects of knowledge and skills is addressed).

13

Operate a computer workstation in a business

environment. 114979 3 2 71% 29%

Capture numerical data and text information

on electronic database. 114981 2 2 71% 29%

Access information to respond to client

enquiries in a financial services environment. 9302 3 2 71% 29%

Communicate verbally with clients in a financial

services environment. 9303 3 3 71% 29%




Indicate how different needs lead to the development of different financial services

products.

114985 3 4 71% 29%

Apply problem-solving techniques to make a

decision or solve a problem in a real life context.114952 3 2 71% 29%

Manage electronic mail in a business

environment. 114984 3 2 71% 29%

Use a web browser in a business environment. 114975 3 3 71% 29%

Use a word processing package to produce

business documents. 114978 3 3 71% 29%

Use a spreadsheet package to produce

business documents

114977 3 3 71% 29%

Use a presentation package to produce

business documents. 114980 3 3 71% 29%

Receive, distribute and dispatch mail. 114982 2 2 71% 29%

Operate and take care of equipment in an

office environment. 114976 2 2 71% 29%

Demonstrate knowledge and understanding of

the role, functions and duties of trustees of retirement funds.

12547

3 4 71% 29%

Demonstrate ability to use and interpret texts that apply to the role and responsibilities of

trustees of retirement funds.

12548

3 4 71% 29%


the role, functions and duties of trustees of medical schemes.

12550

3 4 71% 29%


Title Code NQF Level Credit value Percentage of

assessment


Render basic first aid in an office workplace. 113929

2 4 71% 29%

Identify ways of managing relationships in own life.

114945 2 2 71% 29%

Manage risk in own life. 114970 3 3 71% 29%

Investigate the need to provide financially for own retirement.

114960 3 3 71% 29%

Demonstrate knowledge and understanding of the individual’s basic rights and responsibilities

under a medical scheme.

12549

1

1 71% 29%

Demonstrate knowledge and understanding of the individual’s basic rights and responsibilities

under a group retirement fund.

12546

1

1 71% 29%

Market an assistance policy. 114958 2 3 71% 29%

Describe collective investment schemes. 8990 3 2 71% 29%

Explain Healthcare Benefits Administration in

South Africa. 114972 3 2 71% 29%

Describe life insurance. 114983 3 3 71% 29%

Describe funeral insurance. 114956 3 2 71% 29%

Describe short term insurance 114964 3 3 71% 29%




Apply ways of leading in different situations. 114950 2 3 71% 29%

Investigate work opportunities in order to make a personal career/employment decision.

11818 2 2 71% 29%

Explain the impact of personal wellness on work performance.

113907 3 2 71% 29%

Identify risks associated with substance abuse and addiction in own life.

114940 2 2 71% 29%

Identify risks associated with disability in own life.

114933 2 2 71% 29%

Identify causes of with stress in own life and techniques to manage it.

114939 2 2 71% 29%

Identify oneself in a situation of abuse and develop coping mechanisms.

114949 2 2 71% 29%

Apply knowledge of self and own situation to manage the risks resulting from change in the

workplace.

116966 3 3 71% 29%

Identify ways to manage anxiety and

depression n own life situation. 114944 2 2 71% 29%

Describe how to manage risks and reactions

associated with abuse in the workplace. 114935 3 3 71% 29%

Demonstrate knowledge and understanding of the rights and responsibilities of the individual

under the South African Constitution.

11816

2 2 71% 29%


the structures that reinforce and support human rights in South Africa.

11817

2 3 71% 29%




Explain and apply ways of contributing to

community development. 114937 3 5 71% 29%

Design ways of creating a caring environment

for people who are vulnerable. 114947 3 3 71% 29%

Explain how to manage diversity in the

workplace. .

114932 3 2 71% 29%

Identify ways of improving employment

prospects. 10713 3 3 71% 29%

Manage personal expenditure. 10712 3 3 71% 29%

Research costs associated with marriage, birth,

divorce and death in own circumstances. 10714 3 4 71% 29%

An Additional African language at NQF level 1

Made up of 10 credits – see page 7 for possible titles

Learners may select from Sepedi, Sesotho, Setwana, siSwati, Tshivenda,

Xotsonga, Afrikaans, English, isiNdebele, isiXhosa, isiZulu, and sigh language

provided that • The language has not been offered under

fundamental. • Only one language from the Nguni group

may be offered as either elective or fundamental.

• Only one language from the Sotho group may be offered as either elective or fundamental.




Elective unit standards at levels 2 and 3 from insurance and financial services

related fields may be included in order to ensure relevance.

The qualification requirements must be met before additional unit standards from other relevant qualifications are

chosen.


hours of practical mentored on the job experience in an Insurance and

Investment Administration position in an organisation. This is assessed against the selected Elective unit standards and the exit outcomes and assessment criteria of

the whole qualification. Refer to motivation Points 2.5 and 4.


4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate, practical application will be included in structured learning, but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Total Practical Time in the Workplace 350 Hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 312 Hours Refer to section 2.5, pages 3 to 7 Mentored on the Job Training.

Current events and developments in the financial services industry are discussed with reference to the potential impact on the financial services sector. The financial services industry is explained with reference to its clients, market and services and the role in wealth creation and wealth management. The core business and support functions are identified in a selected financial services organisation and an indication is given of the contribution of a selected business unit to the effectiveness of the organisation and the affect of FAIS on the specific business unit. The basic financial elements of an employment contract are explained with reference to standard deductions and the reciprocal relationship between employer and employee. Knowledge of the cost of credit is applied to make a personal financial decision. A budget for an individual is compiled that illustrates sound management of personal finances and provision for unexpected occurrences. A decision is made and substantiated for own banking Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to a clearly defined work role within a financial services environment. Methods, procedures and techniques of a clearly defined work role are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. Information is gathered, analysed and recorded according to the requirements of a specific work role and with due regard for compliance. Own professional behaviour is assessed against an organisation’s code of conduct and own performance agreement. Reasons for keeping records in a financial services environment are explained and information is stored and retrieved in line with a business unit’s service agreements and with due regard for security and confidentiality.


Tasks are scheduled and prioritised to meet deadlines using appropriate management tools. Legislation that impacts on a team or business unit is explained for a specific business unit in a financial services environment. The consequences of non-compliance are clearly indicated for practices required in a specific work role in a financial services environment. The Unemployment Insurance Fund, Road Accident Fund and Workers’ Compensation are explained with reference to cover and the process to be followed in claiming benefits for each of the funds. Ways in which the individual can contribute to the creation of a safe and caring work environment are identified for a specific organisation. Knowledge of basic business ethics is applied to deal with authentic situations in a business unit. Customer needs are dealt with professionally and ethically and in accordance with service level agreements.

Selected Elective unit standards: 38 Hours


5. Learnership Discretionary Grant in favour of an employer

For details on INSETA Learnership Discretionary Grants, please access:



• Click on Learnership Funding Policy 6. Minimum Learnership Allowances


Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

Insurance Administrator: Level 3 14 February 05 L0003 1

LEARNERSHIP TITLE: Insurance Administrator

NQF Level 3 Learnership Code: 13Q 13 00 0244 1603

1. Information pertaining to the SETA





1.5 SETA’s fax number: (011) 484-0862


1.7 SETA’s e-mail address: [email protected]



2.1 Title of the Learnership: Insurance Administrator: NQF Level 3

Title of the Qualification: National Certificate: Insurance, NQF Level 3





Skills in the insurance industry are mainly cognitive skills and the application of theory and knowledge that are generic across different positions in the industry. For this Learnership learners are required to complete a minimum of 350 hours mentored practical work experience. In the insurance industry it is very difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and out-source other more generic skills. Smaller organisations use a range of private providers. It is almost certain that training in the communication, mathematical literacy and financial literacy unit standards will be out-sourced to private providers. All providers of training involved in INSETA Learnerships have to be accredited with an ETQA. In every Learnership situation within the Insurance and Investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. Training providers should use their discretion and be alert to situations where learners


It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Insurance Administrator Learnership: • offers an opportunity for Insurance Administrators to obtain a recognised

qualification where there was previously none. • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the

industry. Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of

i. The learner’s own interest and selected career path ii. The needs of the organisation as identified in the Workplace Skills Plan iii. A need identified as part of a performance appraisal by a line manager iv. A need identified as part of an organisation’s strategy towards an identified

goal.


Mentored on-job training Based on the whole qualification: National Certificate: Insurance, registered on 11 October 2001 – ID 20177. The work experience programme based on Core and selected Elective unit standards should total 350 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as an Insurance Administrator. Assessment Criteria for mentored on the job experience. For 29% of the 55 credits, which are in Core. • Core unit standards:

The Learner is able to talk about different aspects of financial services using the terminology, language and style accepted in the industry in everyday workplace situations.

The learner is able to understand life insurance, short term insurance, unit trusts, healthcare benefit administration, funeral insurance, and retirement funding well enough to talk about them using terminology, language and style accepted in the industry in everyday workplace situations.

The learner is familiar enough with the main products marketed by a selected organisation to talk with understanding about the products and their intended target audience.

Events in the media that could impact on insurance are recognised and the learner is able to discuss their potential impact in workplace situations.

• Elective unit standards: For 29% of a minimum of 22 credits from a

selection of unit standards relating to insurance administration, FOR EXAMPLE from:

Demonstrate ability to use the world- wide web. Indicate the scope of life insurance in South Africa. Recommended. Indicate the scope of short term insurance in South Africa.

Recommended. Describe importance of a healthy lifestyle for members of medical

schemes and explain the concept of corporate wellness. Outline the structure of the Collective Investment industry.

Recommended. Indicate how Collective Investments are reported. Explain basic transactions in the Collective Investment industry. Describe healthcare funding in South Africa and the role of

intermediaries in the sector. Recommended. Administer Long-term employee benefits and healthcare membership. Market a single need insurance policy to a niche market. Explain the types of compulsory statutory insurance in South Africa. Produce written evidence of short term insurance contracts and maintain

records of policies and premiums. Produce word processing documents for business. Recommended. Produce and use spreadsheets for business. Recommended. Produce presentation documents for business. Demonstrate the ability to use electronic mail software to send and

receive messages. Recommended.



Practical formative, continuous assessment according to a checklist provided by the trainer for assessors, against the assessment criteria of the chosen elective unit standards.



11 October 2001 - ID. 20177


N/A


INSQA – Insurance Sector Quality Assurer






National Certificate in Insurance: NQF Level 3

20177 3 120

Details of unit standards Fundamental Learning 43

Communication

20 credits made up of 15 compulsory credits for FET unit standards and 5 credits from

contextualised communication unit standards.

15

Accommodate audience and context needs in oral communication.

8968 3 5 71% 29%

Interpret and use information from texts. 8969 3 5 71% 29%

Write texts for a range of communicative contexts.

8970 3 5 71% 29%

Contextualised unit standards at level 3 – Choose unit standards that add up to 5

credits. Choice should be relevant to the job

5


8973 3 5 71% 29%

Analyse and respond to a variety of literary texts.

8971 3 5 71% 29%

Interpret a variety of literary texts. 8972 3 5 71% 29%




Access information in order to respond to client enquiries in a business environment.

9302 3 2 71% 29%

Communicate verbally with clients in a business environment.

9303 3 3 71% 29%


16

Demonstrate understanding of the use of different number bases and measurement units and an awareness of error in the context of relevant calculations

9010

3 2 71% 29%

Use mathematics to investigate and monitor the financial aspects of personal, business and national issues.

7456

3 5 71% 29%

Investigate life and work related problems using data and probabilities

9012

3 5 71% 29%

Describe, apply, analyse and calculate shape and motion in 2- and 3-dimensional space in different contexts.

9013

3 4 71% 29%




Financial Literacy

10

Manage personal expenditure

10712 3 3 71% 29%

Research costs associated with marriage,

birth, divorce and death in own circumstances.

10714 3 4 71% 29%

Identify possible ways of improving

employment prospects. 10713 3 3 71% 29%

Core Learning 55

Research the history of the Financial Services industry in South Africa.

8986

3

10

71% 29%

Indicate how different needs lead to the

development of different insurance products.

8987 3 4 71% 29%

Describe life insurance.

8988

3 2

71% 29%

Describe short term insurance.

8989

3 2

71% 29%

Describe Collective Investment Schemes.

8990

3 2

71% 29%




Explain healthcare benefits administration in South Africa.

8991

3

2

71% 29%

Describe retirement funding in South Africa.

8992

3

2

71% 29%

Interpret current affairs related to financial services in general and insurance in particular.

8993

3

10

71% 29%

Recognise the effects of HIV/AIDS in the insurance industry and workplace, and indicate the precautions that are necessary to avoid unnecessary transmission of the virus.

9356

2

4

71% 29%

Manage risk in own life.

8994

3

3

71% 29%

Describe funeral insurance.

8995

3

2

71% 29%

Operate a personal computer system.

7547

2

6

71% 29%

Operate personal computer peripherals.

7566

2

3

71% 29%

Develop and use keyboard skills to enter texts.

9357

1

3

71% 29%




Elective Learning

Select unit standards relevant to an Insurance Administrator career path for a

minimum of 22 Credits from the suggested list of electives. (It is also

suggested that additional unit standards be chosen to ensure all relevant aspects of knowledge and skills is addressed).

22

Indicate the scope of life insurance in South Africa.

8996

3

3

71% 29%

Indicate the scope of short term insurance in South Africa.

8997

3

3

71% 29%

Outline the structure of the Collective Investment industry. 8999

3

2

71% 29%

Describe healthcare funding in South Africa and the role of intermediaries in the sector.

9002

3

3

71% 29%

Produce word processing documents for business.

7570

3

5

71% 29%

Produce and use spreadsheets for business.

7567

3

5 71% 29%


7571

2

3

71% 29%

Describe importance of a healthy lifestyle for members of medical schemes and explain the concept of corporate wellness.

8998

3

2

71% 29%




Indicate how Collective Investment scheme portfolios are reported.

9000

3

2

71% 29%

Explain basic transactions in the Collective Investment industry.

9001

3

4

71% 29%

Administer long-term employee benefits and healthcare membership.

9003

3

2

71% 29%

Market a single need insurance policy to a niche market.

9004

2

2

71% 29%

Explain the types of compulsory statutory insurance in South Africa.

9005

3

2

71% 29%

Produce written evidence of short term insurance contracts and maintain records of policies and premiums.

9006

3

3

71% 29%

Produce presentation documents for business.

7575

3

5

71% 29%

Demonstrate ability to use the World Wide Web.

7573

2

3

71% 29%




An additional SA Language at NQF level 2

Optional for 10 Credits



provided that • The language has not been offered

under fundamental • Only one language from the Nguni

group may be offered as either elective or fundamental

• Only one language from the Sotho group may be offered as either elective or fundamental

The Elective unit standards for an alternate South African language have not been listed, however learners may choose any of the registered Communication unit standards.


Title Code NQF Level Credit value



Elective unit standards at level 2, 3, and 4 from insurance and financial services

related fields may be included as electives in order to ensure relevance. The

qualification requirements must be met before additional unit standards from

other relevant qualifications are chosen.


hours of practical mentored on the job experience in an Insurance Administration

position in an organisation. This is assessed against the selected Elective unit

standards and the Exit Outcomes and Assessment Criteria of the whole

qualification. Refer to motivation Points 2.5 and 4.


4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 350 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamental: 286 Hours. Refer to section 2.5, pages 3 to 4 Mentored on the Job Training

The Learner is able to talk about different aspects of financial services using the terminology, language and style accepted in the industry in everyday workplace situations. The learner is able to understand life insurance, short term insurance, unit trusts, healthcare benefit administration, funeral insurance, and retirement funding well enough to talk about them using terminology, language and style accepted in the industry in everyday workplace situations. The learner is familiar enough with the main products marketed by a selected organisation to talk with understanding about the products and their intended target audience. Events in the media that could impact on insurance are recognised and the learner is able to discuss their potential impact in workplace situations.

Electives: Practical application: 64 Hours.

Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate selected unit standards


For details on Inseta Learnership Discretionary Grants, please access: • website www.inseta.org.za


• Click on Learnership Funding Policy


6. Minimum Learner Allowances


Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 11 742.96

Insurance and Investment Team Leader / Supervisor 14 February 05 L0004 1

LEARNERSHIP TITLE: Insurance and Investment Team Leader / Supervisor

NQF Level 3 Learnership Code: 13Q 13 00 3073 1303 1. Information pertaining to the SETA





1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Insurance and Investment Team Leader / Supervisor

Title of the Qualification: National Certificate in Financial Services Management





Skills in the insurance industry are mainly cognitive skills and the application of theory and knowledge that are generic across different positions in the industry. For this Learnership learners are required to complete a minimum of 380 hours mentored practical work experience. In the insurance industry it is difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and may out-source other more generic skills. Smaller organisations use a range of private providers. It is almost certain that the communication, mathematics and financial literacy units will be out-sourced to private providers. All providers of training involved in Inseta Learnerships have to be accredited with an ETQA. In every Learnership situation within the insurance & investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. Training providers should use their discretion and be alert to situations where learners


It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Insurance and Investment Team Leader / Supervisor Learnership: • offers an opportunity for Insurance and Investment Team Leaders and

Supervisors to obtain a recognised qualification where there was previously none

• offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the

industry Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of


goal.


Mentored on-job training Based on the whole qualification: National Certificate in Financial Services Management, registered on 11 February 2004 - ID 48494. The work experience programme based on Core and selected Elective unit standards should total 380 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as an Insurance / Investment Team Leader / Supervisor. Assessment Criteria for mentored on the job experience. For 29% of the 71 credits, which are in Core. Qualifying learners should be capable of:

1. Carrying out simple research and tasks and explaining the role of a specific team or business unit within the structure of a financial services organisation and the context of the financial services sector.

Associated unit standards • Investigate and explain the structure of a selected workplace or organisation. • Explain the structure of the Financial Services Industry in South Africa. • Research the history of the Financial Services industry in South Africa. • Interpret current affairs related to a specific business sector.

Assessment Criteria • New developments and trends in the financial services industry are

interpreted from reports in the media and current developments in industry are discussed with reference to the potential impact on the financial services sector.

• The financial services industry is explained with reference to its clients, market and services and the role in wealth creation and wealth management.

• The structure of a specific organisation is analysed and a business unit is aligned to the business strategy.


• The role of a specific team or business unit is explained in the context of a specific financial services organisation and the financial services industry.

2. Making significant choices from a wide range of procedures and operating in

a number of contexts in a financial services environment.

Associated unit standards • Investigate and explain the structure of a selected workplace or organisation. • Explain the structure of the Financial Services Industry in South Africa. • Research the history of the Financial Services industry in South Africa.

Assessment Criteria

• New developments and trends in the financial services industry are interpreted from reports in the media and current developments in industry are discussed with reference to the potential impact on the financial services sector.


• The structure of a specific organisation is analysed and a business unit is aligned to the business strategy.


3. Performing basic management functions in a financial services environment.

Associated unit standards • Identify and keep of records that a team manager is responsible for keeping. • Manage time and the work process in a business environment.. • Discuss the role of the team leader in ensuring that a team meets an

organisation’s standards. • Induct a new member into a team. • Coach a team member in order to enhance individual performance in a team. • Interpret current affairs related to a specific business sector.

Assessment Criteria • Work output is in line with an agreed mandate, relevant service

agreements and an organisation’s customer service standards applicable to a clearly defined work role within a financial services environment.


• Information is gathered, analysed and recorded according to the requirements of a specific work role and with due regard for compliance.

• A plan is developed to enhance team performance within a specific organisation.

4. Explaining the implications and consequences of non-compliance with FAIS

and FICA legislation.

Associated unit standards • Explain how money laundering legislation impacts on monetary transactions

in South Africa. • Explain the implications of the Financial Advisors and Intermediaries

Services Act, (FAIS) for employees in financial services organisations.


required in a specific work role in a financial services environment.

5. Explaining compulsory, statutory insurance and the impact of wellness on work performance.

Associated unit standards • Explain the impact of personal wellness on work performance. • Explain the types of compulsory statutory insurance in South Africa.


required in a specific work role in a financial services environment. • The impact of wellness on a business unit or team is explained and an

indication is given of the factor’s that influence the wellness of a specific team.

• Legislation that impacts on a team is explained for a specific team or business unit in a financial services environment


6. Co-ordinating with others and applying knowledge of self and team to

enhance team performance and meet an organisation’s standards in a financial services environment.

Associated unit standards • Apply knowledge of self and team in order to develop a plan to enhance

team performance. • Discuss the role of the team leader in ensuring that a team meets an

organisation’s standards. Assessment Criteria

• Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to a clearly defined work role within a financial services environment.



7. Managing their own finances and risk in their own lives.

Associated unit standards

• Manage risk in own life.

Assessment Criteria

• The risk management process is applied to own role as a manager and a plan is developed to minimise the risk.

8. Applying basic business ethics in a work environment.

Associated unit standard • Demonstrate an understanding of basic business ethics in a work

environment.

Assessment Criteria • Knowledge of basic business ethics are applied to deal with situations in

the team or business unit. Elective unit standards: For 29 % of a minimum of 13 credits from a selection of unit standards relating to Insurance / Investment Team Leaders / Supervisors, FOR EXAMPLE from: • Contribute to the health, safety and security of the workplace in the

insurance industry. • Recognise the effects of HIV/AIDS in the insurance industry and


• Use a personal budget to manage own money. • Render basic first aid in an office workplace. • Explain the application of the Basic Conditions of Employment Act in an

employment contract. Recommended. • Use an electronic system as a tool in a financial services context.

Recommended.


• Explain Healthcare Benefits Administration in South Africa. • Describe the importance of a healthy lifestyle for members of medical

schemes and explain the concept of corporate wellness. • Describe healthcare funding in South Africa and the role of

intermediaries in the sector. Recommended. • Administer long term employee benefits and healthcare membership. • Demonstrate knowledge and understanding of the role, functions and

duties of trustees of medical schemes. • Describe funeral insurance. Recommended. • Describe life insurance. Recommended. • Indicate the scope of life insurance in South Africa. • Describe retirement funding in South Africa. Recommended. • Demonstrate knowledge and understanding of the role, functions and

duties of trustees of retirement funds. • Demonstrate ability to use and interpret texts that apply to the role and

responsibilities of trustees of retirement funds. • Outline the structure of the collective investment industry. • Indicate the scope of short term insurance in South Africa. • Describe collective investment schemes. Recommended. • Indicate how collective investment scheme portfolios are reported. • Explain basic transactions in the collective investment industry. • Describe short term insurance. Recommended. • Demonstrate knowledge and insight into the Collective Investment

Schemes Control Act 45 of 2002 (CISCA). • Demonstrate knowledge and insight into the Policyholder Protection

Legislation. • Demonstrate knowledge and insight into the Medical Schemes Act (131

of 1998) and the accompanying regulations. • Demonstrate knowledge and understanding of the statutory cover

afforded under the Compensation For Occupational Injuries And Diseases Act, 130 of 1993, as amended (COIDA).

• Demonstrate knowledge and insight into the Compensation for Occupational Injury and Disease Act 130 of 1993 (COIDA).

• Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to employee retirement and insurance benefits.

• Demonstrate knowledge and understanding of the Primary legislation that impacts on retirement funds.

• Explain and apply the Occupational Health and Safety Act 85 of 1991 (OHSA) (as amended) and the responsibilities of management under the Act.

• Describe insurance cover against damage caused by riots and acts of terrorism and violence against public authorities in South Africa.

• Demonstrate knowledge and insight into the Long Term Insurance Act (1998).

• Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and the accompanying regulations.

• Produce word processing documents for business. • Produce and use spreadsheets for business. • Produce presentation documents for business. • Demonstrate the ability to use electronic mail software to send and

receive messages. • Demonstrate knowledge and understanding of the rights and

responsibilities of the individual under the South African Constitution.


• Demonstrate knowledge and understanding of the structures that reinforce and support human rights in South Africa.


Practical formative, continuous assessment according to a checklist

provided by the trainer for the assessor, against the assessment criteria of the chosen elective unit standards.



Date 11 February 2004 - ID 48494


N/A



Insurance and Investment Team Leader / Supervisor 14 February 05 8





National Certificate in Financial Services Management

48494 3 130


Communication

20 credits. Made up of 15 compulsory credits from FET and 5 contextualised

credits

15

Accommodate audience and context needs in oral communication 8968 3 5 71% 29%

Interpret and use information from texts 8969 3 5 71% 29%

Write texts for a range of communicative contexts 8970 3 5 71% 29%

Contextualised Communication unit standards at level 3 – Choose 5 credits.

Choose a unit standard that is relevant to the career path.

The balance of these standards may be included as electives

5





8973 3 5 71% 29%


enquiries in a financial services environment

9302 3 2 71% 29%

Communicate verbally with clients in a financial services environment 9303 3 3 71% 29%


Demonstrate understanding of the use of different number bases and measurement

units and an awareness of error in the context of relevant calculations.

9010

3

2 71% 29%

Use mathematics to investigate and monitor the financial aspects of personal, business

and national issues.

7456

3

5

71% 29%

Investigate life-related problems using data

and probabilities.

9012

3

5 71% 29%

Describe, apply, analyse and calculate shape and motion in 2- and 3- dimensional

space in different contexts

9013

3

4 71% 29%




Financial Literacy Choose 10 credits

10

Identify possible ways of improving employment

prospects 10713 3 3 71% 29%

Manage personal expenditure 10712 3 3 71% 29%


birth, divorce and death in own circumstances

10714 3 4 71% 29%

Core Learning 71

Explain the structure of the Financial Services

Industry in South Africa 113922 3 3 71% 29%

Research the history of the Financial Services

industry in South Africa. 8986 3 10 71% 29%

Apply knowledge of self and team in order to develop a plan to enhance team performance

13912 3 5 71% 29%

Identify and keep the records that a team

manager is responsible for keeping. 13916 3 4 71% 29%

Manage time and the work process in a business environment.

13918 3 4 71% 29%

Investigate and explain the structure of a selected workplace or organisation

13919 3 10 71% 29%

Indicate the role of the team leader in

ensuring that a team meets an Organisation’s standards

13917 3 4 71% 29%




Induct a new member into a team

13911

3

3 71% 29%

Coach a team member in order to enhance

individual performance in a team.

113909

3

5 71% 29%

Explain the impact of personal wellness on work performance.

113907

3

2 71% 29%

Interpret current affairs related to a specific

business sector.

14665

3

10 71% 29%

Manage risk in own life

8994

3

3 71% 29%

Explain the types of compulsory statutory

insurance in South Africa

9005

3

2 71% 29%

Explain how money laundering legislation impacts on monetary transactions in South

Africa.

113904

2

2 71% 29%

Explain the implications of the Financial Advisors and Intermediaries Services Act, (FAIS) for employees in financial services

organisations

113918

2

2 71% 29%

Apply basic business ethics.

113924

2

2 71% 29%




Elective Learning Select unit standards relevant to an

Insurance / Investment Team Leader / Supervisor career path for a minimum of

13 Credits from the suggested list of electives. (It is also suggested that

additional unit standards be chosen to ensure all relevant aspects of knowledge

and skills is addressed).

13

Explain the application of the Basic Conditions of Employment Act in an employment contract.

113915 3 2 71% 29%

Use an electronic system as a tool in a financial services context.

113911 3 2 71% 29%


9002 3 3 71% 29%

Describe funeral insurance 8995 3 2 71% 29%

Describe life insurance 8988 3 2 71% 29%

Describe retirement funding in South Africa 8992 3 2 71% 29%

Describe collective investment schemes. 8990 3 2 71% 29%


Contribute to the health, safety and security of the workplace in the insurance industry.

8102 2 4 71% 29%


Title Code NQF Level Credit

value Percentage of assessment


Recognise the effects of HIV/AIDS in the insurance industry and workplace, and indicate

the precautions that are necessary to avoid unnecessary transmission of the HI Virus

9356 2 4 71% 29%

Use a personal budget to manage own money 10718 2 3 71% 29%

Render basic first aid in an office workplace 113929 2 4 71% 29%

Market a single need insurance policy to a niche market

9004 2 2 71% 29%

Explain Healthcare Benefits Administration in South Africa

8991 3 2 71% 29%

Describe the importance of a healthy lifestyle for members of medical schemes and explain the

concept of corporate wellness.

8998 3 2 71% 29%

Administer long term employee benefits and healthcare membership.

9003 3 3 71% 29%

Demonstrate knowledge and understanding of the role, functions and duties of trustees of

medical schemes.

12550 3 4 71% 29%

Indicate the scope of life insurance in South Africa

8996 3 3 71% 29%


retirement funds.

12547 3 4 71% 29%






12548 3 4 71% 29%

Outline the structure of the collective investment

industry. 8999 3 2 71% 29%

Indicate how collective investment scheme

portfolios are reported. 9000 3 2 71% 29%

Explain basic transactions in the collective

investment industry. 9001 3 4 71% 29%

Indicate the scope of short term insurance in

South Africa. 8997 3 3 71% 29%

Demonstrate knowledge and insight into the

Collective Investment Schemes Control Act 45 of 2002 (CISCA).

12166 4 2 71% 29%


Policyholder Protection Legislation. 12332 4 2 71% 29%

Demonstrate knowledge and insight into the Medical Schemes Act (131 of 1998) and the

accompanying regulations.

12335 4 3 71% 29%


the statutory cover afforded under the Compensation For Occupational Injuries And

Diseases Act, 130 of 1993, as amended (COIDA).

10378 4 3 71% 29%

Demonstrate knowledge and insight into the Compensation for Occupational Injury and

Disease Act 130 of 1993 (COIDA).

10377 4 2 71% 29%

Demonstrate knowledge and insight into

legislation relating to marriage, divorce and maintenance as it applies to employee

retirement and insurance benefits.

10391 4 2 71% 29%





the Primary legislation that impacts on retirement funds.

10393 4 2 71% 29%

Explain and apply the Occupational Health and Safety Act 85 of 1991 (OHSA) (as amended) and the responsibilities of management under

the Act.

13951 4 4 71% 29%

Describe insurance cover against damage caused by riots and acts of terrorism and

violence against public authorities in South Africa.

10364 4 3 71% 29%

Demonstrate knowledge and insight into the Long Term Insurance Act (1998).

14316 4 2 71% 29%

Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and

the accompanying regulations.

10194 4 2 71% 29%

Produce word processing documents for

business.

7570 3 5 71% 29%


7567 3 5 71% 29%


7575 3 5 71% 29%


7571 2 3 71% 29%

Demonstrate knowledge and understanding of the rights and responsibilities of the individual

under the South African Constitution.

11817 2 3 71% 29%




Demonstrate knowledge and understanding of the structures that reinforce and support human

rights in South Africa

11816 2 2 71% 29%

An additional SA Language at NQF

level 2 Optional for 10 Credits



provided that • The language has not been offered under

fundamental • Only one language from the Nguni group

may be offered as either elective or fundamental


Maintain and adapt oral communication.

8962 2 5 71% 29%

Use language and Communication in Occupational learning programmes.

8967 2 5 71% 29%




Elective unit standards at levels 2, 3, and 4


ensure relevance. The qualification requirements must be met before



hours of practical mentored on the job experience in an Insurance / Investment Team Leader / Supervisor position in an

organisation. This is assessed against the selected Elective unit standards and the

Exit Outcomes and Assessment Criteria of the whole qualification. Refer to motivation

Points 2.5 and 4.


4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate, practical application will be included in structured learning, but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 380 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 342 Hours. Refer to section 2.5, pages 3 to 6 Mentored on the Job Training.

Carrying out simple research and tasks and explaining the role of a specific team or business unit within the structure of a financial services organisation and the context of the financial services sector. Making significant choices from a wide range of procedures and operating in a number of contexts in a financial services environment. Performing basic management functions in a financial services environment. Explaining the implications and consequences of non-compliance with FAIS and FICA legislation. Explaining compulsory, statutory insurance and the impact of wellness on work performance. Co-ordinating with others and applying knowledge of self and team to enhance team performance and meet an organisation’s standards in a financial services environment. Managing their own finances and risk in their own lives. Applying basic business ethics in a work environment.

Selected Elective unit standards: 38 Hours.



5. Learnership Discretionary Grants in favour of the employer For details on INSETA Learnership Discretionary Grants, please access:

Website www.inseta.org.za Click on Learnerships Click on Learnership Funding Policy

6. Grant towards learner allowances


Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 11 742.96

HBA Claims Assessor: NQF Level 4 14 February 05 L0005 1

LEARNERSHIP TITLE: Healthcare Benefits Administration

Claims Assessor






1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Healthcare Benefits Administration Claims Assessor: NQF Level 4

Title of the Qualification: National Certificate in Healthcare Benefits Administration: Claims Assessing, NQF Level 4





Skills in the insurance industry are mainly cognitive skills and the application of theory and knowledge that are generic across different positions in the industry. For this Learnership learners are required to complete a minimum of 410 hours mentored practical work experience. In the insurance industry it is very difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and out-source other more generic skills. Smaller organisations use a range of private providers. It is almost certain that training in the communication, mathematical literacy and financial literacy unit standards will be out-sourced to private providers. All providers of training involved in INSETA Learnerships have to be accredited with an ETQA. In every Learnership situation within the Insurance and Investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to s specific, consistent and stable working environment for the duration of the Learnership. Training providers should use their discretion and be alert to situations where learners


It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Healthcare Benefits Administration: Claims Assessor Learnership • offers an opportunity for Healthcare Benefits Claims Assessors to obtain a recognised

qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the industry Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of

i. The learner’s own interest and selected career path ii. The needs of the organisation as identified in the Workplace Skills Plan

iii. A need identified as part of a performance appraisal by a line manager iv. A need identified as part of an organisation’s strategy towards an identified goal. Mentored on-job training Based on the whole qualification: National Certificate in Healthcare Benefits Administration: Claims Assessing, registered on 5 December 2001 – ID 20639. The work experience programme based on Core and selected Elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation.


Assessment Criteria for mentored on the job experience. For 29% of the 69 credits, which are in Core. Core unit standards: Qualifying Learners should be capable of: • Applying the methods, procedures and techniques of claims assessing. • Operating as informed employees in the Healthcare Benefits Administration sub

sector. • Understanding the structure and the market of Healthcare Benefits

Administrators and their role and place in that structure Associated Assessment Criteria: • A coding systems applied by an HBA is used to assess claims. • Rules applicable to different options are applied in a variety of situations in order

to assess medical claims. • Industry tariff guidelines, price lists, Mimms and other medical reference guides

are use in order to process a variety of claims. • Knowledge of commonly occurring medical conditions is used to process claims. • Potential fraud and possible irregularities are identified in claims. • The learner is able to talk about HBA using the terminology, language and style

accepted in the industry in everyday workplace situations. • Knowledge of current developments in Healthcare Benefits Administration is

discussed with reference to potential impact on claims. • New development and trends in Healthcare Benefits Administration are

accessed. Analysed and interpreted from reports in the media. • The learner is familiar enough with the main products marketed by a selected

organisation to talk with understanding about the products and who each product intended for / targets.

• Performance targets are met in terms of speed and accuracy in assessing claims.

• An HB Administrator’s processes are applied correctly in respect of own Key Performance Areas or Best Practices.

• Exclusions and benefits that have restricted access are identified in different claims.

• Methods, procedures and techniques of medical claims assessing are applied consistently in terms of specific scheme and Administrator practices and the Medical Schemes Act.

• Consequences of non-compliance are clearly indicated for practices required in Healthcare Benefits Administration.

• Claims are validated according to specific company procedures.

• Elective unit standards: For 29% of a minimum of 5 credits from a selection of unit standards relating to Healthcare Benefits Administration Claims Assessing, FOR EXAMPLE from: • Research the history of the Financial Services industry in South Africa. • Indicate how different needs lead to the development of different insurance

products. Recommended. • Describe the importance of a healthy lifestyle for members of medical schemes

and explain the concept of corporate wellness. Recommended. • Administer Long-term employee benefits and healthcare membership. • Market a single need insurance policy to a niche market. • Explain the types of compulsory statutory insurance in South Africa. • Produce and use spreadsheets for business.


• Produce word processing documents for business. • Demonstrate knowledge and insight of the Financial Advisory and

Intermediaries Services Act (FAIS) (Act 37 of 2002). • Demonstrate knowledge and insight into the Policy Holder Protection

Legislation.


Practical formative, continuous assessment according to a check-list provided by the trainer for assessors, against the assessment criteria of the chosen elective unit standards.



DATE: 05 December 2001 ID number: 20639


N/A








National Certificate in Healthcare benefits Administration: NQF Level 4:

Claims Assessing

20639 4 140


Communication

20 credits made up of 15 compulsory credits from FET & 5 industry contextualised credits

15

Engage in sustained oral communication and evaluate spoken texts.

8974 4 5 71% 29%

Read, analyse and respond to a variety of texts.

8975 4 5 71% 29%

Write for a wide range of contexts.

8976 4 5 71% 29%

Contextualised unit standards at level 4 – Choose a unit standard that is relevant to

the career path. 5 71% 29%

Use language and communication in occupational learning programmes.

8979 4 5 71% 29%




Apply comprehension skills to interrogate a written text in a business environment.

12155 4 5 71% 29%

Apply comprehension skills to interrogate a verbal text in a business environment. 12154 4 5 71% 29%

Use the writing process to compose texts required in a business environment. 12153 4 5 71% 29%


Use mathematics to investigate and monitor the financial aspects of personal, business,

national and international issues.

7468 4 6 71% 29%

Apply knowledge of statistics and probability to critically interrogate and

effectively communicate findings on life related problems.

9015 4 6 71% 29%

Measure, estimate and calculate physical quantities and explore, critique and prove geometrical relationships in two and three-dimensional space in the life and workplace of the adult with increasing responsibilities.

12417 4 4 71% 29%





10

Describe the basic principles of personal income tax

10389 4 3 71% 29%

Develop a business plan for a small business 10385 4 5 71% 29%

Investigate ways of managing financial risk in own lives 10387 4 6 71% 29%

Interpret basic financial statements

10388

4

3 71% 29%

Investigate the possibilities of establishing and running a small business enterprise (SMME) 10386 4 3 71% 29%


20 credits. Made up of 15 compulsory credits from FET and 5 contextualised credits. Learners may select from Sepedi,


isiXhosa, isiZulu, and sign language.

15

Compulsory Accommodate context needs in oral

communication

8968 3 5 71% 29%

Compulsory Interpret and use information from texts

8969 3 5 71% 29%

Compulsory Write texts for a range of communicative

contexts

8970 3 5 71% 29%






Choose unit standards that are relevant to the career path.

5

Access information to respond to client enquiries in a financial services

environment

9302 3 2 71% 29%

Communicate verbally with clients in a financial services environment.

9303 3 3 71% 29%


8973 3 5

Core Learning

69

Analyse new developments reported in the media that could impact on long term insurance.

12326 4 10 71% 29%

Demonstrate knowledge and application of ethical conduct in a business environment 13940 4 4 71% 29%

Explain the concept of coding as used in Healthcare Benefits Administration. 12314 4 4 71% 29%

Research the Healthcare Benefits Administrator sub sector in South Africa.

12325 4 5 71% 29%

Demonstrate knowledge and understanding of different products marketed by Healthcare Benefits Administrators.

12323 4 4 71% 29%

Assess and process a medical claim. 12298 4 6 71% 29%

Describe the control of fraud in Healthcare Benefits Administration.

12321 4 8 71% 29%




Describe managed care as it is applied in Healthcare Benefits Administration in South Africa.

12318 4 6 71% 29%

Demonstrate knowledge and insight into the Medical Schemes Act (131 of 1998) and Regulations.

12335 4 3 71% 29%

Explain Healthcare Benefits Administration in South Africa.

8991 3 2 71% 29%



9002 3 3 71% 29%

Process numerical data and text information in an insurance environment.

9350 2 2 71% 29%


8103 2 3 71% 29%


7571 2 3 71% 29%


7573 2 3 71% 29%





Elective Learning Select unit standards relevant to a

Healthcare Benefits Administrator Claims Assessing career path for a minimum of 5

Credits from the suggested list of electives. (It is also suggested that additional unit

standards be chosen to ensure all relevant aspects of knowledge and skills is

addressed).

5

Indicate how different needs lead to the development of different insurance products.

8987 3 4 71% 29%


8986 3 10 71% 29%

Describe the importance of a healthy lifestyle for members of medical schemes and explain the concept of corporate wellness.

8998 3 2 71% 29%


9003 3 2 71% 29%


9004 3 2 71% 29%


9005 3 2 71% 29%

Produce and use spreadsheets for business. 7567 3 5 71% 29%


7570 3 5 71% 29%




Demonstrate knowledge and insight of the Financial Act (FAIS) (Act 37 of 2002).

12164 4 2 71% 29%

Demonstrate knowledge and insight into the Policy Holder Protection Legislation.

12332 4 2 71% 29%

Elective unit standards at level 3 and 4 from insurance and financial services

related fields may be included in order to ensure relevance. The qualification requirements must be met before


This qualification requires an integrated summative assessment based on 410

hours of practical mentored on the job experience in a Healthcare Benefits

Administration Claims Assessing position in an organisation. This is assessed

against the selected Elective unit standards and the Exit Outcomes and

Assessment Criteria of the whole qualification. Refer to motivation points 2.5

and 4



Practical Time in the Workplace 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 395 Hours Refer to section 2.5, pages 3 to 4 Mentored on the Job Training.

A coding systems applied by an HBA is used to assess claims. Rules applicable to different options are applied in a variety of situations in order to assess medical claims. Industry tariff guidelines, price lists, Mimms and other medical reference guides are use in order to process a variety of claims. Knowledge of commonly occurring medical conditions is used to process claims. Potential fraud and possible irregularities are identified in claims. The learner is able to talk about HBA using the terminology, language and style accepted in the industry in everyday workplace situations. Knowledge of current developments in Healthcare Benefits Administration is discussed with reference to potential impact on claims. New development and trends in Healthcare Benefits Administration are accessed. Analysed and interpreted from reports in the media. The learner is familiar enough with the main products marketed by a selected organisation to talk with understanding about the products and who each product intended for / targets.


Performance targets are met in terms of speed and accuracy in assessing claims. An HB Administrator’s processes are applied correctly in respect of own Key Performance Areas or Best Practices. Exclusions and benefits that have restricted access are identified in different claims. Methods, procedures and techniques of medical claims assessing are applied consistently in terms of specific scheme and Administrator practices and the Medical Schemes Act. Consequences of non-compliance are clearly indicated for practices required in Healthcare Benefits Administration. Claims are validated according to specific company procedures.

Electives: Practical application: 15 Hours

Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate unit standard





• Click on Learnership Funding Policy



Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

Documents to

LEARNERSHIP TITLE: Retirement Fund Administrator

NQF Level 4

Learnership Code: 13Q 13 00 1465 1204






1.5 SETA’s fax number: (011) 484-0862




2.1 Title of the Learnership: Retirement Fund Administrator

Title of the Qualification: National Certificate: Long Term Insurance, NQF Level 4


2.3 NQF sub-field: Finance, Economics and Accounting 2.4 NQF level: Level 4


Skills in the insurance industry are mainly cognitive skills and the application of theory and knowledge that are generic across different positions in the industry. For this Learnership learners are required to complete a minimum of 410 hours mentored practical work experience.

In the insurance industry it is very difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and out-source other more generic skills. Smaller organisations use a range of private providers. It is almost certain that training in the communication, mathematical literacy and financial literacy unit standards will be out-sourced to private providers. All providers of training involved in INSETA Learnerships have to be accredited with an ETQA. In every Learnership situation within the Insurance and Investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. Training providers should use their discretion and be alert to situations where learners

1 can be recognised for prior learning, • can be fast tracked, or • should be permitted additional time working on a task.

It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Retirement Fund Administrator Learnership • offers an opportunity for Retirement Fund Administrators to obtain a

recognised qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in

the industry


i. The learner’s own interest and selected career path ii. The needs of the organisation as identified in the Workplace Skills

Plan iii. A need identified as part of a performance appraisal by a line

manager iv. A need identified as part of an organisation’s strategy towards an

identified goal. Mentored on-job training Based on the whole qualification: National Certificate: Long Term Insurance, NQF Level 4, registered on 5 December 2001 – ID 20773. The work experience programme is based on Core and selected Elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Retirement Fund Administrator. Assessment Criteria for mentored on the job experience. For 29% of the 60 credits, which are in Core. Core unit standards: Qualifying learners should be capable of:

1 Applying the methods, procedures and techniques used in long term insurance.

2 Operating as informed employees in the long term insurance sub sector.

3 Understanding the structure and the market of long term insurance and their role and place in that market.

4 Operating within clearly defined contexts within the Long Term Insurance Act with limited scope for decision-making and responsibility.

5 Understanding legislation that regulates long term insurance at a basic level of understanding.

Associated Assessment Criteria: 6 Rules of available products are applied to different situations in

order to perform a clearly defined work role in long term insurance (range includes giving financial advice, marketing a long term insurance product, administering an agreement, administering a

pension fund, broker liaison and operating in a financial services call centre environment).

7 Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to clearly defined work role in long term insurance.

8 Methods, procedures and techniques of a clearly defined work role in long term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.

9 The consequences of non-compliance are clearly indicated for practices required in a specific work role in long term insurance.

10 New developments and trends in the long term insurance industry are accessed, analysed and interpreted from reports in the media.

11 Knowledge of current developments in long term insurance is discussed with reference to the potential impact on long term insurance and Retirement Fund Administration.

12 The structure of the long term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry.

13 The long term market is described and an indication is given of the role a retirement fund administrator plays in a changing market.

14 Information is gathered, analysed and presented according to the requirements of a specific work role in long term insurance.

15 A computerised database is used to access information from electronic media and to perform a specific function in long term insurance.

Elective unit standards: For 29% of a minimum of 14 credits from a selection of unit standards relating to Retirement Fund Administration, FOR EXAMPLE from: 16 Process numerical data and text information in an insurance

environment. 17 Maintain an existing information system in an insurance environment. 18 Recognise the effects of HIV/AIDS in the insurance industry and


19 Demonstrate the ability to use electronic mail software to send and receive messages.

20 Demonstrate ability to use the World Wide Web. 21 Research the history of the Financial Services industry in South

Africa. 22 Describe collective investment schemes. 23 Explain Healthcare Benefits Administration in south Africa. 24 Describe funeral insurance. 25 Indicate how collective investment scheme portfolios are reported. 26 Describe the importance of a healthy lifestyle for members of medical

schemes and explain the concept of corporate wellness. 27 Explain basic transactions in the collective investment industry. 28 Describe Healthcare funding in South Africa and the role of

intermediaries in the sector.

29 Administer long-term employee benefits and healthcare membership. Recommended.

30 Market a single need insurance policy to a niche market. 31 Explain the types of compulsory statutory insurance in South Africa 32 Access information to respond to client enquiries in a financial

services environment. 33 Communicate verbally with clients in a financial services environment. 34 Produce word processing documents for business. 35 Produce and use spreadsheets for business 36 Produce presentation documents for business. 37 Demonstrate knowledge and understanding of the role, functions and

duties of trustees of retirement funds. Recommended. 38 Demonstrate knowledge and understanding of the role, functions and

duties of trustees of medical schemes. 39 Demonstrate ability to use and interpret texts that apply to the role

and responsibilities of trustees of retirement funds. Recommended. 40 Demonstrate knowledge and insight into the Unit Trust Control Act

(1981 amended 1988). 41 Demonstrate knowledge and insight into the Collective Investment

Scheme Act, 45 of 2003 (CISCA). 42 Demonstrate knowledge and understanding of different group

retirement benefit products. Recommended. 43 Describe group insured benefits. Recommended. 44 Demonstrate knowledge and understanding of how the insurance

industry responds to different needs in the group retirement benefits market. Recommended.

45 Demonstrate knowledge and understanding of the Primary legislation that impacts on retirement funds. Recommended.

46 Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it applies to insurance related products.

47 Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to employee retirement and insurance benefits. Recommended.

48 Demonstrate knowledge and understanding of the Capital Gains Tax Act.

49 Describe different types of equity-based investments. 50 Describe different types of interest bearing investments and compare

these to securities. 51 Demonstrate knowledge and understanding of basic investment

techniques. 52 Indicate how different needs lead to the development of different

investment products. 53 Demonstrate knowledge and understanding of risk in a financial

services environment. 54 Demonstrate knowledge and understanding of the sales process in

long term insurance. 55 Demonstrate knowledge and understanding of different products

marketed by Healthcare Benefits Administrators.

56 Explore strategies to retain or expand existing business in the insurance/investment industry.


1 Practical formative, continuous assessment according to a check-list provided by the trainer for the assessors, against the assessment criteria of the chosen elective unit standards.

2 Assessment using a variety of methods such as observation, taped evidence, examination of work or product etc. Assessment should follow the relevant ETQA’s Assessment Policy and guidelines.


Date 5 December 2001 - 20773


NA






National Certificate in Long Term Insurance: NQF Level 4

20773 4 140


Communication 20 credits made up of 15 compulsory credits from FET & 5 contextualised Communication

credits

15


8974 4 5


8975 4 5


8976 4 5

Contextualised Communication unit standards at level 4 – Choose 5 credits. Choose a unit standard that is

relevant to the career path. The balance of these standards may be

included as electives

5


8979 4 5


Apply comprehension skills to engage written text in a business environment.

12155 4 5

Apply comprehension skills to engage oral text in a business environment. 12154 4 5

Use the writing process to compose texts required in a business environment. 12153 4 5




7468

4

6



9015 4 6

Measure, estimate and calculate physical quantities & explore, critique and prove

geometrical relationships in 2 and 3 dimensional space in the life and workplace of the adult with increasing responsibilities

12417 4 4


Financial Literacy Choose 10 Credits

10


10389 4 3

Develop a business plan for a small business 10385 4 5

Investigate ways of managing financial risk in

own lives 10387 4 6

Interpret basic financial statements 10388 4 3

Investigate the possibilities of establishing and running a small business enterprise (SMME) 10386 4 3


level 3 20 credits. Made up of 15 compulsory credits

from FET and 5 contextualised credits. Learners may select from Sepedi,


isiXhosa, isiZulu, and sign language.

15

Compulsory

Accommodate context needs in oral communication

8968 3 5

Compulsory

Interpret and use information from texts 8969 3 5


Compulsory

Write texts for a range of communicative contexts

8970 3 5



5



9302 3 2

Communicate verbally with clients in a

financial services environment. 9303 3 3


8973 3 5

Core Learning 60 Describe life insurance. 8988 3 2

Indicate the scope of life insurance in South

Africa. 8996 3 3

Describe retirement funding in South Africa. 8992 3 2

Manage risk in own life. 8994 3 3


8987 3 4

Demonstrate knowledge and application of ethical conduct in a business environment

13940 4 4


value

Analyse new developments reported in the media that could impact on long term

insurance.

12326 4 10

Analyse the different products available in the long term insurance industry and the benefits

of each.

14314 4 10

Describe the control of fraud in Long Term insurance.

14318 4 3

Analyse the Financial Services Industry and the role of insurance in a business environment.

12168 4 9

Manage risk in own work/ business environment.

13954 4 2

Demonstrate knowledge and insight into the Long Term Insurance Act (1998)

14316 4 2

Demonstrate knowledge and insight into the Income Tax Act (58 of 1962 and the

accompanying regulations) as amended as it

14315 4 2

applies to insurance and investment products.

Demonstrate knowledge and insight of the Financial Advisory and Intermediaries Act

(FAIS) (Act 37 of 2002).

12164 4 2

Demonstrate knowledge and insight into the Policyholder Protection Legislation.

12332 4 2



Retirement Fund Administrator career path for a minimum of 14 Credits from the suggested list of electives. (It is also

suggested that additional unit standards be chosen to ensure all relevant aspects of

knowledge and skills is addressed).

14


retirement funds

12547 3 4

Demonstrate knowledge and understanding of different group retirement benefit products.

10390 4 2

Describe group insured benefits. 10395 4 2

Demonstrate knowledge and understanding of how the insurance industry responds to different needs in the group retirement benefits market.

10394 4 2

Demonstrate knowledge and understanding of the Primary legislation

that impacts on retirement funds.

10393 4 2

Demonstrate knowledge and insight into legislation relating to marriage, divorce and

maintenance as it applies to employee retirement and insurance benefits.

10391 4 2


9350 2 2


value


8103 2 2


the precautions that are necessary to avoid unnecessary transmission of the HI Virus.

9356 2 4


7571 2 3


7573 2 3


8986 3 10

Describe collective investments schemes.

8990 3 2

Explain Healthcare Benefits Administration in

south Africa. 8991 3 2

Describe funeral insurance. 8995 3 3

Describe the importance of a healthy lifestyle for members of medical schemes and explain

the concept of corporate wellness.

8998 3 2

Indicate how collective investment scheme portfolios are reported.

9000 3 2

Explain basic transactions in the collective investment industry.

9001 3 4

Describe Healthcare funding in South Africa and the role of intermediaries in the sector

9002 3 3


value


9003 3 2


9004 3 2


9005 3 2

Access information to respond to client enquiries in a financial services environment.

9302 3 2


9303 3 3


7570 3 5

Produce and use spreadsheets for business. 7567 3 5

Produce presentation documents for business. 7575 3 5



medical schemes.

12550 3 4



12548 3 4

Demonstrate knowledge and insight into the Unit Trust Control Act (1981 amended1988).

12165 4 2

Demonstrate knowledge and insight into the Collective Investment Scheme Act, 45 of 2003

(CISCA).

12166 4 2

Demonstrate knowledge and insight into the Estate Duties Act

(45 of 1955) as it applies to insurance related products.

10392 4 2

Demonstrate knowledge and understanding of the Capital Gains Tax Act.

12167 4 2

Describe different types of equity-based

investments.

12170 4 3

Describe different types of interest bearing

investments and compare these to securities.

12171 4 3



basic investment techniques.

12181

4 2


development of different investment products.

12183

4 5


risk in a financial services environment.

12185 5 5


the sales process in long term insurance.

14317

4 5


different products marketed by Healthcare Benefits Administrators.

12323

4 4

Explore strategies to retain or expand existing business in the insurance/investment industry.

14319 4 3





chosen.


hours of practical mentored on the job experience in a Retirement Fund

Administrator position in an organisation. This is assessed against the selected

Elective unit standards and the Exit Outcomes and Assessment Criteria of the

whole qualification. Refer to motivation points 2.5 and 4

4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate, practical application will be included in structured learning, but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component.

Practical Time in the Workplace 410 hours.

Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 369 Hours. Refer to section 2.5, pages 3 to 4 Mentored on the Job Training. Rules of available products are applied to different situations in order to perform a clearly defined work role in long term insurance (range includes giving financial advice, marketing a long term insurance product, administering an agreement, administering a pension fund, broker liaison and operating in a financial services call centre environment). Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to clearly defined work role in long term insurance. Methods, procedures and techniques of a clearly defined work role in long term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. The consequences of non-compliance are clearly indicated for practices required in a specific work role in long term insurance. New developments and trends in the long term insurance industry are accessed,

analysed and interpreted from reports in the media. Knowledge of current developments in long term insurance is discussed with reference to the potential impact on long term insurance and Retirement Fund Administration. The structure of the long term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry. The long term market is described and an indication is given of the role a retirement fund administrator plays in a changing market. Information is gathered, analysed and presented according to the requirements of a specific work role in long term insurance. A computerised database is used to access information from electronic media and to perform a specific function in long term insurance.





1 website www.inseta.org.za

2 Click on Learnerships

3 Click on Learnership Funding Policy



Credits earned 0 - 120 121 - 240 241 - 360 361 - 480

Learner Allowance per Learner per year R 6 235.20


Learner Allowance per Learner per year@ R 1 039.20 per month

R 12 470.40

LT Insurance / Investment Product Developer: NQF Level 4 14 February 05 L0007 1

LEARNERSHIP TITLE: Long Term Insurance / Investment Product Developer

NQF Level 4







1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Long Term Insurance / Investment Product Developer: NQF Level 4









It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Long Term Insurance/Investment Product Developer Learnership • offers an opportunity for Long Term Insurance/Investment Product Developers to

obtain a recognised qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the industry Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of

i. The learner’s own interest and selected career path ii. The needs of the organisation as identified in the Workplace Skills Plan iii. A need identified as part of a performance appraisal by a line manager iv. A need identified as part of an organisation’s strategy towards an identified goal.


Mentored on-job training Based on the whole qualification: National Certificate: Long Term Insurance, NQF Level 4, registered on 5 December 2001 – ID 20773. The work experience programme is based on Core and selected Elective unit standards and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Long Term Insurance / Investment Product Developer. Assessment Criteria for mentored on the job experience. For 29% of the 60 credits, which are in Core. Core unit standards: Qualifying learners should be capable of:

• Applying the methods, procedures and techniques used in long term insurance. • Operating as informed employees in the long term insurance sub sector. • Understanding the structure and the market of long term insurance and their

role and place in that market. • Operating within clearly defined contexts within the Long Term Insurance Act

with limited scope for decision-making and responsibility. • Understanding legislation that regulates long term insurance at a basic level of

understanding. Associated Assessment Criteria: • Rules of available products are applied to different situations in order to perform

a clearly defined work role in long term insurance (range includes giving financial advice, marketing a long term insurance product, administering an agreement, broker liaison and operating in a financial services call centre environment).

• Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to clearly defined work role in long term insurance.

• Methods, procedures and techniques of a clearly defined work role in long term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.

• The consequences of non-compliance are clearly indicated for practices required in a specific work role in long term insurance.

• New developments and trends in the long term insurance industry are accessed, analysed and interpreted from reports in the media.

• Knowledge of current developments in long-term insurance is discussed with reference to the potential impact on long term insurance and Long Term Insurance / Investment and Product Development.

• The structure of the long term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry.

• The long term market is described and an indication is given of the role a long term product developer plays in a changing market

• Information is gathered, analysed and presented according to the requirements of a specific work role in long term insurance.

• A computerised database is used to access information from electronic media and to perform a specific function in long term insurance.


Elective unit standards: For 29% of a minimum of 14 credits from a selection of unit standards relating to Long Term Insurance / Investment Product Development, FOR EXAMPLE from: • Process numerical data and text information in an insurance environment. • Maintain an existing information system in an insurance environment. • Recognise the effects of HIV/AIDS in the insurance industry and workplace, and

indicate the precautions that are necessary to avoid unnecessary transmission of the HI Virus.

• Demonstrate the ability to use electronic mail software to send and receive messages.

• Demonstrate ability to use the World Wide Web. • Research the history of the Financial Services industry in South Africa. • Describe collective investment Schemes. Recommended. • Explain Healthcare Benefits Administration in South Africa. Recommended. • Describe funeral insurance. Recommended. • Indicate how collective investment scheme portfolios are reported. • Describe the importance of a healthy lifestyle for members of medical schemes and

explain the concept of corporate wellness. • Explain basic transactions in the collective investment industry. • Describe Healthcare funding in South Africa and the role of intermediaries in the

sector. Recommended. • Administer long-term employee benefits and healthcare membership. • Market a single need insurance policy to a niche market. • Explain the types of compulsory statutory insurance in South Africa • Access information to respond to client enquiries in a financial services

environment. • Communicate verbally with clients in a financial services environment. • Produce word processing documents for business. • Produce and use spreadsheets for business • Produce presentation documents for business. • Demonstrate knowledge and understanding of the role, functions and duties of

trustees of retirement funds. • Demonstrate knowledge and understanding of the role, functions and duties of

trustees of medical schemes. • Demonstrate ability to use and interpret texts that apply to the role and

responsibilities of trustees of retirement funds. • Demonstrate knowledge and insight into the Unit Trust Control Act (1981 amended

1988). • Demonstrate knowledge and insight into the Collective Investment Scheme Act, 45

of 2003 (CISCA). • Demonstrate knowledge and understanding of different group retirement benefit

products. Recommended. • Describe group insured benefits. Recommended. • Demonstrate knowledge and understanding of how the insurance industry responds

to different needs in the group retirement benefits market. Recommended. • Demonstrate knowledge and understanding of the Primary legislation that impacts

on retirement funds. • Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it

applies to insurance related products. • Demonstrate knowledge and insight into legislation relating to marriage, divorce

and maintenance as it applies to employee retirement and insurance benefits. • Demonstrate knowledge and understanding of the Capital Gains Tax Act. • Describe different types of equity-based investments.


• Describe different types of interest bearing investments and compare these to securities.

• Demonstrate knowledge and understanding of basic investment techniques. Recommended.

• Indicate how different needs lead to the development of different investment products. Recommended.

• Demonstrate knowledge and understanding of risk in a financial services environment.

• Demonstrate knowledge and understanding of the sales process in long term insurance. Recommended.

• Demonstrate knowledge and understanding of different products marketed by Healthcare Benefits Administrators.

• Explore strategies to retain or expand existing business in the insurance/investment industry.


Practical formative, continuous assessment according to a check-list provided

by the trainer for the assessor, against the assessment criteria of the chosen elective unit standards.





NA









20 773 4 140


Communication

20 credits made up of 15 compulsory credits from FET & 5 contextualised Communication

credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%


8976 4 5 71% 29%

Contextualised Communication unit standards at level4 – Choose 5 credits.



5


8979 4 5 71% 29%





12155 4 5 71% 29%

Apply comprehension skills to engage oral text in a business environment. 12154 4 5 71% 29%

Use the writing process to compose texts required in business industry. 12153 4 5 71% 29%


Use mathematics to investigate and monitor the financial aspects of

personal, business, national and international issues.

7468

4

6

71% 29%



9015 4 6

71% 29%

Measure, estimate and calculate physical quantities and explore, critique and prove geometrical relationships in

two and three-dimensional space in the life and workplace of the adult with

increasing responsibilities.

12417 4 4 71% 29%






10


10389 4 3 71% 29%

Develop a business plan for a small business

10385 4 5 71% 29%


Interpret basic financial statements 10388 4 3 71% 29%

Investigate the possibilities of establishing and running a small business enterprise

(SMME) 10386 4 3 71% 29%



credits. Learners may select from Sepedi,

Sesotho, Setwana, siSwati, Tshivenda, Xotsonga, Afrikaans, English,

isiNdebele, isiXhosa, isiZulu, and sign language.

15


communication

8968 3 5 71% 29%


8969 3 5 71% 29%




Compulsory


8970 3 5 71% 29%



5



9302 3 2 71% 29%


financial services environment. 9303 3 3 71% 29%


8973 3 5 71% 29%

Core Learning 60


8988

3

2 71% 29%


Africa. 8996 3 3 71% 29%

Describe retirement funding in South Africa. 8992 3 2 71% 29%



8987 3 4 71% 29%


13940 4 4 71% 29%





insurance.

12326 4 10 71% 29%


of each.

14314 4 10 71% 29%


14318 4 3 71% 29%

Analyse the Financial Services Industry and the role of insurance in a business

environment.

12168 4 9 71% 29%


13954 4 2 71% 29%


14316 4 2 71% 29%

Demonstrate knowledge and insight into the Income Tax Act as amended as it applies to

insurance and investment products.

14315 4 2 71% 29%

Demonstrate knowledge and insight of the Financial Advisory and intermediaries Services

Act (FAIS) (Act 37 of 2002).

12164 4 2 71% 29%


12332 4 2 71% 29%





Elective Learning Select unit standards relevant to a Long Term Insurance and Investment Product

Developer career path for a minimum of 14 Credits from the suggested list of electives.

(It is also suggested that additional unit standards be chosen to ensure all relevant


14

Describe Collective Investment Schemes. 8990 3 2 71% 29%


9002 3 3 71% 29%



10390 4 2 71% 29%

Describe group insured benefits. 10395 4 2 71% 29%


10394 4 2 71% 29%

Demonstrate knowledge and understanding of basic investment techniques.

12181 4 2 71% 29%

Indicate how different needs lead to the development of different investment products.

12183 4 5 71% 29%

Demonstrate knowledge and understanding of the sales process in long term insurance.

14317 4 5 71% 29%






9350 2 2 71% 29%


8103 2 2 71% 29%



9356 2 4 71% 29%


7571 2 3 71% 29%


7573 2 3 71% 29%


8986 3 10 71% 29%


8991 3 2 71% 29%



8998 3 2 71% 29%

Indicate how collective investments are reported.

9000 3 2 71% 29%

Explain basic transactions in the collective investments industry.

9001 3 4 71% 29%


9003 3 2 71% 29%


9004 3 2 71% 29%






9005 3 2 71% 29%


9302 3 2 71% 29%


9303 3 3 71% 29%


7570 3 5 71% 29%


Produce presentation documents for business. 7575 3 5 71% 29%


retirement funds

12547 3 4 71% 29%


medical schemes.

12550 3 4 71% 29%



12548 3 4 71% 29%


12165 4 2 71% 29%

Demonstrate knowledge and insight into the Collective Investment Schemes Act, 45 of 2003

(CISCA).

12166 4 2 71% 29%







10393 4 2 71% 29%



10392 4 2 71% 29%

Demonstrate knowledge and insight into legislation relating to

marriage, divorce and maintenance as it applies to employee retirement and insurance benefits.

10391 4 2 71% 29%


12167 4 2 71% 29%


investments.

12170 4 3 71% 29%



12170 4 3 71% 29%



12185 5 5 71% 29%


different products marketed by Healthcare Benefits Administrators.

12323 4 4 71% 29%






14319 4 3 71% 29%



ensure relevance. The qualification requirements must be

met before additional unit standards from other relevant qualifications are

chosen.


hours of practical mentored on the job experience in a Long Term Insurance and Investment Product Developer position in an organisation. This is assessed against the selected elective unit standards and

the Exit Outcomes and Assessment Criteria of the whole qualification. Refer to

motivation points 2.5 and 4.




Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 369 Hours. Refer to Section 2.5 pages 3 to 5 Mentored on the Job Training

Rules of available products are applied to different situations in order to perform a clearly defined work role in long term insurance (range includes giving financial advice, marketing a long term insurance product, administering an agreement, broker liaison and operating in a financial services call centre environment).

Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to clearly defined work role in long term insurance. Methods, procedures and techniques of a clearly defined work role in long term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. The consequences of non-compliance are clearly indicated for practices required in a specific work role in long term insurance. New developments and trends in the long term insurance industry are accessed, analysed and interpreted from reports in the media. Knowledge of current developments in long-term insurance is discussed with reference to the potential impact on long term insurance and Long Term Insurance / Investment and Product Development.


The structure of the long term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry. The long term market is described and an indication is given of the role a long term product developer plays in a changing market Information is gathered, analysed and presented according to the requirements of a specific work role in long term insurance. A computerised database is used to access information from electronic media and to perform a specific function in long term insurance.


Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate unit standards







Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

LT Insurance / Investment Call Centre Operator: NQF Level 4 14 February 05 L0008 1

LEARNERSHIP TITLE: Long Term Insurance / Investment Call Centre Operator NQF Level 4






1.5 SETA’s fax number: (011) 484-0862






2.1 Title of the Learnership: Long Term Insurance / Investment Call Centre Operator: NQF Level 4









It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Insurance / Investment Call Centre Operator Learnership • offers an opportunity for Insurance / Investment Call Centre Operators to obtain a

recognised qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the industry Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of



Mentored on-job training Based on the whole qualification: National Certificate: Long Term Insurance, NQF Level 4, registered on 5 December 2001 – ID 20773. The work experience programme is based on Core and selected Elective unit standards and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Long Term Insurance / Investment Call Centre Operator. Assessment Criteria for mentored on the job experience. For 29% of the 60 credits, which are in Core. Core unit standards: Qualifying learners should be capable of:

• Applying the methods, procedures and techniques used in long term insurance.

• Operating as informed employees in the long term insurance sub sector. • Understanding the structure and the market of long term insurance and their


with limited scope for decision-making and responsibility. • Understanding legislation that regulates long term insurance at a basic level

of understanding. Associated Assessment Criteria: • Rules of available products are applied to different situations in order to

perform a clearly defined work role in long term insurance (range includes giving financial advice, marketing a long term insurance product, administering an agreement, broker liaison and operating in a financial services call centre environment).


• Methods, procedures and techniques of a clearly defined work role in long term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.



• Knowledge of current developments in long-term insurance is discussed with reference to the potential impact on long term insurance.

• The structure of the long term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry.

• The long term market is described and an indication is given of the role a long term Insurance / Investment Call Centre Operator plays in a changing market.

• Information is gathered, analysed and presented according to the requirements of a specific work role in long term insurance.

• A computerised database is used to access information from electronic media and to perform a specific function in long term insurance.


Elective unit standards: For 29% of a minimum of 14 credits from a selection of unit standards relating to Insurance / Investment Call Centre Operators, FOR EXAMPLE from: • Process numerical data and text information in an insurance environment. • Maintain an existing information system in an insurance environment. • Recognise the effects of HIV/AIDS in the insurance industry and workplace, and



• Demonstrate ability to use the World Wide Web. • Research the history of the Financial Services industry in South Africa. • Describe collective investment Schemes. • Explain Healthcare Benefits Administration in South Africa. Recommended. ID • Describe funeral insurance. • Indicate how collective investment scheme portfolios are reported. • Describe the importance of a healthy lifestyle for members of medical schemes

and explain the concept of corporate wellness. • Explain basic transactions in the collective investment industry. • Describe Healthcare funding in South Africa and the role of intermediaries in the

sector. • Administer long-term employee benefits and healthcare membership. • Market a single need insurance policy to a niche market. Recommended. • Explain the types of compulsory statutory insurance in South Africa • Access information to respond to client enquiries in a financial services

environment. Recommended. • Communicate verbally with clients in a financial services environment.

Recommended. • Produce word processing documents for business. • Produce and use spreadsheets for business • Produce presentation documents for business. • Demonstrate knowledge and understanding of the role, functions and duties of



responsibilities of trustees of retirement funds. • Demonstrate knowledge and insight into the Unit Trust Control Act (1981

amended 1988). • Demonstrate knowledge and insight into the Collective Investment Scheme Act,

45 of 2003 (CISCA). • Demonstrate knowledge and understanding of different group retirement benefit

products. Recommended. • Describe group insured benefits. Recommended. • Demonstrate knowledge and understanding of how the insurance industry

responds to different needs in the group retirement benefits market. • Demonstrate knowledge and understanding of the Primary legislation that

impacts on retirement funds. • Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it

applies to insurance related products. • Demonstrate knowledge and insight into legislation relating to marriage, divorce

and maintenance as it applies to employee retirement and insurance benefits.


• Demonstrate knowledge and understanding of the Capital Gains Tax Act. • Describe different types of equity-based investments. • Describe different types of interest bearing investments and compare these to

securities. • Demonstrate knowledge and understanding of basic investment techniques. • Indicate how different needs lead to the development of different investment

products. • Demonstrate knowledge and understanding of risk in a financial services

environment. • Demonstrate knowledge and understanding of the sales process in long term

insurance. Recommended. • Demonstrate knowledge and understanding of different products marketed by

Healthcare Benefits Administrators. • Explore strategies to retain or expand existing business in the

insurance/investment industry.

Associated Assessment Criteria Practical formative, continuous assessment according to a check-list provided by

the trainer for the assessor, against the assessment criteria of the chosen elective unit standards.





NA









20773 4 140


Communication


credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%


8976 4 5 71% 29%




5


8979 4 5 71% 29%





12155 4 5 71% 29%





personal, business, national and international issues.

7468

4

6

71% 29%


effectively communicate findings on life related problems

9015 4 6

71% 29%




12417 4 4 71% 29%






10


10389 4 3 71% 29%


10385 4 5 71% 29%




(SMME) 10386 4 3 71% 29%






15


communication

8968 3 5 71% 29%


8969 3 5 71% 29%




Compulsory


8970 3 5 71% 29%



5



9302 3 2 71% 29%




8973 3 5 71% 29%

Core Learning 60


8988

3

2 71% 29%


Africa. 8996 3 3 71% 29%




8987 3 4 71% 29%


13940 4 4 71% 29%





insurance.

12326 4 10 71% 29%


of each.

14314 4 10 71% 29%


14318 4 3 71% 29%


environment.

12168 4 9 71% 29%


13954 4 2 71% 29%


14316 4 2 71% 29%



14315 4 2 71% 29%



12164 4 2 71% 29%


12332 4 2 71% 29%





Elective Learning Select unit standards relevant to an

Insurance and Investment Call Centre Operator career path for a minimum of 14

Credits from the suggested list of electives. (It is also suggested that additional unit

standards be chosen to ensure all relevant aspects of knowledge and skills is

addressed).

14


9004 3 2 71% 29%


9302 3 2 71% 29%


9303 3 3 71% 29%


10390 4 2 71% 29%




14317 4 5 71% 29%


9350 2 2 71% 29%


8103 2 2 71% 29%







9356 2 4 71% 29%


7571 2 3 71% 29%


7573 2 3 71% 29%


8986 3 10 71% 29%



8991 3 2 71% 29%




8998 3 2 71% 29%


9000 3 2 71% 29%


9001 3 4 71% 29%


9002 3 3 71% 29%


9003 3 2 71% 29%


9005 3 2 71% 29%






7570 3 5 71% 29%




retirement funds

12547 3 4 71% 29%


medical schemes.

12550 3 4 71% 29%



12548 3 4 71% 29%


12165 4 2 71% 29%


(CISCA).

12166 4 2 71% 29%


10394 4 2 71% 29%

Demonstrate knowledge and understanding of the Primary legislation that impacts on

retirement funds.

10393 4 2 71% 29%







10392 4 2 71% 29%



10391 4 2 71% 29%


12167 4 2 71% 29%


investments.

12170 4 3 71% 29%



12170 4 3 71% 29%



12181 4 2 71% 29%



12183 4 5 71% 29%



12185 5 5 71% 29%





Demonstrate knowledge and understanding of different products marketed by Healthcare

Benefits Administrators.

12323 4 4 71% 29%


14319 4 3 71% 29%




chosen.


hours of practical mentored on the job experience in an Insurance and

Investment Call Centre Operator position in an organisation. This is assessed

against the selected Elective unit standards and the Exit Outcomes and


and 4.






Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to clearly defined work role in long term insurance. Methods, procedures and techniques of a clearly defined work role in long term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. The consequences of non-compliance are clearly indicated for practices required in a specific work role in long term insurance. New developments and trends in the long term insurance industry are accessed, analysed and interpreted from reports in the media. Knowledge of current developments in Long-term insurance is discussed with reference to the potential impact on long term insurance. The structure of the long term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry.


The long term market is described and an indication is given of the role a long term Insurance / Investment Call Centre Operator plays in a changing market. Information is gathered, analysed and presented according to the requirements of a specific work role in long term insurance. A computerised database is used to access information from electronic media and to perform a specific function in long term insurance.









Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

LT Insurance / Investment Administrator: NQF Level 4 14 February 05 L0009 2


2.1 Title of the Learnership: Long Term Insurance / Investment Administrator: NQF Level 4









It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Long Term Insurance / Investment Administrator Learnership • offers an opportunity for the Insurance / Investment Administrator to obtain a




Mentored on-job training Based on the whole qualification: National Certificate: Long Term Insurance, NQF Level 4, registered on 5 December 2001 – ID 20773. The work experience programme is based on Core and selected Elective unit standards and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Long Term Insurance / Investment Administrator. Assessment Criteria for mentored on the job experience. For 29% of the 60 credits, which are in Core. Core unit standards: Qualifying learners should be capable of:

• Applying the methods, procedures and techniques used in long term insurance.

• Operating as informed employees in the long term insurance sub sector. • Understanding the structure and the market of long term insurance and their


with limited scope for decision-making and responsibility. • Understanding legislation that regulates long term insurance at a basic level

of understanding. Associated Assessment Criteria: • The Long Term market is described and an indication is given of the role a

Long Term insurance/investment administrator plays in a changing market. • Information is gathered, analysed and presented according to the

requirements of a specific work role in Long Term insurance. • A computerised database is used to access information from electronic media

and to perform a specific function in Long Term insurance. • Rules of available products are applied to different situations in order to

perform a clearly defined work role in Long Term insurance (range includes giving financial advice, marketing a long term insurance product, administering an agreement, broker liaison and operating in a financial services call centre environment).


• Methods, procedures and techniques of a clearly defined work role in Long Term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.


• New developments and trends in the Long Term insurance industry are accessed, analysed and interpreted from reports in the media.

• Knowledge of current developments in Long Term insurance are discussed with reference to the potential impact on long term insurance/investment administration.

• The structure of the Long Term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry.


Elective unit standards: For 29% of a minimum of 14 credits from a selection of unit standards relating to Long Term Insurance / Investment Administrators, FOR EXAMPLE from: • Process numerical data and text information in an insurance environment. • Maintain an existing information system in an insurance environment. • Recognise the effects of HIV/AIDS in the insurance industry and workplace, and



• Demonstrate ability to use the World Wide Web. • Research the history of the Financial Services industry in South Africa. • Describe collective investment Schemes. • Explain Healthcare Benefits Administration in South Africa. Recommended. • Describe funeral insurance. Recommended. • Indicate how collective investment scheme portfolios are reported. • Describe the importance of a healthy lifestyle for members of medical schemes

and explain the concept of corporate wellness. • Explain basic transactions in the collective investment industry. Recommended. • Describe Healthcare funding in South Africa and the role of intermediaries in the

sector. • Administer long-term employee benefits and healthcare membership.

Recommended. • Market a single need insurance policy to a niche market. • Explain the types of compulsory statutory insurance in South Africa • Access information to respond to client enquiries in a financial services

environment. • Communicate verbally with clients in a financial services environment. • Produce word processing documents for business. • Produce and use spreadsheets for business. Produce presentation documents

for business. • Demonstrate knowledge and understanding of the role, functions and duties of



responsibilities of trustees of retirement funds. • Demonstrate knowledge and insight into the Unit Trust Control Act (1981

amended 1988). • Demonstrate knowledge and insight into the Collective Investment Scheme Act,

45 of 2003 (CISCA). • Demonstrate knowledge and understanding of different group retirement benefit

products. Recommended. • Describe group insured benefits. Recommended. • Demonstrate knowledge and understanding of how the insurance industry

responds to different needs in the group retirement benefits market. • Demonstrate knowledge and understanding of the Primary legislation that

impacts on retirement funds. • Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it

applies to insurance related products.


• Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to employee retirement and insurance benefits.

• Demonstrate knowledge and understanding of the Capital Gains Tax Act. • Describe different types of equity-based investments. • Describe different types of interest bearing investments and compare these to

securities. • Demonstrate knowledge and understanding of basic investment techniques. • Indicate how different needs lead to the development of different investment

products. • Demonstrate knowledge and understanding of risk in a financial services

environment. • Demonstrate knowledge and understanding of the sales process in long term

insurance. • Demonstrate knowledge and understanding of different products marketed by

Healthcare Benefits Administrators. • Explore strategies to retain or expand existing business in the

insurance/investment industry.

Associated Assessment Criteria Practical formative, continuous assessment according to a checklist provided

by Practical formative, continuous assessment according to a check-list provided by the trainer for assessors, against the assessment criteria of the chosen elective unit standards.





NA









20773 4 140


Communication


credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%


8976 4 5 71% 29%




5


8979 4 5 71% 29%





12155 4 5 71% 29%





personal, business, national and international issues

7468

4

6

71% 29%



9015 4 6

71% 29%




12417 4 4 71% 29%






10


10389 4 3 71% 29%


10385 4 5 71% 29%




(SMME) 10386 4 3 71% 29%






15


communication

8968 3 5 71% 29%


8969 3 5 71% 29%




Compulsory


8970 3 5 71% 29%



5



9302 3 2 71% 29%




8973 3 5 71% 29%

Core Learning 60


8988

3

2 71% 29%


Africa. 8996 3 3 71% 29%




8987 3 4 71% 29%


13940 4 4 71% 29%





insurance.

12326 4 10 71% 29%


of each.

14314 4 10 71% 29%


14318 4 3 71% 29%


environment.

12168 4 9 71% 29%


13954 4 2 71% 29%


14316 4 2 71% 29%



14315 4 2 71% 29%



12164 4 2 71% 29%


12332 4 2 71% 29%





Elective Learning Select unit standards relevant to a Long

Term Insurance / Investment Administrator career path for a minimum of 14 Credits from the suggested list of electives. (It is

also suggested that additional unit standards be chosen to ensure all relevant


14


8991 3 2 71% 29%


9001 3 4 71% 29%


9003 3 2 71% 29%


10390 4 2 71% 29%


9350 2 2 71% 29%


8103 2 2 71% 29%



9356 2 4 71% 29%


7571 2 3 71% 29%


7573 2 3 71% 29%






8986 3 10 71% 29%





8998 3 2 71% 29%


9000 3 2 71% 29%


9002 3 3 71% 29%


9004 3 2 71% 29%


9005 3 2 71% 29%


9302 3 2 71% 29%


9303 3 3 71% 29%


7570 3 5 71% 29%








retirement funds

12547 3 4 71% 29%


medical schemes.

12550 3 4 71% 29%



12548 3 4 71% 29%


12165 4 2 71% 29%


(CISCA).

12166 4 2 71% 29%



10394 4 2 71% 29%



10393 4 2 71% 29%



10392 4 2 71% 29%







10391 4 2 71% 29%


12167 4 2 71% 29%


investments.

12170 4 3 71% 29%



12170 4 3 71% 29%



12181 4 2 71% 29%



12183 4 5 71% 29%



12185 5 5 71% 29%



14317 4 5 71% 29%







12323 4 4 71% 29%


14319 4 3 71% 29%




chosen.


hours of practical mentored on the job experience in a Long Term Insurance / Investment Administration position in an

organisation. This is assessed against the selected unit standards Exit Outcomes and


and 4.






Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to clearly defined work role in long term insurance. Methods, procedures and techniques of a clearly defined work role in long term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. The consequences of non-compliance are clearly indicated for practices required in a specific work role in long term insurance. New developments and trends in the long term insurance industry are accessed, analysed and interpreted from reports in the media. Knowledge of current developments in Long Term insurance is discussed with reference to the potential impact on long term insurance/investment administration.

The structure of the long term insurance industry is analysed and an indication is given of the contribution of a specific work role to the long term insurance industry.


The Long Term market is described and an indication is given of the role a Long Term insurance/investment administrator plays in a changing market. Information is gathered, analysed and presented according to the requirements of a specific work role in long term insurance. A computerised database is used to access information from electronic media and to perform a specific function in long term insurance.









Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

Long Term Underwriter: NQF Level 4 14 February 05 L0010 1

LEARNERSHIP TITLE: Long Term Underwriter





1.4 SETA’s telephone number: (011) 544 -2000

1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Long Term Underwriter: NQF Level 4

Title of the Qualification: National Certificate in Insurance: Long Term: Risk Assessment, NQF Level 4





Skills in the insurance industry are mainly cognitive skills and the application of theory and knowledge that are generic across different positions in the industry. For this Learnership learners are required to complete a minimum of 410 hours mentored practical work experience. In the insurance industry it is very difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and out-source other more generic skills. Smaller organisations use a range of private providers. It is almost certain that training in the communication, mathematical literacy and financial literacy unit standards will be out-sourced to private providers. All providers of training involved in INSETA Learnerships have to be accredited with an ETQA. In every Learnership situation within the Insurance and Investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. Training providers should use their discretion and be alert to situations where learners


It is our intention to allow providers maximum flexibility and application across all areas of the industry. The Long Term Underwriter Learnership • offers an opportunity for insurance and reinsurance underwriters to obtain a


i. The learner’s own interest and selected career path ii. The needs of the organisation as identified in the Workplace Skills Plan iii. A need identified as part of a performance appraisal by a line manager. iv. A need identified as part of an organisation’s strategy towards an identified goal.


Mentored on-job training Based on the whole qualification: National Certificate in Insurance: Long Term: Risk Assessment, NQF Level 4, registered on 5 December 2001 - ID 20774 The work experience programme is based on Core and selected Elective unit standards and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Long Term Underwriter. Note that the unit standard underwrite a standard risk in long term insurance is an integral part of the 410 hours of practical experience. Assessment Criteria for mentored on the job experience. For 29% of the 59 credits, which are in Core.

• Core unit standards: Qualifying learners should be capable of:

• Applying the methods, procedures and techniques of underwriting. • Operating as an informed employee in the long term insurance sub sector. • Understanding the structure and the market of long term insurance and their

role and place in that structure. • Operating within clearly defined contexts within the long term insurance Act

with limited scope for decision-making and responsibility. Associated Assessment Criteria: • Rules of available products are applied to different situations in order to

underwrite a standard risk. • Work output is in line with an agreed mandate, relevant service agreements

and organisation’s customer service standards applicable to underwriting. • Methods, procedures and techniques of underwriting are applied consistently

in terms of a specific company’s policies, legislative requirements and standard industry practices.

• Consequences of non-compliance are clearly indicated for practices required in assessing a long term insurance risk.


• Knowledge of current developments in long term insurance is discussed with reference to the potential impact on underwriting.

• The structure of the long term insurance industry is analysed and an indication is given of the contribution of risk assessment to the insurance industry.

• The long term market is described and an indication is given of the role that long term insurance plays in a changing market.

• An underwriting synopsis is presented to support the assessment of risk in along term insurance policy.

• A computerised database is used to access information from electronic media and to underwrite a standard risk.

Elective unit standards: For 29% of a minimum of 15 credits from a selection of unit standards relating to Long Term Underwriting, FOR EXAMPLE from: • Analyse the different products available in the long term insurance industry and the

benefits of each. Recommended. ID 14314 Level 4 – 10 Credits. • Assess a long term insurance claim. • Demonstrate knowledge and understanding of reinsurance at a basic level in long

term insurance. Recommended. ID 14432 Level 4 – 3 Credits. • Demonstrate knowledge and insight into the Collective Investment Scheme Act, 45 of

2003 (CISCA).


• Demonstrate knowledge and insight into the Income Tax Act as amended as it applies to insurance and Investment products.

• Describe the different types of interest bearing investments and compare these to securities.

• Demonstrate knowledge and insight into the Long Term Insurance Act (1998). • Describe the control of fraud in Long Term insurance. Recommended. ID 14318

Level 4 – 3 Credits. • Demonstrate knowledge and understanding of different products marketed by

Healthcare Benefit Administrators. • Demonstrate knowledge and insight into the Policyholder Protection Legislation. • Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to employee retirement and

insurance benefits. • Demonstrate knowledge and understanding of different group retirement benefit

products. • Describe group insured benefits. Recommended. ID 10395 Level 4 – 2 Credits. • Demonstrate knowledge and understanding of how the insurance industry responds

to different needs in the group retirement benefits market. • Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it

applies to insurance related products. • Collect and use data to establish complex statistical and probability models and

solve related problems. • Demonstrate knowledge and understanding of the Primary legislation that impacts

on retirement funds. • Research the history of the Financial Services industry in South Africa. • Indicate how different needs lead to the development of different insurance products. • Describe retirement funding in South Africa. Recommended. ID 8992 Level 3 – 2

Credits. • Describe funeral insurance. Recommended. ID 8995 Level 3 – 2 Credits. • Describe the importance of a healthy lifestyle for members of medical schemes and

explain the concept of corporate wellness. • Describe healthcare funding in South Africa and the role of intermediaries in the

sector. • Demonstrate knowledge and understanding of the role, functions and duties of



responsibilities of trustees of retirement funds. • Produce word processing documents for business. • Produce and use spreadsheets for business. • Manage risk in own life. • Maintain an existing information system in an insurance environment. • Demonstrate the ability to use electronic mail software to send and receive messages. • Demonstrate ability to use the World Wide Web. Associated Assessment Criteria

Practical formative, continuous assessment according to a check-list provided by

the trainer for the assessor, against the assessment criteria of the chosen elective unit standards.

Assessment using a variety of methods such as observation, taped evidence, examination of work or product etc. Assessment should follow the relevant ETQA’s Assessment policy.


2.6. Date of registration of the qualification on the NQF (if registered) and code and number

of the qualification:

Date: 5 December 2001 - ID 20774


NA








National Certificate in Insurance: Long Term: Risk Assessment, NQF Level 4

20774 4 140


Communication

20 credits. Made up of 15 compulsory credits from FET and 5 contextualised communication

credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%

Write for a wide range of contexts. 8976 4 5 71% 29%




5


8979 4 5 71% 29%





12155 4 5 71% 29%

Apply comprehension skills to engage oral

text in a business environment.

12154 4 5 71% 29%

Use the writing process to compose texts

required in a business environment..

12153 4 5 71% 29%




7468

4

6

71% 29%



9015 4 6

71% 29%


geometrical relationships in 2 and 3 dimensional space in the life and workplace of the adult with increasing responsibilities.

12417 4 4 71% 29%





10


10389 4 3 71% 29%


10385 4 5 71% 29%


own lives 10387 4 6 71% 29%



(SMME). 10386 4 3 71% 29%

An additional SA Language at NQF level3

20 credits. Made up of 15 compulsory credits from FET and 5 contextualised credits. Learners may select from Sepedi,



15

Compulsory

Accommodate context needs in oral communication

8968 3 5 71% 29%

Compulsory

Interpret and use information from texts8969 3 5 71% 29%





Compulsory


8970 3 5 71% 29%

Contextualised Communication unit standards at level 3 – Choose 5 credits. Choose unit standards that are relevant

to the career path.

5


enquiries in a financial services environment9302 3 2 71% 29%




8973 3 5 71% 29%

Core Learning

59

Demonstrate knowledge and application of ethical conduct in a business environment.

13940 4 4 71% 29%

Underwrite a standard risk in long term insurance.

14433 4 40 71% 29%

Analyse new developments reported in the

media that could impact on long term insurance.

12326 4 10 71% 29%



8996 3 3 71% 29%





Elective Learning Select unit standards relevant to a Long

Term Underwriter career path for a minimum of 15 Credits from the

suggested list of electives. (It is also suggested that additional unit standards

be chosen to ensure all relevant aspects of knowledge and skills is

addressed).

15


of each.

14314 4 10 71% 29%

Demonstrate knowledge and understanding of reinsurance at a basic level in long term

insurance.

14432 4 3 71% 29%


14318 4 3 71% 29%



8992 3 2 71% 29%


8995 3 2 71% 29%

Assess a long term insurance claim. 14431 4 2 71% 29%


(CISCA).

12166 4 2 71% 29%





Demonstrate knowledge and insight into the Income Tax Act (58 of 1962 and

accompanying regulations) as amended as it applies to insurance and Investment products.

14315 4 2 71% 29%

Describe the different types of interest bearing investments and compare these to securities.

12171 4 3 71% 29%


14316 4 2 71% 29%



12323 4 4 71% 29%


12332 4 2 71% 29%


marriage, divorce and maintenance as it applies to employee retirement and insurance

benefits.

10391 4 2 71% 29%


10390 4 2 71% 29%

Demonstrate knowledge and understanding of how the insurance industry responds to

different needs in the group retirement benefits market.

10394 4 2 71% 29%







10392 4 2 71% 29%

Collect and use data to establish complex statistical and probability models and solve

related problems.

7465 4 5 71% 29%


retirement funds.

10393 4 2 71% 29%


8986 3 10 71% 29%


8987 3 4 71% 29%



8998 3 2 71% 29%


9002 3 3 71% 29%


retirement funds.

12547 3 4 71% 29%


medical schemes.

12550 3 4 71% 29%







12548 3 4 71% 29%


7570 3 5 71% 29%




8103 2 2 71% 29%

Demonstrate the ability to use electronic mail software to send and receive

messages.

7571 2 3 71% 29%


7573 2 3 71% 29%



ensure relevance. The qualification requirements must

be met before additional unit standards from other relevant

qualifications are chosen.






hours of practical mentored on the job experience in a Long Term Underwriter

position in an organisation. This is assessed against the selected Elective unit standards and the Exit Outcomes and Assessment Criteria of the whole

qualification. Refer to motivation points 2.5 and 4


4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 Hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 366 Hours Refer to section 2.5, pages 3 to 4 Mentored on the Job Training. Rules of available products are applied to different situations in order to underwrite a standard risk. Work output is in line with an agreed mandate, relevant service agreements and organisation’s customer service standards applicable to underwriting.

Consequences of non-compliance are clearly indicated for practices required in assessing a long term insurance risk.

New developments and trends in the long term insurance industry are accessed, analysed and interpreted from reports in the media.

Knowledge of current developments in long term insurance is discussed with reference to the potential impact on underwriting.

An underwriting synopsis is presented to support the assessment of risk in along term insurance policy.

A computerised database is used to access information from electronic media and to underwrite a standard risk.










Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

Long Term Claims Assessor: NQF Level 4 14 February 05 L0011 1

LEARNERSHIP TITLE: Long Term Claims Assessor NQF Level 4







1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Long Term Claims Assessor: NQF Level 4

Title of the Qualification: National Certificate in Insurance: Long Term: Risk Assessment, NQF Level 4








It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Long Term Claims Assessor Learnership • offers an opportunity for claims assessors to obtain a recognised qualification where

there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the industry Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of

i. The learner’s own interest and selected career path ii. The needs of the organisation as identified in the Workplace Skills Plan iii. A need identified as part of a performance appraisal by a line manager. iv. A need identified as part of an organisation’s strategy towards an identified goal.


Mentored on-job training Based on the whole qualification: National Certificate in Insurance: Long Term: Risk Assessment, NQF Level 4, registered on 5 December 2001 - ID 20774

The work experience programme is based on Core and selected Elective unit standards and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation. Note that the unit standards underwrite a standard risk in long term insurance (Core) and assess a long term insurance claim (Elective) are an integral part of the 410 hours of practical experience. Assessment Criteria for mentored on the job experience. For 29% of the 59 Credits, which are in Core.

Core unit standards: Qualifying learners should be capable of:

• Applying the methods, procedures and techniques of claims assessing. • Operating as informed employees in the long term insurance sub sector. • Understanding the structure and the market of long term insurance and their role

and place in that structure. • Operating within clearly defined contexts within the long term insurance Act with

limited scope for decision-making and responsibility.

Associated Assessment Criteria: • Rules of available products are applied to different situations in order to assess

a claim. • Work output is in line with an agreed mandate, relevant service agreements and

organisation’s customer service standards applicable to claims assessing. • Methods, procedures and techniques of claims assessing are applied

consistently in terms of a specific company’s policies, legislative requirements and standard industry practice.

• Claims are validated according to specific company procedures. • Consequences of non-compliance are clearly indicated for practices required in

assessing a long term insurance risk. • New developments and trends in the long term insurance industry are accessed,

analysed and interpreted from reports in the media. • Knowledge of current developments in long term insurance are discussed with

reference to the potential impact on claims assessing. • Performance targets are met in terms of speed and accuracy in assessing

claims. • The structure of the long term insurance industry is analysed and an indication is

given of the contribution of claims assessment to the insurance industry. • The long term market is described and an indication is given of the role that long

term insurance plays in a changing market. • A computerised database is used to access information from electronic media

and to underwrite a standard risk.

Elective unit standards: For 29% of a minimum of 15 credits from a selection of unit standards relating to Long Term Claims Assessing, FOR EXAMPLE from:

• Analyse the different products available in the long term insurance industry and

the benefits of each. Recommended. • Assess a long term insurance claim. Recommended. • Demonstrate knowledge and understanding of reinsurance at a basic level in

long term insurance.


• Demonstrate knowledge and insight into the Collective Investment Scheme Act, 45 of 2003 (CISCA).

• Demonstrate knowledge and insight into the Income Tax Act as amended as it applies to insurance and Investment products.

• Describe the different types of interest bearing investments and compare these to securities.

• Demonstrate knowledge and insight into the Long Term Insurance Act (1998). • Describe the control of fraud in Long Term insurance. Recommended. • Demonstrate knowledge and understanding of different products marketed by

Healthcare Benefit Administrators. • Demonstrate knowledge and insight into the Policyholder Protection Legislation. • Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to employee retirement and

insurance benefits. • Demonstrate knowledge and understanding of different group retirement benefit

products. • Describe group insured benefits. • Demonstrate knowledge and understanding of how the insurance industry

responds to different needs in the group retirement benefits market. • Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it

applies to insurance related products. • Demonstrate knowledge and understanding of the Primary legislation that

impacts on retirement funds. • Collect and use data to establish complex statistical and probability models and

solve related problems. (NSB 10) • Research the history of the Financial Services industry in South Africa. • Indicate how different needs lead to the development of different insurance

products. • Describe retirement funding in South Africa. • Describe funeral insurance. • Describe the importance of a healthy lifestyle for members of medical schemes

and explain the concept of corporate wellness. • Describe healthcare funding in South Africa and the role of intermediaries in the

sector. • Demonstrate knowledge and understanding of the role, functions and duties of



responsibilities of trustees of retirement funds. • Produce word processing documents for business. • Produce and use spreadsheets for business. • Manage risk in own life. • Maintain an existing information system in an insurance environment. • Demonstrate the ability to use electronic mail software to send and receive

messages. • Demonstrate ability to use the World Wide Web.


Associated assessment Criteria Practical formative, continuous assessment according to a checklist provided by

the trainer for the assessor against the assessment criteria for the selected unit standards and especially the unit standard “assess a long term insurance claim”.

Assessment using a variety of methods such as observation, taped evidence, examination of work or product etc. Assessment should follow the relevant ETQA’s Assessment policy.

2.6. Date of registration of the qualification on the NQF (if registered) and code and number of the qualification:

Date: 5 December 2001 - ID 20774


NA








National Certificate in Insurance: Long Term: NQF Level 4: Risk Assessment

20774 4 140


Communication

20 credits. Made up of 15 compulsory credits from FET and 5 contextualised credits.

15


8974 4 5 71% 29%


8975 4 5 71% 29%


8976 4 5 71% 29%




5


8979 4 5 71% 29%





12155 4

5

71% 29%

Apply comprehension skills to interrogate a

verbal text in a business environment.

12154 4 5 71% 29%


required in business environment.

12153 4 5 71% 29%




7468

4

6

71% 29%



9015 4 6

71% 29%


geometrical relationships in 2 and 3 dimensional space in the life and workplace of the adult with increasing responsibilities.

12417 4 4 71% 29%





10

Describe the basic principles of personal income tax.

10389 4

3

71% 29%

Develop a business plan for a small business. 10385 4

5

71% 29%


own lives. 10387 4

6 71% 29%

Interpret basic financial statements. 10388 4 3 71% 29%

Investigate the possibilities of establishing and

running a small business enterprise (SMME) 10386 4 3 71% 29%


level 3 20 credits. Made up of 15 compulsory credits

from FET and 5 contextualised credits. Learners may select from Sepedi, Sesotho,

Setwana, siSwati, Tshivenda, Xotsonga, Afrikaans, English, isiNdebele, isiXhosa,

isiZulu, and sign language.

15

Compulsory

Accommodate context needs in oral communication.

8968 3 5 71% 29%

Compulsory






Compulsory Write texts for a range of communicative

contexts.

8970 3 5 71% 29%



5


environment.

9302 3 2 71% 29%


9303 3 3 71% 29%


8973 3 5 71% 29%

Core Learning

59

Underwrite a standard risk in long term insurance.

14433 4 40 71% 29%


13940 4 4

71% 29%


media that could impact on long term insurance.

12326 4 10 71% 29%



8996 3 3 71% 29%





Elective learning Select unit standards relevant to a Long Term Claims Assessing career path for a minimum

of 15 Credits from the suggested list of electives. (It is also suggested that additional

unit standards be chosen to ensure all relevant aspects of knowledge and skills is

addressed).

15

Assess a long term insurance claim. 14431 4 2 71% 29%

Analyse the different products available in the long term insurance industry and the benefits of

each.

14314 4 10 71% 29%


14318 4 3 71% 29%


insurance.

14432 4 3 71% 29%


(CISCA).

12166 4 2 71% 29%

Demonstrate knowledge and insight into the Income Tax Act (58 of 1962 and accompanying regulations)

as amended as it applies to insurance and investment products.

14315 4 2 71% 29%

Describe the different types of interest bearing investments and compare these to securities.

12171 4 3 71% 29%


14316 4 2 71% 29%



12323 4 4 71% 29%






12332 4 2 71% 29%



10391 4 2 71% 29%


10390 4 2 71% 29%


Demonstrate knowledge and understanding of how the insurance industry responds to

different needs in the group retirement benefits market.

10394 4 2 71% 29%



10392 4 2 71% 29%


retirement funds.

10393 4 2 71% 29%

Collect and use data to establish complex statistical and probability models and solve

related problems. (NSB 10)

7465 4 5 71% 29%


8986 3 10 71% 29%


8987 3 4 71% 29%


8992 3 2 71% 29%


8995 3 2 71% 29%







8998 3 2 71% 29%


9002 3 3 71% 29%


retirement funds.

12547 3 4 71% 29%


medical schemes.

12550 3 4 71% 29%



12548 3 4 71% 29%


7570 3 5 71% 29%


7567 3 5 71% 29%

Manage risk in own life.

8994 3 2 71% 29%


8103 2 3 71% 29%


7571 2 3 71% 29%


7573 2 3 71% 29%






The qualification requirements must be met before additional unit standards from other relevant



hours of practical mentored on the job experience in a Long Term Claims

Assessing position in an organisation. This is assessed against the selected Elective unit standards and the Exit

Outcomes and Assessment Criteria of the whole qualification. Refer to



4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 366 Hours Refer to section 2.5, pages 3 to 4 Mentored on the Job Training. Rules of available products are applied to different situations in order to assess a claim. Work output is in line with an agreed mandate, relevant service agreements and organisation’s customer service standards applicable to claims assessing. Methods, procedures and techniques of claims assessing are applied consistently in terms of a specific company’s policies, legislative requirements and standard industry practice.

Claims are validated according to specific company procedures.

Consequences of non-compliance are clearly indicated for practices required in assessing a long term insurance claim.

New developments and trends in the long term insurance industry are accessed, analysed and interpreted from reports in the media. Knowledge of current developments in long term insurance is discussed with reference to the potential impact on claims assessing.

Performance targets are met in terms of speed and accuracy in assessing claims.

A computerised database is used to access information from electronic media and to underwrite a standard risk.


Electives: Practical application: 44 Hours Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate unit standard 5. Learnership Discretionary Grants in favour of an Employer


Website www.inseta.org.za

Click on Learnerships

Click on Learnership Funding Policy



Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

LEARNERSHIP TITLE: Short Term Insurance Personal/Domestic Claims Negotiator NQF Level 4







1.5 SETA’s fax number: (011) 484-0862




2.1 Title of the Learnership: Short Term Insurance: Personal/Domestic Claims Negotiator: NQF Level 4

Title of the Qualification: National Certificate: Short Term Insurance: NQF Level 4



2.5 Number of credits to be earned: Minimum 140 credits.

Skills in the insurance industry are mainly cognitive skills and the application of theory and knowledge that are generic across different positions in the industry. For this Learnership learners are required to complete a minimum of 410 hours mentored practical work experience. In the insurance industry it is difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and may out-source other more generic skills. Smaller organisations use a range of private providers. It is almost certain that the communication, mathematics and financial literacy units will be out-sourced to private providers. All providers of training involved in INSETA Learnerships have to be accredited with an ETQA. In every Learnership situation within the insurance & investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. Training providers should use their discretion and be alert to situations where learners


It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Short Term Insurance: Personal / Domestic Claims Negotiator Learnership • offers an opportunity for Short Term Insurance Personal / Domestic

Claims Assessors to obtain a recognised qualification where there was previously none

• offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in

the industry




manager. iv. A need identified as part of an organisation’s strategy towards an

identified goal.

Mentored on-job training Based on the whole qualification: National Certificate in Insurance Short Term, NQF Level 4, registered on 12 June 2002 - ID 21796 The work experience programme is based on Core and selected Elective unit standards including the unit standards underwrite a standard risk in short term personal/domestic insurance and assess a short term personal/domestic insurance claim and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a short term personal / domestic claims negotiator. Note that the unit standards underwrite a standard risk in short term personal/domestic insurance and assess a short term personal/domestic insurance claim are an integral part of the 410 hours of practical experience. Assessment Criteria for mentored on the job experience. For 29% of the 48 Credits, which are in Core. Core unit standards: Qualifying learners should be capable of:

1 Co-ordinating with others. 2 Applying the essential methods, procedures and techniques used

in short term insurance. 3 Analysing new developments in the industry and researching

aspects of short term insurance. 4 Operating as informed employees on the short term insurance sub

sector. 5 Understanding the structure and the market of the short term

insurance sub sector. 6 Gathering, analysing and presenting information. 7 Operating within clearly defined contexts within the Short Term

Insurance Act with limited scope for decision-making and responsibility.

8 Understanding legislation that regulates short term insurance at a basic level of understanding.

9 Interpreting information from short term insurance related texts and operational symbols or representations.

Associated Assessment Criteria:

10 Rules of available products are applied to different situations in order to perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment.

11 Work output is in line with an agreed mandate, relevant service agreement and organisation’s customer service standards applicable to a clearly defined work role in short term insurance.

12 Methods, procedures and techniques of a clearly defined work role in short term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practice.

13 The consequences of non-compliance are clearly indicated for practices required in a specific work role in short term insurance.

14 New developments and trends in the short term insurance industry are accessed, analysed and interpreted from reports in the media.

15 Knowledge of current developments in short term insurance are discussed with reference to the potential impact on short term insurance.

16 The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry.

17 The short term market is described and an indication is given of the role short term claims assessing in personal lines plays in a changing market

18 Information is gathered, analysed and presented according to the requirements of a work specific role in short term insurance.

19 A computerised database is used to access information from electronic media and to perform a specific function in short term insurance.

Elective unit standards: For 29% of a minimum of 26 Credits from a selection of unit standards relating to Short Term Insurance Personal / Domestic Claims Negotiating, FOR EXAMPLE from: 1 Underwrite a standard risk in Short Term personal/domestic

insurance. Recommended. 2 Process a Short Term personal/domestic insurance claim.

Recommended. 3 Manage risk in own work/business environment. 4 Demonstrate knowledge and understanding of domestic motor

insurance. Recommended. 5 Demonstrate knowledge and understanding of personal/domestic

insurance in South Africa. Recommended. 6 Demonstrate knowledge and understanding of personal accident

insurance. 7 Describe financial interactions of insurers and intermediaries in short

term insurance. Recommended.

8 Demonstrate knowledge and understanding of insurance of personal/domestic household contents and household buildings. Recommended.

9 Describe the insurance of watercraft. 10 Demonstrate knowledge and understanding of all risks insurance. 11 Describe insurance cover against damage caused by riots and acts of

terrorism and violence against public authorities in Namibia. 12 Demonstrate knowledge and insight into the Policyholder Protection

Legislation. Recommended. 13 Demonstrate knowledge and understanding of the Value Added Tax

Act, 89 of 1991 as amended as it applies to insurance policies 14 Demonstrate knowledge and understanding of the Road Ordinance as

it applies to motor insurance. 15 Apply technical knowledge and skill to determine the quantum and

validity of a light motor vehicle claim. 16 Apply technical knowledge and skill to determine the quantum and

validity of an industrial or heavy vehicle claim. 17 Manage time and the work process within the insurance environment. 18 Recognise the effect of HIV/AIDS in the insurance industry and

workplace and indicate precautions that are necessary to avoid unnecessary transmission of the HI Virus.

19 Research the history of the Financial Services Industry in South Africa.

20 Describe Funeral Insurance. 21 Market a single need insurance policy to a niche market. 22 Describe Transportation Insurance. 23 Demonstrate knowledge and understanding of the role, functions and

duties of trustees of retirement funds. 24 Demonstrate knowledge and understanding of the role, functions and


and responsibilities of trustees of retirement funds. 26 Underwrite a standard risk in Short Term commercial and industrial

insurance. 27 Demonstrate knowledge and understanding of the different products

marketed by Healthcare Benefits Administrators. 28 Demonstrate knowledge and understanding of Commercial, Industrial

and Corporate Insurance in South Africa. 29 Demonstrate knowledge and insight into the Compensation for

Occupational Injury and Disease Act 130 of 1993 (COIDA). 30 Demonstrate knowledge and understanding of the statutory cover

afforded under the Compensation for Occupational Injury and Disease Act 130 of 1993, as amended (COIDA).

31 Demonstrate knowledge and understanding of the sales process in short term insurance.

32 Explain strategies to retail and expand existing business in the insurance/investment industry.

33 Demonstrate knowledge and insight into the Long Term Insurance Act (1998).

34 Demonstrate knowledge and insight into the Medical Schemes Act (131 of 1998) and the accompanying regulations.

35 Demonstrate knowledge and insight into the Financial Advisory and Intermediary Services Act (FAIS) (Act 37 of 2002). Recommended. ID 12164 Level 4 – 2 Credits.

36 Identify possible ways of improving employment prospects. 37 Manage personal expenditure. 38 Research costs associated with marriage, birth, divorce and death in

own circumstances. 39 Produce word processing documents for business. 40 Produce and use spreadsheets for business. 41 Produce presentation documents for business. 42 Demonstrate ability to use the world wide web. Associated Assessment Criteria 1 Practical formative, continuous assessment according to a checklist

provided by the trainer for assessors against the assessment criteria for the selected unit standards including underwrite a standard risk in short term personal/domestic insurance and assess a short term personal/domestic insurance claim, which are strongly recommended.

2 Assessment using a variety of methods such as observation, taped evidence, examination of work or product etc.


Date: 12 June 2002 - ID 21796


NA






National Certificate in Insurance: Short Term, NQF Level 4

21796 4 140


Communication 20 credits. Made up of 15 compulsory credits

from FET and 5 contextualised credits

15


8974 4 5


8975 4 5


8976 4 5




5


8979 4 5

Title Code NQF Level Credivalue


12155 4 5


texts in a business environment.

12154 4 5

Use the writing process to compose texts required in business environment. 12153 4 5




7468

4

6


12417

4

4



9015

4

6



10


10389 4 3

Develop a business plan for a small

business

10385

4

5

Investigate ways of managing financial risk

in own lives 10387 4 6



(SMME)

10386

4

3


An additional SA Language at NQF Level 3


credits. Learners may select from Sepedi, Sesotho,

Setwana, siSwati, Tshivenda, Xotsonga, Afrikaans, English, isiNdebele, isiXhosa, isiZulu, and sign language provided that:

•1 The language has not been offered under fundamental

•2 Only one language from the Nguni group may be offered as either elective or fundamental

•3 Only one language from the Sotho group may be offered as either elective or fundamental

15

Compulsory


8968 3 5

Compulsory

Interpret and use information from texts. 8969 3 5

Compulsory


8970 3 5

Contextualised Communication unit

standards at level 3 – Choose 5 credits. Choose unit standards that are relevant to

the career path. 5


enquiries in a financial services environment.

9302 3 2




Use language and communication in occupational learning programmes. 8973 3 5

Core Learning

48


13940 4 4


accompanying regulations

10194 4

2

Explain reinsurance as it is applied in Short Term insurance. 10362

4

3


environment.

12168

4

9

Analyse new developments reported in the media that could impact on short term

insurance.

10363

4

10



10364

4

3

Describe short term insurance 8989 3 2


8997 3 3


value


9005 3 2

Produce written evidence of short term insurance contracts and maintain records of

policies and premiums.

9006 3 3



8987 3 4

Elective Learning Select unit standards relevant to a Short

Term Insurance Personal/Domestic Claims Negotiator career path for a minimum of 26

Credits.

26

Underwrite a standard risk in Short Term personal/domestic insurance.

10366 4 10

Process a Short Term personal/domestic insurance claim.

10370 4 3

Demonstrate knowledge and understanding of domestic motor insurance.

10368 4 3

Demonstrate knowledge and understanding of personal/domestic insurance in South

Africa.

10369 4 3

Describe financial interactions of insurers and intermediaries in short term insurance.

10372 4 2


value

Demonstrate knowledge and understanding of insurance of personal/domestic household

contents and household buildings.

10373 4 3


12332 4 2

Demonstrate knowledge and understanding of personal accident

insurance.

10371 4 2

Manage risk in own work/business environment.

13954 4 2

Describe the insurance of watercraft. 10374 4 5

Demonstrate knowledge and understanding of all risks insurance.

13839 4 2


violence against public authorities in Namibia.

10380 4 2

Demonstrate knowledge and understanding of the Value Added Tax Act, 89 of 1991 as amended as it applies to insurance policies.

10381 4 2

Demonstrate knowledge and understanding of the Road Ordinance as it applies to motor

insurance.

10382 4 2


value

Apply technical knowledge and skill to determine the quantum and validity of a light

motor vehicle claim.

10383 4 5

Apply technical knowledge and skill to determine the quantum and validity of an

industrial or heavy vehicle claim.

10384 4 5

Manage time and the work process within the insurance environment.

8101 2 2

Recognise the effect of HIV/AIDS in the insurance industry and workplace and

indicate precautions that are necessary to avoid unnecessary transmission of the HI

Virus.

9356 2 4

Research the history of the Financial Services Industry in South Africa.

8986 3 10

Describe Funeral Insurance. 8995 3 2


9004 2 2

Describe Transportation Insurance. 10365 4 2


retirement funds.

12547 3 4


medical schemes.

12550 3 4



12548 3 4


value

Underwrite a standard risk in Short Term commercial and industrial insurance.

10367 4 10

Demonstrate knowledge and understanding of the different products marketed by Healthcare Benefits Administrators.

12323 4 4

Demonstrate knowledge and understanding of Commercial, Industrial and Corporate

Insurance in south Africa.

10376 4 4



10377 4 2

Demonstrate knowledge and understanding of the statutory cover afforded under the

Compensation for Occupational Injury and Disease Act 130 of 1993, as amended

(COIDA).

10378 4 3

Demonstrate knowledge and understanding of the sales process in short term insurance.

10379 4 4

Explain strategies to retail and expand existing business in the insurance/investment

industry.

14319 4 3


14316 4 2



12335 4 3

Demonstrate knowledge and insight into the Financial Advisory and Intermediary Services


12164 4 2

Identify possible ways of improving employment prospects.

10713 3 3


value

Manage personal expenditure.

10712

3

3



10714

3

4


business.

7570

3

5


7567

3

5

Produce presentation documents for

business.

7575

3

5

Demonstrate ability to use the world wide

web.

7573

3

5


value

Elective unit standards at level 3 and 4 from insurance and financial services related fields may be included in order

to ensure relevance. The qualification requirements

must be met before additional unit standards from other relevant


The qualification requires an

integrated summative assessment based on 410 hours of practical,

mentored, on the job experience in a Short Term Insurance

Personal/Domestic Claims Negotiator position in an organisation. This is

assessed against the selected Elective unit standards and the Exit Outcomes and Assessment Criteria of the whole

qualification. Refer to motivation points 2.5 and 4.

4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours. Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamental: 335 Hours. Refer to section 2.5, pages 3 to 5 Mentored on the Job Training. Rules of available products are applied to different situations in order to perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment. Work output is in line with an agreed mandate, relevant service agreement and organisation’s customer service standards applicable to a clearly defined work role in short term insurance. Methods, procedures and techniques of a clearly defined work role in short term insurance are applied consistently in terms of specific company policy, legislative

requirements and standard industry practice. The consequences of non-compliance are clearly indicated for practices required in a specific work role in short term insurance. New developments and trends in the short term insurance industry are accessed, analysed and interpreted from reports in the media. Knowledge of current developments in short term insurance are discussed with reference to the potential impact on short term insurance. The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry. The short term market is described and an indication is given of the role short term claims assessing in personal lines plays in a changing market

Information is gathered, analysed and presented according to the requirements of a work specific role in short term insurance. A computerised database is used to access information from electronic media and to perform a specific function in short term insurance. Electives: Practical application: 75 Hours Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate unit standard

5. Learnership Discretionary Grant in favour of the Employer


1 Website www.inseta.org.za





Credits earned 0 - 120 121 - 240 241 - 360 361 - 480

Learner Allowance per Learner per year@ R 519.60 per month

R 6 235.20


R 12 470.40

Short Term Insurance Personal/Domestic Underwriter, NQF Level 4 14 February 05 L0013 1

LEARNERSHIP TITLE: Short Term Insurance Personal / Domestic Underwriter

NQF Level 4

Learnership Code: 13Q 00 001 843 1204 1. Information pertaining to the SETA





1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Short Term Insurance: Personal / Domestic Underwriter: NQF Level 4








It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Short Term Insurance Personal / Domestic Underwriter Learnership • offers an opportunity for claims assessors to obtain a recognised

qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the


i. The learner’s own interest and selected career path ii. The needs of the organisation as identified in the Workplace Skills Plan iii. A need identified as part of a performance appraisal by a line manager. iv. A need identified as part of an organisation’s strategy towards an identified

goal.


Mentored on-job training Based on the whole qualification: National Certificate in Insurance Short Term, NQF Level 4, registered on 12 June 2002 - ID 21796 The work experience programme is based on Core and selected Elective unit standards including the unit standard underwrite a standard risk in personal/domestic insurance and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a short term Insurance personal/domestic underwriter. Note the unit standard underwrite a standard risk in personal/domestic insurance is an integral part of the 410 hours of practical experience. Assessment Criteria for mentored on the job experience. For 29% of the 48 Credits, which are in core. Core unit standards: Qualifying learners should be capable of:

• Co-ordinating with others. • Applying the essential methods, procedures and techniques used in

short term insurance. • Analysing new developments in the industry and researching aspects of

short term insurance. • Operating as informed employees on the short term insurance sub

sector. • Understanding the structure and the market of the short term insurance

sub sector. • Gathering, analysing and presenting information. • Operating within clearly defined contexts within the Short Term Insurance

Act with limited scope for decision-making and responsibility. • Understanding legislation that regulates short term insurance at a basic

level of understanding. • Interpreting information from short term insurance related texts and

operational symbols or representations.

Associated Assessment Criteria: • Rules of available products are applied to different situations in order to

perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment.

• Work output is in line with an agreed mandate, relevant service agreement and organisation’s customer service standards applicable to a clearly defined work role in short term insurance.

• Methods, procedures and techniques of a clearly defined work role in short term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practice.

• The consequences of non-compliance are clearly indicated for practices required in a specific work role in short term insurance.

• New developments and trends in the short term insurance industry are accessed, analysed and interpreted from reports in the media.

• Knowledge of current developments in short term insurance are discussed with reference to the potential impact on short term insurance.

• The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry.


• The short term market is described and an indication is given of the role short term underwriting in personal lines plays in a changing market

• Information is gathered, analysed and presented according to the requirements of a work specific role in short term insurance

• A computerised database is used to access information from electronic media and to perform a specific function in short term insurance.

.

Elective unit standards: For 29% of a minimum of 26 credits from a selection of unit standards relating to Short Term Personal / Domestic Underwriting, FOR EXAMPLE from: Underwrite a standard risk in Short Term personal/domestic insurance.

Recommended. Process a Short Term personal/domestic insurance claim. Manage risk in

own work/business environment. Demonstrate knowledge and understanding of domestic motor insurance.

Recommended. Demonstrate knowledge and understanding of personal/domestic insurance

in South Africa. Recommended. Demonstrate knowledge and understanding of personal accident insurance. Describe financial interactions of insurers and intermediaries in short term

insurance. Recommended. Demonstrate knowledge and understanding of insurance of

personal/domestic household contents and household buildings. Recommended.

Describe the insurance of watercraft. Recommended. Demonstrate knowledge and understanding of all risks insurance.

Recommended. Describe insurance cover against damage caused by riots and acts of

terrorism and violence against public authorities in Namibia. Demonstrate knowledge and insight into the Policyholder Protection

Legislation. Recommended. Demonstrate knowledge and understanding of the Value Added Tax Act, 89

of 1991 as amended as it applies to insurance policies. Recommended. Demonstrate knowledge and understanding of the Road Ordinance as it applies to motor insurance.

Apply technical knowledge and skill to determine the quantum and validity of a light motor vehicle claim.

Apply technical knowledge and skill to determine the quantum and validity of an industrial or heavy vehicle claim.

Manage time and the work process within the insurance environment. Recognise the effect of HIV/AIDS in the insurance industry and workplace

and indicate precautions that are necessary to avoid unnecessary transmission of the HI Virus.

Research the history of the Financial Services Industry in South Africa. Describe Funeral Insurance. Market a single need insurance policy to a niche market. Describe Transportation Insurance. Demonstrate knowledge and understanding of the role, functions and duties

of trustees of retirement funds. Demonstrate knowledge and understanding of the role, functions and duties

of trustees of medical schemes. Demonstrate ability to use and interpret texts that apply to the role and

responsibilities of trustees of retirement funds. Underwrite a standard risk in Short Term commercial and industrial

insurance.



Demonstrate knowledge and understanding of Commercial, Industrial and Corporate Insurance in South Africa.

Demonstrate knowledge and insight into the Compensation for Occupational Injury and Disease Act 130 of 1993 (COIDA).

Demonstrate knowledge and understanding of the statutory cover afforded under the Compensation for Occupational Injury and Disease Act 130 of 1993, as amended (COIDA).


Explain strategies to retail and expand existing business in the insurance/investment industry.


Demonstrate knowledge and insight into the Medical Schemes Act (131 of 1998) and the accompanying regulations.

Demonstrate knowledge and insight into the Financial Advisory and Intermediary Services Act (FAIS) (Act 37 of 2002). Recommended.

Identify possible ways of improving employment prospects. Manage personal expenditure. Research costs associated with marriage, birth, divorce and death in own

circumstances. Produce word processing documents for business. Produce and use spreadsheets for business. Produce presentation documents for business. Demonstrate ability to use the world wide web.

Associated Assessment Criteria Practical formative, continuous assessment according to a checklist provided

by the trainer for assessors against the assessment criteria for the selected unit standards including underwrite a standard risk in personal/domestic insurance, which is strongly recommended.

Assessment using a variety of methods such as observation, taped evidence, examination of work or product etc.


Date: 12 June 2002 - ID 21796


NA









4 140


Communication

20 credits. Made up of 15 compulsory credits from FET and 5 contextualised credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%


8976 4 5 71% 29%




5


8979 4 5 71% 29%





12155 4 5 71% 29%

Apply comprehension skills to interrogate a

verbal text in a business environment.

12154 4 5 71% 29%

Use the writing process to compose texts required in business environment. 12153 4 5 71% 29%




7468

4

6

71% 29%


12417

4

4

71% 29%



9015

4

6

71% 29%






10


10389 4 3 71% 29%


10385 4 5 71% 29%

Investigate ways of managing financial risk in own lives

10387

4

6

71% 29%

Interpret basic financial statements 10388

4

2

71% 29%


(SMME)

10386

4

3

71% 29%








Setwana, siSwati, Tshivenda, Xotsonga, Afrikaans, English, isiNdebele, isiXhosa, isiZulu, and sign language provided that.

• The language has not been offered under fundamental

• Only one language from the Nguni group may be offered as either elective or fundamental


15

Compulsory


8968 3 5 71% 29%

Compulsory


Compulsory


8970 3 5 71% 29%



the career path. 5



9302 3 2 71% 29%







Use language and communication in occupational learning programmes. 8973 3 5 71% 29%

Core Learning

48


13940 4 4 71% 29%



10194 4

2 71% 29%


4

3

71% 29%


environment.

12168

4

9 71% 29%


insurance.

10363

4

10 71% 29%



10364 4

3 71% 29%



8997 3 3 71% 29%






insurance in South Africa 9005 3 2 71% 29%



9006 3 3 71% 29%



development of different insurance products.8987 3 4 71% 29%

Elective Learning

Select unit standards relevant to a Short Term Insurance Personal /

Domestic Underwriter career path for a minimum of 26 Credits from the

suggested list of electives. (It is also suggested that additional unit standards

be chosen to ensure all relevant aspects of knowledge and skills are

addressed).

26


10366 4 10 71% 29%


13839 4 2 71% 29%


10368 4 3 71% 29%





Demonstrate knowledge and understanding of personal/domestic insurance in South Africa.

10369 4 3 71% 29%


10372 4 2 71% 29%



10373 4 3 71% 29%


12332 4 2 71% 29%

Describe the insurance of watercraft. 10374 4 5 71% 29%

Demonstrate knowledge and understanding of the Value Added Tax Act, 89 of 1991 as

amended as it applies to insurance policies.

10381 4 2 71% 29%


insurance.

10371 4 2 71% 29%


10370 4 3 71% 29%


13954 4 2 71% 29%



10380 4 2 71% 29%






insurance.

10382 4 2 71% 29%



10383 4 5 71% 29%



10384 4 5 71% 29%


8101 2 2 71% 29%

Recognise the effect of HIV/AIDS in the insurance industry and workplace and indicate

precautions that are necessary to avoid unnecessary transmission of the HI Virus.

9356 2 4 71% 29%


8986 3 10 71% 29%

Describe Funeral Insurance. 8995 3 2 71%


9004 2 2 71% 29%

Describe Transportation Insurance. 10365 4 2 71% 29%


retirement funds.

12547 3 4 71% 29%






medical schemes.

12550 3 4 71% 29%



12548 3 4 71% 29%


10367 4 10 71% 29%

Demonstrate knowledge and understanding of the different products marketed by Healthcare


12323 4 4 71% 29%



10376 4 4 71% 29%



10377 4 2 71% 29%



(COIDA).

10378 4 3 71% 29%


10379 4 4 71% 29%

Explain strategies to retail and expand existing business in the insurance/investment industry.

14319 4 3 71% 29%


14316 4 2 71% 29%



12335

4 3 71% 29%






Financial Advisory and Intermediary Services Act (FAIS) (Act 37 of 2002).

12164 4 2 71% 29%


10713 3 3 71% 29%

Manage personal expenditure. 10712 3 3 71% 29%

Research costs associated with marriage, birth, divorce and death in own circumstances.

10714 3 4 71% 29%


7570 3 5 71% 29%



7575 3 5 71% 29%

Demonstrate ability to use the world wide web.

7573 3 5 71% 29%


to ensure relevance. The qualification requirements must







The qualification requires an integrated summative assessment based on 410 hours of practical, mentored, on the

job experience in a Short Term Insurance Personal/Domestic

Underwriter position in an organisation. This is assessed against the selected Elective unit standards and the Exit




4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamental: 335 Hours Refer to section 2.5, pages 3 to 5 Mentored on the Job Training. Rules of available products are applied to different situations in order to perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment. Work output is in line with an agreed mandate, relevant service agreement and organisation’s customer service standards applicable to a clearly defined work role in short term insurance. Methods, procedures and techniques of a clearly defined work role in short term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practice. The consequences of non-compliance are clearly indicated for practices required in a specific work role in short term insurance. New developments and trends in the short term insurance industry are accessed, analysed and interpreted from reports in the media. Knowledge of current developments in short term insurance are discussed with reference to the potential impact on short term insurance. The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry.


The short term market is described and an indication is given of the role short term claims assessing in personal lines plays in a changing market









Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.40

LEARNERSHIP TITLE: Short Term Insurance Personal/Domestic Call Centre Operator NQF Level 4







1.5 SETA’s fax number: (011) 484-0862




2.1 Title of the Learnership: Short Term Insurance: Personal/Domestic Call Centre Operator: NQF Level 4







It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Short Term Insurance Personal / Domestic Call Centre Operator Learnership • offers an opportunity for claims assessors to obtain a recognised

qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in

the industry





identified goal.

Mentored on-job training Based on the whole qualification: National Certificate in Insurance Short Term, NQF Level 4, registered on 12 June 2002 - ID 21796 The work experience programme is based on Core and selected Elective unit standards and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a short term personal/domestic call centre operator. Assessment Criteria for mentored on the job experience. For 29% of the 48 Credits, which are in Core. Core unit standards: Qualifying learners should be capable of:










order to perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering

an agreement, broker liaison, and operating in a financial services call centre environment.







17 The short term market is described and an indication is given of the role a short term insurance call centre operator plays in a changing market



Elective unit standards: For 29% of a minimum of 26 Credits from a selection of unit standards relating to Short Term Personal / Domestic Call Centre Operating, FOR EXAMPLE from: 1 Underwrite a standard risk in Short Term personal/domestic

insurance. Recommended. 2 Process a Short Term personal/domestic insurance claim. 3 Manage risk in own work/business environment. 4 Demonstrate knowledge and understanding of domestic motor

insurance. Recommended. 5 Demonstrate knowledge and understanding of personal/domestic

insurance in South Africa. Recommended. 6 Demonstrate knowledge and understanding of personal accident

insurance. 7 Describe financial interactions of insurers and intermediaries in short

term insurance. 8 Demonstrate knowledge and understanding of insurance of personal /

domestic household contents and household buildings. Recommended.

9 Describe the insurance of watercraft. 10 Demonstrate knowledge and understanding of all risks insurance. 11 Describe insurance cover against damage caused by riots and acts of

terrorism and violence against public authorities in Namibia.

12 Demonstrate knowledge and insight into the Policyholder Protection Legislation. Recommended.

13 Demonstrate knowledge and understanding of the Value Added Tax Act, 89 of 1991 as amended as it applies to insurance policies

14 Demonstrate knowledge and understanding of the Road Ordinance as it applies to motor insurance.

15 Apply technical knowledge and skill to determine the quantum and validity of a light motor vehicle claim.

16 Apply technical knowledge and skill to determine the quantum and validity of an industrial or heavy vehicle claim.

17 Manage time and the work process within the insurance environment. 18 Recognise the effect of HIV/AIDS in the insurance industry and







insurance. 27 Demonstrate knowledge and understanding of the different products


and Corporate Insurance in South Africa. 29 Demonstrate knowledge and insight into the Compensation for



31 Demonstrate knowledge and understanding of the sales process in short term insurance. Recommended.




35 Demonstrate knowledge and insight into the Financial Advisory and Intermediary Services Act (FAIS) (Act 37 of 2002). Recommended.

36 Identify possible ways of improving employment prospects. 37 Manage personal expenditure. 38 Research costs associated with marriage, birth, divorce and death in

own circumstances. 39 Produce word processing documents for business.

40 Produce and use spreadsheets for business. 41 Produce presentation documents for business. 42 Demonstrate ability to use the world wide web. Associated Assessment Criteria 1 Practical formative, continuous assessment according to a checklist

provided by the trainer for assessors against the assessment criteria for the selected unit standards.



Date: 12 June 2002 - ID 21796


NA







21796 4 140




15


8974 4 5


8975 4 5


8976 4 5




5


8979 4 5

Title Code NQF Level Credvalu


12155 4 5



12154 4 5





7468

4

6


12417

4

4



9015

4

6



10


10389 4 3


10385 4 5

Investigate ways of managing financial risk in own lives

10387 4 6


10388 4 2


(SMME) 10386 4 3









15

Compulsory


8968 3 5

Compulsory


Compulsory


8970 3 5



the career path. 5



9302 3 2





Core Learning

48


13940 4 4



10194 4 2

Explain reinsurance as it is applied in Short Term insurance. 10362 4 3


environment.

12168

4

9


insurance.

10363

4

10



10364 4

3



8997 3 3

Title Code NQF Level Credi

value


9005 3 2



9006 3 3



8987 3 4

Elective Learning Select unit standards relevant to a Short Term Insurance Personal/Domestic Call

Centre Operator career path for a minimum of 26 Credits.

26


10366 4 10



12164 4 2


10368 4 3


Africa.

10369 4 3



10373 4 3


value


12332 4 2


10379 4 4


insurance.

10371 4 2


10372 4 2


13954 4 2



13839 4 2


10370 4 3



10380 4 2


10381 4 2


value


insurance.

10382 4 2



10383 4 5



10384 4 5


8101 2 2



Virus.

9356 2 4


8986 3 10



9004 2 2



retirement funds.

12547 3 4


value


medical schemes.

12550 3 4



12548 3 4


10367 4 10


12323 4 4



10376 4 4



10377 4 2



(COIDA).

10378 4 3


industry.

14319 4 3


14316 4 2



12335 4 3


value

Identify possible ways of improving

10713 3 3

employment prospects.

Manage personal expenditure.

10712 3 3



10714 3 4


business.

7570 3 5


7567 3 5

Produce presentation documents for

business.

7575 3 5

Demonstrate ability to use the world wide

web.

7573 3 5


value







mentored, on the job experience in a Short Term Insurance

Personal/Domestic Call Centre Operator position in an organisation. This is assessed against the selected Elective unit standards and the Exit



4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamental: 335 Hours Refer to section 2.5, pages 3 to 5 Mentored on the Job Training. Rules of available products are applied to different situations in order to perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment. Work output is in line with an agreed mandate, relevant service agreement and organisation’s customer service standards applicable to a clearly defined work role in short term insurance. Methods, procedures and techniques of a clearly defined work role in short term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practice. The consequences of non-compliance are clearly indicated for practices required in a

specific work role in short term insurance. New developments and trends in the short term insurance industry are accessed, analysed and interpreted from reports in the media. Knowledge of current developments in short term insurance are discussed with reference to the potential impact on short term insurance. The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry. The short term market is described and an indication is given of the role short term claims assessing in personal lines plays in a changing market









Credits earned 0 - 120 121 - 240 241 - 360 361 - 480


R 6 235.20


R 12 470.40

LEARNERSHIP TITLE: Short Term Insurance Commercial / Industrial Underwriter NQF Level 4







1.5 SETA’s fax number: (011) 484-0862




2.1 Title of the Learnership: Short Term Insurance: Commercial / Industrial Underwriter: NQF Level 4







It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Short Term Insurance Commercial / Industrial Underwriter Learnership • offers an opportunity for claims assessors to obtain a recognised


the industry





identified goal.

Mentored on-job training Based on the whole qualification: National Certificate in Insurance Short Term, NQF Level 4, registered on 12 June 2002 - ID 21796 The work experience programme is based on Core and selected Elective unit standards including the unit standard underwrite a standard risk in Commercial / Industrial insurance and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a short term commercial / industrial underwriter. Note the unit standard underwrite a standard risk in commercial /industrial insurance is an integral part of the 410 hours of practical experience. Assessment Criteria for mentored on the job experience. For 29% of the 48 Credits, which are in Core. Core unit standards: Qualifying learners should be capable of:










order to perform a clearly defined work role in short term

insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment.







17 The short term market is described and an indication is given of the role short term underwriting in the commercial and industrial class of insurance plays in a changing market



Elective unit standards: For 29% of a minimum of 26 Credits from a selection of unit standards relating to Short Term Commercial / Industrial Underwriting, FOR EXAMPLE from: 1 Underwrite a standard risk in Short Term personal/domestic

insurance. 2 Process a Short Term personal/domestic insurance claim. Manage

risk in own work/business environment. 3 Demonstrate knowledge and understanding of domestic motor

insurance. 4 Demonstrate knowledge and understanding of personal/domestic

insurance in South Africa. 5 Demonstrate knowledge and understanding of personal accident

insurance. Recommended. 6 Describe financial interactions of insurers and intermediaries in short

term insurance. Recommended. 7 Demonstrate knowledge and understanding of insurance of personal/ 8 Describe the insurance of watercraft. 9 Demonstrate knowledge and understanding of all risks insurance.

Recommended.

10 Describe insurance cover against damage caused by riots and acts of terrorism and violence against public authorities in Namibia.


12 Demonstrate knowledge and understanding of the Value Added Tax Act, 89 of 1991 as amended as it applies to insurance policies. Recommended.


14 Apply technical knowledge and skill to determine the quantum and validity of a light motor vehicle claim.

15 Apply technical knowledge and skill to determine the quantum and validity of an industrial or heavy vehicle claim.

16 Manage time and the work process within the insurance environment. 17 Recognise the effect of HIV/AIDS in the insurance industry and







insurance. Recommended. 26 Demonstrate knowledge and understanding of the different products


and Corporate Insurance in South Africa. Recommended. 28 Demonstrate knowledge and insight into the Compensation for



30 Demonstrate knowledge and understanding of the sales process in short term insurance.




34 Demonstrate knowledge and insight into the Financial Advisory and Intermediary Services Act (FAIS) (Act 37 of 2002). Recommended.

35 Identify possible ways of improving employment prospects. 36 Manage personal expenditure.

37 Research costs associated with marriage, birth, divorce and death in own circumstances.

38 Produce word processing documents for business. 39 Produce and use spreadsheets for business. 40 Produce presentation documents for business. 41 Demonstrate ability to use the world wide web. Associated Assessment Criteria 1 Practical formative, continuous assessment according to a checklist

provided by the trainer for assessors against the assessment criteria for the selected unit standards including underwrite a standard risk in Commercial / Industrial insurance, which is strongly recommended.



Date: 12 June 2002 - ID 21796


NA







21796 4 140




15


8974 4 5


8975 4 5


8976 4 5




5


8979 4 5

Title Code NQF Level Creval


12155 4 5



12154 4 5





7468

4 6


12417

4 4



9015

4 6



10


10389 4 3


10385 4 5


in own lives

10387 4 6



(SMME)

10386

4

3









15

Compulsory


8968 3 5

Compulsory


Compulsory


8970 3 5



the career path. 5



9302 3 2





Core Learning

48


13940 4 4



10194 4 2


4 3


environment.

12168

4 9


insurance.

10363

4 10



10364 4 3



8997 3 3

Title Code NQF Level Cred

valu


9005 3 2



9006 3 3



8987 3 4

Elective Learning Select unit standards relevant to a Short Term Insurance Commercial / Industrial

Underwriter career path for a minimum of 26 Credits.

26

Underwrite a standard risk in Short Term

commercial and industrial insurance. 10367 4 10

Demonstrate knowledge and understanding

of Commercial, Industrial and Corporate Insurance in south Africa.

10376 4 4


12332 4 2



12164 4 2


10372 4 2


valu


insurance.

10371 4 2


13839 4 2


10381 4 2


10366 4 10


10370 4 3


10368 4 3


Africa.

10369 4 3



10373 4 3


13954 4 2

Describe the insurance of watercraft.

10374 4 5


valu



10380 4 2


insurance.

10382 4 2



10383 4 5



10384 4 5


8101 2 2



Virus.

9356 2 4


8986 3 10



9004 2 2



valu


retirement funds.

12547 3 4


medical schemes.

12550 3 4



12548 3 4


12323 4 4



10377 4 2



(COIDA).

10378 4 3


10379 4 4


industry.

14319 4 3


14316 4 2



12335 4 3


10713 3 3


valu

Manage personal expenditure. 10712 3 3

Research costs associated with marriage, birth, divorce and death in own

circumstances.

10714 3 4


7570 3 5



7575 3 5

Demonstrate ability to use the world wide web.

7573 3 5






valu



mentored, on the job experience in a Short Term Insurance Commercial / Industrial Underwriter position in an

organisation. This is assessed against the Core and selected Elective unit

standards and the Exit Outcomes and Assessment Criteria of the whole qualification. Refer to motivation

points 2.5 and 4.

4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamental: 335 Hours Refer to section 2.5, pages 3 to 5 Mentored on the Job Training. Rules of available products are applied to different situations in order to perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment. Work output is in line with an agreed mandate, relevant service agreement and organisation’s customer service standards applicable to a clearly defined work role in short term insurance. Methods, procedures and techniques of a clearly defined work role in short term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practice. The consequences of non-compliance are clearly indicated for practices required in a specific work role in short term insurance. New developments and trends in the short term insurance industry are accessed, analysed and interpreted from reports in the media.

Knowledge of current developments in short term insurance are discussed with reference to the potential impact on short term insurance. The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry. The short term market is described and an indication is given of the role short term claims assessing in personal lines plays in a changing market









Credits earned 0 - 120 121 - 240 241 - 360 361 - 480


R 6 235.20

Learner Allowance per Learner per year R 12 470.40


Intermediary: General Insurance and Investment 14 February 05 L0020 1

LEARNERSHIP TITLE: Intermediary: General Insurance and Investment NQF Level 4

Learnership Code: 13Q 1300 2799 1404






1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Intermediary: General Insurance and Investment

Title of the Qualification: National Certificate in Financial Services: Wealth Management







It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Intermediary: General Insurance and Investment Learnership: • offers an opportunity for General Insurance and Investment Intermediaries

to obtain a recognised qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the



goal.


Mentored on-job training Based on the whole qualification: National Certificate in Financial Services: Wealth Management, registered on 11 February 2004 - ID 48493. The work experience programme based on selected core and elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a General Insurance and Investment Intermediary. Assessment Criteria for mentored on the job experience. For 29% of the 52 Credits, which are in Core. Qualifying learners should be capable of: 1. Applying fundamental knowledge of the most important areas of wealth

management and the applicable legislation, economic principles and knowledge of the Financial Services Industry in general in order to make a financial decision or propose a financial solution as an Intermediary in General Insurance and Investment.

Core unit standards:

• Research the history of the Financial Services industry in South Africa. • Explain the structure of the Financial Services Industry in South Africa. • Demonstrate knowledge and insight of the Financial Advisory and

Intermediary Services Act (FAIS) (Act 37 of 2002). • Explain basic investment principles. • Investigate the range of products available for investment. • Analyse current events reported in media that could impact on wealth

management. • Describe issues of compliance and/or non-activity that could result in civil

or criminal liability in terms of business law.

Assessment Criteria • Information is presented and communicated reliably and accurately in

writing and verbally in accordance with legislated requirements. • Questions asked by a client are answered with reference to the

history and structure of the financial services industry and other relevant industry knowledge.

• Current events that impact on wealth management or wealth creation are discussed and used to make or propose an informed financial solution as a General Insurance and Investment Intermediary.

• Financial information and data is interpreted and basic investment principles are applied to propose and substantiate potential financial solutions within the learner’s level of licensing mandate.

• Knowledge of risk and a client’s needs are applied in order to propose a financial solution or make a financial decision.

• Proposed financial solutions are in line with licensing requirements, an agreed mandate, relevant service agreements and an organisation’s customer service policy.

• Essential methods, procedures, and techniques used in financial services Wealth Management are applied in compliance with relevant legislation.

• Different wealth management proposals are compared with reference to the risk profile of the client and the investment.


2. Explaining the Wealth Management operating environment as a system

within the Financial Services sector Core unit standard • Analyse current events reported in the media that could impact on

wealth management

Assessment Criteria • An indication is given of current events that could impact on the

sector and financial decisions and proposed solutions

3. Explaining why it is necessary to plan for financial security in retirement

Core unit standard • Describe retirement Funding in South Africa • Explain basic investment principles

Assessment Criteria

• The need for careful financial planning for retirement is explained with examples based on a client’s needs

• A proposal to create or manage wealth for retirements is explained and an indication is given of the consequences of not making adequate financial provision for retirement

4. Applying knowledge of risk and regulation of risk to wealth management and

wealth creation Core unit standards • Explain the nature of risk and the risk management process • Describe issues of compliance and/or non activity that could result in civil


Assessment Criteria • The nature of risk is explained and regulations relating to the

management of risk are applied in order to propose a financial solution or make a financial decision.

5. Applying ethical conduct and the requirements of FAIS, FICA, the Promotion of

Access to Information Act and the Electronic Transactions Act and other relevant legislation to wealth management and wealth creation

Core unit standards • Demonstrate knowledge and insight of the Financial Advisory and

Intermediary Services Act (FAIS) Act 37 of 2002. • Explain the financial Intelligence Centre Act, 38 of 2001 and the

implications of the Act for client relations. • Explain the requirements of the Promotion of Access to Information Act,

2 of 2002 and the Electronic Transactions and Communications Act, 25 of 2002 in wealth management.

• Explain and apply ethical conduct in a business environment. • Apply knowledge and understanding of south African law to the

regulation of risk management. • Describe issues of compliance and/or non-activity that could result in civil



Assessment Criteria

• Risks associated with non-compliance or non=activity are explained and the legislation is applied to make an ethical business decision or propose a financial solution

Elective unit standards: For 29 % of a minimum of 22 credits from a selection of unit standards relating to Intermediaries: General Insurance and Investment, FOR EXAMPLE from: • Demonstrate knowledge and insight into the Long Term Insurance Act

(1998). • Use an electronic system as a tool in a financial services context. • Use an electronic system to propose a financial solution. Recommended. • Demonstrate knowledge and understanding of different Group Retirement Benefit

products. Recommended. • Explore strategies to retain or expand existing business in the

insurance/investment industry. Recommended. • Explain the basic principles of asset management as they apply to financial

markets and insurance. • Determine risk exposure in order to manage the risk in a specific situation.

Recommended. • Analyse the Financial services Industry and the role of insurance in a

business environment. Recommended. • Demonstrate skills and techniques required to build a relationship with a

client in a financial services environment. Recommended. • Apply knowledge of the sales cycle in wealth management. • Explain Insurable risk. Recommended. • Describe collective investment schemes. Recommended. • Describe funeral insurance. Recommended. • Explain basic transactions in the collective investment industry. • Indicate how different needs lead to the development investment products.

Recommended. • Explain Money Markets and money market instruments • Explain Equity Markets and equity market instruments • Explain Capital Markets and capital market instruments • Indicate how different needs lead to the development of different insurance

products. Recommended. • Apply the law of contract to insurance. Recommended. • Describe life insurance • Indicate the scope of life insurance in South Africa. Recommended. • Demonstrate knowledge and understanding of reinsurance at a basic level in

long term insurance • Demonstrate knowledge and understanding of different Group Retirement

Benefit products. Recommended. • Describe Group Insured Benefits • Investigate possible funding options for investors exiting a group retirement

fund • Investigate dread disease products and their place in wealth management. • Explain the types of compulsory statutory insurance in South Africa • Demonstrate knowledge and insight into the income tax Act (58 of 1962) as

amended) as it applies to insurance and investment products • Demonstrate knowledge and insight into Capital Gains Legislation • Demonstrate knowledge and understanding of the Value Added Tax Act, 89

of 1991 as amended as it applies to insurance products


• Demonstrate knowledge and insight into the Policyholder Protection Legislation

• Describe Healthcare Funding in South Africa and the role of intermediaries in the sector. Recommended.

• Demonstrate knowledge and understanding of different products marketed by Healthcare Benefits Administrators

• Explain the Medicines and Related Substances Control Amendment Act, 59 of 2003 as it impacts on medical schemes

• Demonstrate knowledge and insight into the Medical schemes Act (131 0f 1998) and the accompanying regulations

• Describe the control of fraud in Long Term insurance • Demonstrate knowledge and understanding of the sales process in long term

insurance. Recommended. • Analyse the different products available in the long term insurance industry

and the benefits of each. Recommended. • Describe the main aspects of pre and post retirement planning. • Indicate the scope of Short Term Insurance in South Africa. Recommended. • Explain credit risk. Recommended. • Describe disability insurance solutions in the context of financial planning.

Recommended.






Date 11 February 2004 ID 48493


NA



Intermediary: General Insurance & Investment 14 February 05 L0020 7





National Certificate in Financial Services: Wealth Management

48493 4 140


Communication


credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%





5


8979 4 5 71% 29%




Apply comprehension skills to interrogate a written text in a business

environment.

12155

4 5 71% 29%

Apply comprehension skills to

interrogate a verbal text in a business environment.

12154 4 5 71% 29%

Use the writing process to compose

texts required in a business environment.

12153 4 5 71% 29%




7468 4 6 71% 29%



9015 4 6 71% 29%


12417 4 4 71% 29%





Financial Literacy

Choose 10 credits

10

Describe the basic principles of

personal income tax

10389 4 3 71% 29%


10385

4 5 71% 29%

Investigate ways of managing financial

risk in own lives

10387

4 6 71% 29%


10388

4 2 71% 29%

Investigate the possibilities of

establishing and running a small business enterprise (SMME)

10386

4

3

71% 29%









isiNdebele, isiXhosa, isiZulu, and sign language provided that:




15

Compulsory: Accommodate audience and context

needs in oral communication

8968

3 5 71% 29%

Compulsory: Interpret and use information from

texts

8969

3 5 71% 29%

Compulsory: Write texts for a range of communicative contexts

8970

3 5 71% 29%




Contextualised Communication unit standards at level 3 – Choose 5 credits. Choose a unit standard that is relevant

to the career path.

5


8973 3 5 71% 29%

Access information in order to respond to client enquiries in a financial services

environment

9302 3 2 71% 29%

Communicate verbally with clients in a financial services environment

9303 3 3 71% 29%

Core Learning

52 71% 29%


8996 3 10 71% 29%


Industry in South Africa 113922

3 3 71% 29%

Describe retirement funding in south Africa 8992 3 2 71% 29%

Explain and apply ethical conduct in a business environment

13940 4 4 71% 29%

Analyse current events reported in the media that could impact on wealth management

113925 4 10 71% 29%

Explain the nature of risk and the risk management process

14995 4 4 71% 29%




Apply knowledge and understanding of the South African law to the regulation of risk

management

15007 4 2 71% 29%

Describe issues of compliance and or non activity that could result in civil or criminal

liability in terms of business law 14979 4 2 71% 29%

Demonstrate knowledge and insight of the Financial Advisory and Intermediary Services

Act (FAIS) (Act 37 of 2002)

12164 4 2 71% 29%

Explain the Financial Intelligence Centre Act 36 of 2001 and the implications of the Act for

client relations

14506 4 3 71% 29%

Explain the requirements of the Promotion of Access to information Act 2 pf 2002 and the

Electronic Transactions and Communications Act 25 of 2002 in Wealth Management

113928 4 2 71% 29%

Explain basic investment principles 113916 4 3 71% 29%

Investigate the range of options available for wealth management

113914 4 5 71% 29%

Elective Learning Select unit standards relevant to a General

Insurance and Investment Intermediary career path for a minimum of 22 Credits from

the suggested list of electives. (It is also suggested that additional unit standards be

chosen to ensure all relevant aspects of knowledge and skills are addressed).

22

Analyse the Financial services Industry and the role of insurance in a business

environment

12168 4 9 71% 29%




Use an electronic system to propose a financial solution

113912 4 3 71% 29%

Demonstrate knowledge and understanding of different Group Retirement Benefit products

10390 4 2 71% 29%

Determine risk exposure in order to manage the risk in a specific situation

15008 4 2 71% 29%

Demonstrate skills and techniques required to build a relationship with a client in a financial

services environment

113903 4 3 71% 29%

Demonstrate knowledge and understanding of the sales process in long term insurance

143117 4 5 71% 29%

Indicate how different needs lead to the development investment products

12183 4 5 71% 29%

Explore strategies to retain or expand existing business in the insurance/investment industry

14319 4 3 71% 29%

Indicate how different needs lead to the development of different insurance products

8987 3 4 71% 29%

Indicate the scope of Short Term Insurance in South Africa

8997 3 3 71% 29%

Apply the law of contract to insurance 14991 4 2 71% 29%

Describe healthcare funding in South Africa and the role of intermediaries in the sector

9002 3 3 71% 29%

Analyse the different products available in the long term insurance industry and the

benefits of each

14314 4 10 71% 29%





Explain Insurable risk 14994 4 2 71% 29%


8996 3 3 71% 29%

Describe collective investment schemes 8990 3 2 71% 29%


Describe disability insurance solutions in the context of financial planning

113910 4 4 71% 29%

Explain credit risk 14988 4 2 71% 29%


retirement funds

12547 3 4 71% 29%


trustees of retirement funds

12548 3 4 71% 29%


maintenance as it apples to group retirement and insurance benefits

10714 4 2 71% 29%


14316 4 2 71% 29%


insurance

14432 4 3 71% 29%




Describe group insured benefits 10395 4 2 71% 29%

Demonstrate knowledge and understanding of how the insurance industry responds to the

different needs in the Group Retirement Benefits market

10394 4 2 71% 29%

Investigate possible funding options for investors exiting a group retirement fund

113920 4 2 71% 29%

Apply industry knowledge to develop an investment strategy for a group retirement or

medical scheme

113930 4 2 71% 29%

Describe the control of fraud in long term insurance

14318 4 3 71% 29%

Explain fiduciary responsibilities and the associated risks.

113923 4 1 71% 29%

Describe the main aspects of pre and post retirement planning

113931 4 2 71% 29%

Investigate dread disease products and their place in wealth management

113913 4 2 71% 29%

Demonstrate knowledge and understanding of the primary legislation that impacts on

retirement funds

10393 4 2 71% 29%

Demonstrate knowledge and insight into the income tax Act (58 of 1962) as amended) as it applies to insurance and investment products

14315 4 2 71% 29%


amended as it applies to insurance products

10381 4 2 71% 29%




Demonstrate knowledge and understanding ofthe Estate Duties Act (45 of 1955) as it

applies to insurance

10392 4 2 71% 29%

Demonstrate knowledge and insight into Capital Gains Legislation

12167 4 2 71% 29%


Benefits Administrators

12323 4 4 71% 29%

Describe the control of fraud in Healthcare Benefits Administration

12321 4 8 71% 29%

Describe managed care as it is applied in Healthcare Benefits Administration in South

Africa

12318 4 6 71% 29%

Explain the concept of coding as used in Healthcare Benefits Administration

12413 4 4 71% 29%

Explain options for healthcare in order to make an informed decision

113926 4 2 71% 29%

Explain the options available for post retirement healthcare funding

113919 4 3 71% 29%

Analyse the proposed National Health Policy as a means of providing healthcare for the

nation

113927 4 4 71% 29%

Explain the Medicines and Related Substances Control Amendment Act, 59 of

2003 as it impacts on medical schemes

113932 4 2 71% 29%

Demonstrate knowledge and insight into the Medical schemes Act (131 0f 1998) and the


12335 4 3 71% 29%

Demonstrate knowledge and insight into the Policyholder Protection Legislation

12332 4 2 71% 29%




Demonstrate knowledge and insight into the Collective Investment Schemes Act, 45 of

2003 (CICSA)

12166 4 2 71% 29%

Explain Money Markets and money market instruments

113908 4 2 71% 29%

Explain Equity Markets and equity market instruments

113905 4 2 71% 29%

Explain Capital Markets and capital market instruments

113906 4 2 71% 29%

Apply knowledge of the sales cycle in wealth management

113921 4 3 71% 29%

Explain the basic principles of asset management as they apply to financial

markets and insurance

113917 4 4 71% 29%



8991 3 2 71% 29%


medical schemes

12550 3 4 71% 29%

Explain basic transactions in the collective investment industry

9001 3 2 71% 29%

Indicate how collective investments scheme portfolios are reported

9000 3 2 71% 29%

Describe short Term Insurance 8989 3 2 71% 29%




Describe financial interactions of insurers and intermediaries in short term insurance

10372 4 2 71% 29%

Demonstrate knowledge and understanding of personal accident insurance

10371 4 2 71% 29%

Demonstrate knowledge and understanding of all risks insurance

10375 4 2 71% 29%

Demonstrate knowledge and understanding of the sales process in short term insurance

10379 4 5 71% 29%


Underwrite a credit risk 15011 4 4 71% 29%

Explain fidelity insurance as a means of managing people related financial risk

14987 4 3 71% 29%


9005 3 2 71% 29%

Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998)

and the accompanying regulations

10194 4 2 71% 29%

Research the Healthcare Benefits Administrator sub sector in South Africa

12325 4 5 71% 29%


113911 3 2 71% 29%









The qualification requires an integrated summative assessment based on 410 hours of practical mentored on the job experience in an Intermediary: General Insurance and Investment position in an organisation. This is

assessed against the selected Elective unit standards and the exit outcomes and assessment criteria of the whole

qualification. Refer to motivation Points 2.5 and 4


4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 346 Hours Refer to section 2.5 pages 3 to 4 Mentored on the job training

Information is presented and communicated reliably and accurately in writing and verbally in accordance with legislated requirements. Questions asked by a client are answered with reference to the history and structure of the financial services industry and other relevant industry knowledge. Current events that impact on retirement funding or wealth creation are discussed and used to make or propose an informed financial solution as a General Insurance and Investment Intermediary. Financial information and data is interpreted and basic investment principles are applied to propose and substantiate potential financial solutions within the learner’s level of licensing mandate. Knowledge of risk and a client’s needs are applied in order to propose a financial solution or make a financial decision. Proposed financial solutions are in line with licensing requirements, an agreed mandate, relevant service agreements and an organisation’s customer service policy. Essential methods, procedures, and techniques used in financial services Wealth Management are applied in compliance with relevant legislation. Different wealth management or wealth creation proposals are compared with reference to the risk profile of the client and the investment. An indication is given of current events that could impact on the sector and financial decisions and proposed solutions. The need for careful financial planning for retirement is explained with examples based on a client’s needs.


A proposal to create or manage wealth for retirements is explained and an indication is given of the consequences of not making adequate financial provision for retirement. The nature of risk is explained and regulations relating to the management of risk are applied in order to propose a financial solution or make a financial decision. Risks associated with non-compliance or non-activity are explained and the legislation is applied to make an ethical business decision or propose a financial solution.



5. Learnership Discretionary Grant in favour of the Employer For details on INSETA Discretionary Grants. please access:




6. Minimum Learner Allowances Learner allowances for learners who were not employed by the employer when the agreement was concluded, as provided for in section 18(2) of the Act.

Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.00

Retirement Fund Administrator (Wealth Management L4) 14 February 05 L0021 1

LEARNERSHIP TITLE: Retirement Fund Administrator NQF Level 4







1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Retirement Fund Administrator








It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Retirement Fund Administrator Learnership: • offers an opportunity for Retirement Fund Administrators to obtain a

recognised qualification where there was previously none • offers opportunities for multi-skilling • provides access for learners who could not otherwise be employed in the



goal.


Mentored on-job training Based on the whole qualification: National Certificate in Financial Services: Wealth Management, registered on 11 February 2004 - ID 48493. The work experience programme based on selected core and elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Retirement Fund Administrator. Assessment Criteria for mentored on the job experience. For 29% of the 52 Credits, which are in Core. Qualifying learners should be capable of: 1. Applying fundamental knowledge of the most important areas of wealth

















2. Explaining the Wealth Management operating environment as a system within the Financial Services sector Core unit standard • Analyse current events reported in the media that could impact on wealth

management

Assessment Criteria • An indication is given of current events that could impact on the sector

and financial decisions and proposed solutions



Assessment Criteria




wealth creation Core unit standards • Explain the nature of risk and the risk management process • Describe issues of compliance and/or non-activity that could result in civil












or criminal liability in terms of business law. Assessment Criteria



Elective unit standards: For 29 % of a minimum of 22 credits from a selection of unit standards relating to Retirement Fund Administration, FOR EXAMPLE from:

• Use an electronic system as a tool in a financial services context. Recommended.

• Use an electronic system to propose a financial solution. Recommended.

Demonstrate knowledge and insight into the Long Term Insurance Act (1998). Recommended.

• Demonstrate knowledge and understanding of different Group Retirement Benefit products. Recommended.

• Demonstrate knowledge and understanding of how the insurance industry responds to different needs in the Group Retirement Benefits market. Recommended.

• Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to group retirement and insurance benefits. Recommended.

• Determine risk exposure in order to manage the risk in a specific situation. Recommended.

• Describe the control of fraud in Long Term insurance. Recommended. • Apply industry knowledge to develop an investment strategy for a group

retirement fund or medical scheme. Recommended. • Demonstrate knowledge and understanding of the role, functions and

duties of trustees of retirement funds. Recommended. • Apply the law of contract to insurance. Recommended. • Investigate possible funding options for investors exiting a group

retirement fund. Recommended. • Describe group insured benefits. • Explain fiduciary responsibilities and the associated risks. • Demonstrate knowledge and understanding of the primary legislation

that impacts on retirement funds. Recommended. • Demonstrate ability to use and interpret texts that apply to the role and

responsibilities of trustees of retirement funds. Recommended. • Demonstrate knowledge and understanding of the sales process in long

term insurance. • Analyse the different products available in the long term insurance

industry and the benefits of each. • Describe disability insurance solutions in the context of financial

planning. • Describe the main aspects of pre and post retirement planning.








NA









48493 4 140


Communication


credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%





5


8979 4 5 71% 29%





environment.

12155

4 5 71% 29%



12154 4 5 71% 29%



12153 4 5 71% 29%




7468 4 6 71% 29%



9015 4 6 71% 29%


12417 4 4 71% 29%





Financial Literacy

Choose 10 credits

10


personal income tax

10389 4 3 71% 29%


10385

4 5 71% 29%


risk in own lives

10387

4 6 71% 29%


10388

4 2 71% 29%



10386

4

3

71% 29%













15



8968

3 5 71% 29%


texts

8969

3 5 71% 29%


8970

3 5 71% 29%





to the career path.

5


8973 3 5 71% 29%


environment

9302 3 2 71% 29%


9303 3 3 71% 29%

Core Learning

52 71% 29%


8996 3 10 71% 29%



3 3 71% 29%



13940 4 4 71% 29%


113925 4 10 71% 29%


14995 4 4 71% 29%





management

15007 4 2 71% 29%





12164 4 2 71% 29%


client relations

14506 4 3 71% 29%



113928 4 2 71% 29%



113914 4 5 71% 29%


Retirement Fund Administration career path for a minimum of 22 Credits from the suggested list of electives. (It is also

suggested that additional unit standards be chosen to ensure all relevant aspects of

knowledge and skills are addressed).

22


113911 3 2 71% 29%





113912 4 3 71% 29%


14316 4 2 71% 29%



10714 4 2 71% 29%


10390 4 2 71% 29%



10394 4 2 71% 29%


14318 4 3 71% 29%


medical scheme

113930 4 2 71% 29%


15008 4 2 71% 29%


113920 4 2 71% 29%


retirement funds

12547 3 4 71% 29%


retirement funds

10393 4 2 71% 29%





Apply the law of contract to insurance. 14991 4 2 71% 29%



113923 4 1 71% 29%



113903 4 3 71% 29%



12548 3 4 71% 29%


insurance

14432 4 3 71% 29%


medical scheme

113930 4 2 71% 29%


143117 4 5 71% 29%


benefits of each

14314 4 10 71% 29%


113910 4 4 71% 29%


113931 4 2 71% 29%





113913 4 2 71% 29%


14315 4 2 71% 29%



10381 4 2 71% 29%

Demonstrate knowledge and understanding of the Estate Duties Act (45 of 1955) as it


10392 4 2 71% 29%


12167 4 2 71% 29%



12323 4 4 71% 29%


12321 4 8 71% 29%


Africa

12318 4 6 71% 29%


12325 4 5 71% 29%


12413 4 4 71% 29%


113926 4 2 71% 29%


113919 4 3 71% 29%





nation

113927 4 4 71% 29%



113932 4 2 71% 29%



12335 4 3 71% 29%


12332 4 2 71% 29%


2003 (CICSA)

12166 4 2 71% 29%


113908 4 2 71% 29%


113905 4 2 71% 29%


113906 4 2 71% 29%


12183 4 5 71% 29%



113921 4 3 71% 29%


14319 4 3 71% 29%






113917 4 4 71% 29%


environment

12168 4 9 71% 29%



8996 3 3 71% 29%


8991 3 2 71% 29%


9002 3 3 71% 29%


medical schemes

12550 3 4 71% 29%



9001 3 2 71% 29%


9000 3 2 71% 29%



8987 3 4 71% 29%






8997 3 3 71% 29%


10372 4 2 71% 29%


10371 4 2 71% 29%


10375 4 2 71% 29%


10379 4 5 71% 29%




14987 4 3 71% 29%


9005 3 2 71% 29%



10194 4 2 71% 29%









The qualification requires an integrated summative assessment based on 410 hours of practical mentored on the job experience in a Retirement Fund

Administration position in an organisation. This is assessed against

the selected Elective unit standards and the exit outcomes and assessment

criteria of the whole qualification. Refer to motivation Points 2.5 and 4


4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 346 Hours

Information is presented and communicated reliably and accurately in writing and verbally in accordance with legislated requirements. Questions asked by a client are answered with reference to the history and structure of the financial services industry and other relevant industry knowledge. Current events that impact on wealth management or wealth creation are discussed and used to make or propose an informed financial solution in retirement funding. Financial information and data is interpreted and basic investment principles are applied to propose and substantiate potential financial solutions within the learner’s level of licensing mandate. Knowledge of risk and a client’s needs are applied in order to propose a financial solution or make a financial decision. Proposed financial solutions are in line with licensing requirements, an agreed mandate, relevant service agreements and an organisation’s customer service policy. Essential methods, procedures, and techniques used in the financial services Wealth Management are applied in compliance with relevant legislation for retirement funding. Different retirement funding proposals are compared with reference to the risk profile of the client and the investment. An indication is given of current events that could impact on the sector and financial decisions and proposed solutions. The need for careful financial planning for retirement is explained with examples based on a client’s needs. A proposal to create or manage wealth for retirements is explained and an indication is given of the consequences of not making adequate financial provision for retirement. The nature of risk is explained and regulations relating to the management of risk are applied in order to propose a financial solution or make a financial decision.


Risks associated with non-compliance or non-activity are explained and the legislation is applied to make an ethical business decision or propose a financial solution.








Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.00

Trustee: Retirement Funds 14 February 05 L0022 1

LEARNERSHIP TITLE: Trustee: Retirement Funds NQF Level 4







1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Trustee: Retirement Fund








It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Trustee: Retirement Funds Learnership: • offers an opportunity for Retirement Fund Trustees to obtain a recognised




goal.


Mentored on-job training Based on the whole qualification: National Certificate in Financial Services: Wealth Management, registered on 11 February 2004 - ID 48493. The work experience programme based on selected core and elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Retirement Fund Trustee. Assessment Criteria for mentored on the job experience. For 29% of the 52 Credits, which are in Core. Qualifying learners should be capable of: 1. Applying fundamental knowledge of the most important areas of wealth


















management





Assessment Criteria



















Elective unit standards: For 29 % of a minimum of 22 credits from a selection of unit standards relating to Retirement Fund Trustees, FOR EXAMPLE from: • Explain fiduciary responsibilities and the associated risks. Recommended. • Demonstrate knowledge and understanding of the role, functions and duties

of trustees of retirement funds. Recommended. • Demonstrate ability to use and interpret texts that apply to the role and

responsibilities of trustees of retirement funds. Recommended. • Explore strategies to retain or expand existing business in the

insurance/investment industry • Determine risk exposure in order to manage the risk in a specific situation.


business environment • Demonstrate knowledge and insight into legislation relating to marriage,

divorce and maintenance as it applies to group retirement and insurance benefits. Recommended.

• Demonstrate knowledge and insight into the Long Term Insurance Act (1998). Recommended.

• Demonstrate knowledge and understanding of different Group Retirement Benefit products.

• Describe group insured benefits. • Demonstrate knowledge and understanding of how the insurance industry

responds to different needs in the Group Retirement Benefits market. Recommended.

• Investigate possible funding options for investors exiting a group retirement fund.

• Apply industry knowledge to develop an investment strategy for a group retirement fund or medical scheme. Recommended.

• Describe the control of fraud in Long Term insurance. Recommended.

Associated Assessment Criteria Practical formative, continuous assessment according to a

checklist provided by the trainer for assessors, against the assessment criteria of the chosen elective unit standards.






NA









48493 4 140


Communication


credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%





5


8979 4 5 71% 29%





environment.

12155

4 5 71% 29%



12154 4 5 71% 29%



12153 4 5 71% 29%




7468 4 6 71% 29%



9015 4 6 71% 29%


12417 4 4 71% 29%





Financial Literacy

Choose 10 credits

10


personal income tax

10389 4 3 71% 29%


10385

4 5 71% 29%


risk in own lives

10387

4 6 71% 29%


10388

4 2 71% 29%



10386

4

3

71% 29%













15



8968

3 5 71% 29%


texts

8969

3 5 71% 29%


8970

3 5 71% 29%





to the career path.

5


8973 3 5 71% 29%


environment

9302 3 2 71% 29%


9303 3 3 71% 29%

Core Learning

52 71% 29%


8996 3 10 71% 29%



3 3 71% 29%



13940 4 4 71% 29%


113925 4 10 71% 29%


14995 4 4 71% 29%





management

15007 4 2 71% 29%





12164 4 2 71% 29%


client relations

14506 4 3 71% 29%



113928 4 2 71% 29%



113914 4 5 71% 29%


Retirement Fund Trustee career path for a minimum of 22 Credits from the suggested list of electives. (It is also suggested that additional unit standards be chosen to

ensure all relevant aspects of knowledge and skills are addressed).

22


113911 3 2 71% 29%





113912 4 3 71% 29%


113923 4 1 71% 29%


15008 4 2 71% 29%



113903 4 3 71% 29%



retirement funds

12547 3 4 71% 29%



12548 3 4 71% 29%



10714 4 2 71% 29%


14316 4 2 71% 29%


insurance

14432 4 3 71% 29%


10390 4 2 71% 29%







10394 4 2 71% 29%


113920 4 2 71% 29%


medical scheme

113930 4 2 71% 29%


14318 4 3 71% 29%


143117 4 5 71% 29%


benefits of each

14314 4 10 71% 29%


113910 4 4 71% 29%


113931 4 2 71% 29%


113913 4 2 71% 29%


retirement funds

10393 4 2 71% 29%





14315 4 2 71% 29%



10381 4 2 71% 29%



10392 4 2 71% 29%


12167 4 2 71% 29%



12323 4 4 71% 29%


12321 4 8 71% 29%


Africa

12318 4 6 71% 29%


12325 4 5 71% 29%


12413 4 4 71% 29%


113926 4 2 71% 29%


113919 4 3 71% 29%





nation

113927 4 4 71% 29%



113932 4 2 71% 29%



12335 4 3 71% 29%


12332 4 2 71% 29%


2003 (CICSA)

12166 4 2 71% 29%


113908 4 2 71% 29%


113905 4 2 71% 29%


113906 4 2 71% 29%


12183 4 5 71% 29%



113921 4 3 71% 29%


14319 4 3 71% 29%






113917 4 4 71% 29%


environment

12168 4 9 71% 29%



8996 3 3 71% 29%


8991 3 2 71% 29%


9002 3 3 71% 29%


medical schemes

12550 3 4 71% 29%



9001 3 2 71% 29%


9000 3 2 71% 29%



8987 3 4 71% 29%






8997 3 3 71% 29%


10372 4 2 71% 29%


10371 4 2 71% 29%


10375 4 2 71% 29%


10379 4 5 71% 29%




14987 4 3 71% 29%


9005 3 2 71% 29%



10194 4 2 71% 29%









The qualification requires an integrated summative assessment based on 410 hours of practical mentored on the job experience in a Retirement Fund

Trustee position in an organisation. This is assessed against the selected Elective

unit standards and the exit outcomes and assessment criteria of the whole



4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace: 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 346 Hours

Information is presented and communicated reliably and accurately in writing and verbally in accordance with legislated requirements. Questions asked by a client are answered with reference to the history and structure of the financial services industry and other relevant industry knowledge. Current events that impact on wealth management or wealth creation are discussed and used to make or propose an informed financial solution as a Trustee of a Retirement Fund. Financial information and data is interpreted and basic investment principles are applied to propose and substantiate potential financial solutions within the learner’s level of licensing mandate. Knowledge of risk and a client’s needs are applied in order to propose a financial solution or make a financial decision. Proposed financial solutions are in line with licensing requirements, an agreed mandate, relevant service agreements and an organisation’s customer service policy. Essential methods, procedures, and techniques used in the financial services Wealth Management are applied in compliance with relevant legislation. Different retirement funding proposals are compared with reference to the risk profile of the client and the investment. An indication is given of current events that could impact on the sector and financial decisions and proposed solutions. The need for careful financial planning for retirement is explained with examples based on a client’s needs. A proposal to create or manage wealth for retirements is explained and an indication is given of the consequences of not making adequate financial provision for retirement. The nature of risk is explained and regulations relating to the management of risk are applied in order to propose a financial solution or make a financial decision.










Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.00

Trustee: Medical Schemes 14 February 05 L0023 1

LEARNERSHIP TITLE: Trustee: Medical Schemes NQF Level 4







1.5 SETA’s fax number: (011) 484-0862





2.1 Title of the Learnership: Trustee: Medical Schemes








It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Trustee: Medical Scheme Learnership: • offers an opportunity for Medical Scheme Trustees to obtain a recognised




goal.


Mentored on-job training Based on the whole qualification: National Certificate in Financial Services: Wealth Management, registered on 11 February 2004 - ID 48493. The work experience programme based on selected core and elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Medical Scheme Trustee. Assessment Criteria for mentored on the job experience. For 29% of the 52 Credits, which are in Core. Qualifying learners should be capable of: 1. Applying fundamental knowledge of the most important areas of wealth


















management





Assessment Criteria



















Elective unit standards: For 29 % of a minimum of 22 credits from a selection of unit standards relating to Medical Scheme Trustees, FOR EXAMPLE from: • Demonstrate knowledge and understanding of the role, functions and duties

of trustees of medical schemes. Recommended. • Explain fiduciary responsibilities and the associated risks. Recommended. • Explore strategies to retain or expand existing business in the

insurance/investment industry. • Determine risk exposure in order to manage the risk in a specific situation.


business environment. • Access information in order to respond to client enquiries in a financial

services environment. • Explain Healthcare Benefits Administration in South Africa. Recommended. • Describe healthcare funding in South Africa and the role of intermediaries in

the sector. Recommended. • Demonstrate knowledge and understanding of the different products

marketed by Healthcare Benefits Administrators. • Describe the control of fraud in Healthcare Benefits Administration.

Recommended. • Describe managed care as it is applied in Healthcare Benefits Administration

in South Africa. • Research the Healthcare Benefits Administrator sub sector in South Africa. • Explain the concept of coding as used in Healthcare Benefits Administration.

Explain options for healthcare in order to make an informed decision. • Analyse the proposed National Health Policy as a means of providing

healthcare for the nation. • Explain the Medicines and Related Substances Control Amendment Act, 59

of 2003 as it impacts on medical schemes. • Demonstrate knowledge and insight into the Medical schemes Act (131 0f

1998) and the accompanying regulations. Recommended. • Explain the options available for post retirement healthcare funding. • Demonstrate knowledge and insight into the income tax Act (58 of 1962) as

amended) as it applies to insurance and investment products. Recommended.

• Demonstrate knowledge and insight into the Policyholder Protection Legislation.







NA










48493 4 140


Communication


credits

15


8974 4 5 71% 29%


8975 4 5 71% 29%





5


8979 4 5 71% 29%





environment.

12155

4 5 71% 29%



12154 4 5 71% 29%



12153 4 5 71% 29%




7468 4 6 71% 29%



9015 4 6 71% 29%


12417 4 4 71% 29%





Financial Literacy

Choose 10 credits

10


personal income tax

10389 4 3 71% 29%


10385

4 5 71% 29%


risk in own lives

10387

4 6 71% 29%


10388

4 2 71% 29%



10386

4

3

71% 29%













15



8968

3 5 71% 29%


texts

8969

3 5 71% 29%


8970

3 5 71% 29%





to the career path.

5


8973 3 5 71% 29%


environment

9302 3 2 71% 29%


9303 3 3 71% 29%

Core Learning

52 71% 29%


8996 3 10 71% 29%



3 3 71% 29%



13940 4 4 71% 29%


113925 4 10 71% 29%


14995 4 4 71% 29%





management

15007 4 2 71% 29%





12164 4 2 71% 29%


client relations

14506 4 3 71% 29%



113928 4 2 71% 29%



113914 4 5 71% 29%

Elective Learning Select unit standards relevant to a Medical Scheme Trustee career path for a minimum

of 22 Credits from the suggested list of electives. (It is also suggested that additional

unit standards be chosen to ensure all relevant aspects of knowledge and skills are

addressed).

22


113911 3 2 71% 29%





113912 4 3 71% 29%


113923 4 1 71% 29%


15008 4 2 71% 29%



113903 4 3 71% 29%



retirement funds

12547 3 4 71% 29%



12548 3 4 71% 29%



10714 4 2 71% 29%


14316 4 2 71% 29%


insurance

14432 4 3 71% 29%


10390 4 2 71% 29%







10394 4 2 71% 29%


113920 4 2 71% 29%


medical scheme

113930 4 2 71% 29%


14318 4 3 71% 29%


143117 4 5 71% 29%


benefits of each

14314 4 10 71% 29%


113910 4 4 71% 29%


113931 4 2 71% 29%


113913 4 2 71% 29%


retirement funds

10393 4 2 71% 29%





14315 4 2 71% 29%



10381 4 2 71% 29%



10392 4 2 71% 29%


12167 4 2 71% 29%



12323 4 4 71% 29%


12321 4 8 71% 29%


Africa

12318 4 6 71% 29%


12325 4 5 71% 29%


12413 4 4 71% 29%


113926 4 2 71% 29%


113919 4 3 71% 29%





nation

113927 4 4 71% 29%



113932 4 2 71% 29%



12335 4 3 71% 29%


12332 4 2 71% 29%


2003 (CICSA)

12166 4 2 71% 29%


113908 4 2 71% 29%


113905 4 2 71% 29%


113906 4 2 71% 29%


12183 4 5 71% 29%



113921 4 3 71% 29%


14319 4 3 71% 29%






113917 4 4 71% 29%


environment

12168 4 9 71% 29%



8996 3 3 71% 29%


8991 3 2 71% 29%


9002 3 3 71% 29%


medical schemes

12550 3 4 71% 29%



9001 3 2 71% 29%


9000 3 2 71% 29%



8987 3 4 71% 29%






8997 3 3 71% 29%


10372 4 2 71% 29%


10371 4 2 71% 29%


10375 4 2 71% 29%


10379 4 5 71% 29%




14987 4 3 71% 29%


9005 3 2 71% 29%



10194 4 2 71% 29%









The qualification requires an integrated summative assessment based on 410 hours of practical mentored on the job experience in a Medical Scheme

Trustee position in an organisation. This is assessed against the selected Elective

unit standards and the exit outcomes and assessment criteria of the whole



4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace: 410 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 346 Hours.

Information is presented and communicated reliably and accurately in writing and verbally in accordance with legislated requirements. Questions asked by a client are answered with reference to the history and structure of the financial services industry and other relevant industry knowledge. Current events that impact on wealth management or wealth creation are discussed and used to make or propose an informed financial solution as a Trustee of a Retirement Fund. Financial information and data is interpreted and basic investment principles are applied to propose and substantiate potential financial solutions within the learner’s level of licensing mandate. Knowledge of risk and a client’s needs are applied in order to propose a financial solution or make a financial decision. Proposed financial solutions are in line with licensing requirements, an agreed mandate, relevant service agreements and an organisation’s customer service policy. Essential methods, procedures, and techniques used in the financial services Wealth Management are applied in compliance with relevant legislation. Different retirement funding proposals are compared with reference to the risk profile of the client and the investment. An indication is given of current events that could impact on the sector and financial decisions and proposed solutions. The need for careful financial planning for retirement is explained with examples based on a client’s needs. A proposal to create or manage wealth for retirements is explained and an indication is given of the consequences of not making adequate financial provision for retirement. The nature of risk is explained and regulations relating to the management of risk are applied in order to propose a financial solution or make a financial decision.










Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 12 470.00

LEARNERSHIP TITLE: Intermediary: Short Term Insurance Personal Lines

NQF Level 4






1.5 SETA’s fax number: (011) 484-0862




2.1 Title of the Learnership: Intermediary: Short Term Insurance Personal Lines

Title of the Qualification: National Certificate in Short Term Insurance




Skills in the insurance industry are mainly cognitive skills and the application of theory and knowledge that are generic across different positions in the industry. For this Learnership learners are required to complete a minimum of 410 hours mentored practical work experience. In the insurance industry it is very difficult to state categorically where training is provided. Larger organisations have ETQA accredited in-house training departments who train some aspects of insurance and out-source other more generic skills. Smaller organisations use a range of private providers. It is almost certain that the communication, mathematics and financial literacy units will be out-sourced to private providers. All providers of training involved in Inseta Learnerships have to be accredited with an ETQA. In every Learnership situation within the insurance & investment sector there is an agreement signed between the learner, the training provider and the lead employer binding the learner to a specific, consistent and stable working environment for the duration of the Learnership. Training providers should use their discretion and be alert to situations where learners


It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Intermediary: Short Term Insurance Personal Lines Learnership • offers an opportunity for Short Term Insurance Personal Lines

Intermediaries to obtain a recognised qualification where there was previously none


the industry





identified goal.

Mentored on-job training Based on the whole qualification: National Certificate in Insurance Short Term, registered on 12 June 2002 - ID 21796 The work experience programme based on selected core and elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Short Term Insurance Personal Lines Inermediary. Assessment Criteria for mentored on the job experience. For 29% of the 48 Credits, which are in core. Core unit standards: Qualifying learners should be capable of:










order to perform a clearly defined work role in short term

insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment.






16 The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry. 17 The short term market is described and an indication is given

of the role short term underwriting in personal lines plays in a changing market



Elective unit standards: For 29 % of a minimum of 26 credits from a selection of unit standards relating to Short Term Insurance Personal Lines Intermediaries, FOR EXAMPLE from:

1 Demonstrate knowledge and understanding of personal/domestic insurance in South Africa. Recommended.

2 Describe financial interactions of insurers and intermediaries in short term insurance. Recommended.

3 Underwrite a standard risk in Short Term personal/domestic insurance.

4 Process a Short Term personal/domestic insurance claim. 5 Demonstrate knowledge and understanding of domestic motor

insurance. Recommended. 6 Demonstrate knowledge and understanding of personal accident

insurance. 7 Demonstrate knowledge and understanding of insurance of

personal/domestic household contents and household buildings. Recommended.

8 Demonstrate knowledge and understanding of all risks insurance. 9 Demonstrate knowledge and understanding of the sales process

in short term insurance. Recommended. 10 Explore strategies to retain or expand existing business in the

insurance/investment industry. Recommended. 11 Demonstrate knowledge and understanding of the Value Added

Tax Act, 89 of 1991 as amended as it applies to insurance policies.



14 Demonstrate knowledge and insight of the Financial Advisory and Intermediary Services Act (FAIS) (Act37 of 2002). Recommended.

15 Access information in order to respond to client enquiries in a financial services environment.

16 Communicate verbally with clients in a financial environment. 17 Research the history of the Financial Services Industry in South

Africa. 18 Apply technical knowledge and skill to determine the quantum and

validity of a light motor vehicle claim. 19 Apply technical knowledge and skill to determine the quantum and

validity of an industrial or heavy motor vehicle claim.

Associated Assessment Criteria 1 Practical formative, continuous assessment according to a checklist

provided by the trainer for assessors against the assessment criteria for the selected unit standards.



Date: 12 June 2002 - ID 21796


NA







ID 21796 4 140


Communication


15


8974 4 5


8975 4 5


8976 4 5




5


8979 4 5



12155

4

5

Apply comprehension skills to engage verbal text in a business environment. 12154 4 5



Made up of 15 compulsory credits from FET and 5 contextualised credits.


Xotsonga, Afrikaans, English, isiNdebele, isiXhosa, isiZulu, and sign

language.

15



8968

3 5


texts

8969

3 5

Compulsory Write texts for a range of communicative contexts

8970

3 5



5



8973 3 5


environment 9302

3 2

Communicate verbally with clients in a financial services environment 9303

3 3


16

Use mathematics to investigate and

monitor the financial aspects of personal, business, and national issues

9014

4

6

Measure, estimate and calculate physical quantities and explore, critique and prove geometrical relationships in two and three-dimensional space in the life and workplace of the adult with increasing responsibilities

12417

4

4



9015

4

6



10


10389 4

3


10385 4

5


risk in own lives 10387

4 6

Interpret basic financial statements 10388

4 3

Investigate the possibilities of establishing and running a small business

enterprise (SMME)

10386

4

3

Core Learning 48


10194

4

2


Explain reinsurance as it is applied in Short

Term insurance. 10362

4

3

Analyse the Financial Services Industry and the role of insurance in a business environment.

12168

4

9


insurance.

10363

4

10




10364

4

3



8997 3 3


9005 3 2



9006 3 3



8987 3 4


13940 4 4

Elective learning

Select unit standards relevant to a Short Term Insurance Personal Lines

Intermediary career path for a minimum of 26 Credits from the suggested list of

electives. (It is also suggested that additional unit standards be chosen to

ensure all relevant aspects of knowledge and skills are addressed).

26


value

Underwrite a standard risk in short term personal/domestic insurance.

10366 4 10

Manage risk in own work/business environment 13954 4 2

Demonstrate knowledge and understanding of personal/domestic insurance in South Africa

10369 4 3


contents and household buildings

10373 4 3


Describe transportation insurance 10365 4 2


13839 4 2


10379 4 5


14319 4 3


violence against public authorities in Namibia

10380 4 2



10381 4 2


12332 4 2



insurance.

10382 4 2


Act (FAIS) (Act37 of 2002)

12164 4 2


9004 3 2


8101 2 2

Recognise the effects of HIV/AIDS in the insurance industry and the workplace, and

indicate the precautions that are necessary to avoid unnecessary transmission of the HIV virus

9356 2 4

Describe funeral insurance 8995 3 2

Produce and use spreadsheets for business 7567 3 5

Produce presentation documents for business

7575 3 5

Produce word processing documents for business

7570 3 5

Demonstrate ability to use the world wide web

7573 2 3

Research the history of the Financial Services Industry in South Africa

8986 3 10



motor vehicle claim

10383 4 5

Apply technical knowledge and skill to determine the quantum and validity of an industrial or heavy motor vehicle claim

10384 4 5


Compensation for Occupational Injury and Diseases Act, 130 of 1993, as amended

(COIDA)

10378 4 3


Diseases Act 130 of 1993 (COIDA)

10377 4 2


14316 4 2



12335 4 3



12323 4 4

Demonstrate knowledge and understanding of domestic motor insurance

10368 4 3


Process a short term personal/domestic insurance claim

10370 4 3


10371 4 2

Describe financial interactions of insurers, underwriting managers and intermediaries in

short term insurance

10372 4 2

Demonstrate knowledge and understanding of Commercial and Industrial and Corporate

insurance in south Africa

10376 4 4

Underwrite a standard risk in short term commercial and industrial insurance

10367 4 10


retirement funds

12547 3 4


medical schemes

12550 3 4



12548 3 4

Identify possible ways of improving employment prospects

10713 3 3


value

Manage personal expenditure 10712 3 3


circumstances

10714 3 4

Elective unit standards at level 3 and 4 from insurance and financial services





job experience in a Short Term Insurance Personal Lines Intermediary

position in an organisation. This is assessed against the selected Elective unit standards and the exit outcomes and assessment criteria of the whole

qualification. See the table below. Also refer to motivation point 2.5 and 4.


Practical Time in the Workplace 410 hours

Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals. 335 Hours

Refer to section 2.5, pages 3 to 5 Mentored on the Job Training. Rules of available products are applied to different situations in order to perform a clearly defined work role in short term insurance. (The range includes underwriting a short term personal/domestic policy, processing a claim, giving financial advice, marketing a short term insurance product, administering an agreement, broker liaison, and operating in a financial services call centre environment).

Work output is in line with an agreed mandate, relevant service agreement and organisation’s customer service standards applicable to a clearly defined work role in short term insurance.

Methods, procedures and techniques of a clearly defined work role in short term insurance are applied consistently in terms of specific company policy, legislative requirements and standard industry practice.

The consequences of non-compliance are clearly indicated for practices required in a specific work role in short term insurance.

New developments and trends in the short term insurance industry are accessed, analysed and interpreted from reports in the media.

Knowledge of current developments in short term insurance are discussed with reference to the potential impact on short term insurance.

The structure of the short term insurance industry is analysed and an indication is given of the contribution of a specific work role to the short term insurance industry.

The short term market is described and an indication is given of the role short term underwriting in personal lines plays in a changing market

Information is gathered, analysed and presented according to the requirements of a work specific role in short term insurance.

A computerised database is used to access information from electronic media and to perform a specific function in short term insurance.










Credits earned 0 - 120 121 - 240 241 - 360 361 - 480


R 6 235.20


R 12 470.40

LEARNERSHIP TITLE: Risk Manager NQF Level 4






1.4 SETA’s telephone number: (011) 544 2000

1.5 SETA’s fax number: (011) 484-0862




2.1.1 Title of the Learnership: Risk Manager: NQF Level 4

Title of the Qualification: National Certificate in Risk Management






It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Risk Manager Learnership • offers an opportunity for Risk Managers to obtain a recognised


the industry Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular learnership may be made on the basis of

i. The learner’s own interest and selected career path

ii. The needs of the organisation as identified in the Workplace Skills Plan

iii. A need identified as part of a performance appraisal by a line manager.

iv. A need identified as part of an organisation’s strategy towards an identified goal.

Mentored on-job training Based on the whole qualification: National Certificate in Risk Management, NQF Level 4, registered on 8 October 2003 - ID 24396 The work experience programme based on selected Core and Elective unit standards should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Risk Manager. Assessment Criteria for mentored on the job experience: For 29% of the 63 Credits, which are in Core. Core unit standards: Qualifying learners should be capable of: • Co-ordinating with others. • Applying the essential methods, processes and techniques used in

Risk Management • Analysing current affairs and researching aspects of Risk

Management • Operating as an informed Risk Manager. • Gathering, analysing and presenting information. • Understanding legislation that regulates the management of risk at a

basic level of understanding. • Operating within clearly defined contexts within applicable legislation

with limited scope for decision-making and responsibility. • Interpreting information in order to evaluate and quantify risk.


• The risk management process is applied to a variety of situations in risk management.

• Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to a clearly defined work role in Risk Management.

• Methods, procedures and techniques of a clearly defined work role in Risk Management are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.

• The consequences of non-compliance are clearly indicated for practices required in a specific work role in Risk Management.

• Knowledge of current developments in a business sector are discussed with reference to the potential impact on Risk Management.

• Information is gathered, analysed and presented according to the requirements of a specific work role in Risk Management.

• A computerised database is used to access information from electronic media and to perform a specific function in Risk Management.

Elective unit standards: For 29 % of a minimum of 11 credits from a selection of unit standards relating to Risk Managers, FOR EXAMPLE from: 1 Apply technical knowledge and skill in order to manage risk in general

and products liabilities. 2 Describe the management of stock and fixed assets in a business

unit. 3 Apply technical knowledge and skill in emergency planning. 4 Apply technical knowledge and skill in order to manage risk in

business interruption. 5 Apply knowledge of fire exposure in order to manage the potential of

fire risk. 6 Apply technical knowledge and skill in order to manage risk in motor

vehicle loss control due to theft and hijacking. 7 Apply technical knowledge and skill in order to manage computer risk. 8 Manage risk in own work/business environment. 9 Apply technical knowledge and skill in order to manage risk in

engineering losses. 10 Apply technical knowledge and skill to manage motor vehicle risk.

Apply Technical knowledge and skill in order to manage security risk. 11 Demonstrate knowledge and understanding of all risks insurance. 12 Explain Contract Works insurance as a way of managing risk on a

construction site. 13 Explain fidelity insurance as a means of managing people related risk. 14 Apply technical knowledge and skill to value movable and immovable

assets for insurance and risk financing. 15 Describe the operational consequences of incidents and losses on an

entity. 16 Apply technical knowledge and skill to manage the risks involved in

the manufacture, use, handling and storage of dangerous and hazardous substances.

17 Apply knowledge of the Explosives Act, 26 of 1956 as amended as it impacts on risk management.

18 Apply knowledge of the Mines Health and Safety Act, 29 of 1996. 19 Apply the Mines and Works Act 27 of 1956 (as amended) as it

impacts on risk management to a specific operation. 20 Apply knowledge of environment legislation as it impacts on risk

management.

21 Explain the application of the National Buildings and Building Standards Act and Regulations, Act 103 of 1977 (as amended) as described in SAQS0400.

22 Demonstrate knowledge and insight of the Financial Advisory and Intermediaries Services Act (FAIS) (Act 37 of 2002).

23 Demonstrate knowledge and understanding of HIV/AIDS in a workplace and it’s effects on a business sub-sector, own organisation and a specific workplace.

24 Apply the principles of situational leadership to a business unit.


1 Practical formative, continuous assessment according to a checklist provided by the trainer for assessors against the assessment criteria for the selected unit standards.


2.6. Date of registration of the qualification on the NQF (if registered) and code

and number of the qualification:

Date: 8 October 2003 - ID 24396


NA






National Certificate in Risk Management

24396 4 140


Communication


15


8974 4 5


8975 4 5


8976 4 5




5


8979 4 5

Title Code NQF Level Creditvalue


12155

4

5

Apply comprehension skills to interrogate a verbal text in a business environment.

12154 4 5




personal, business, and national issues.

7468 4 6



9015 4 6




12417 4 4



10

Describe the basic principles of personal

income tax.

10389 4

3

Develop a business plan for a small business.

10385

4

5


own lives.

10387

4 6

Interpret basic financial statements.

10388

4 3

Investigate the possibilities of establishing and running a small business enterprise (SMME).

10386

4

3


value





isiXhosa, isiZulu, and sign language provided that




15

Compulsory:

Accommodate audience and context needs in oral communication

8968

3 5

Compulsory:

Interpret and use information from texts

8969

3 5

Compulsory: Write texts for a range of communicative

contexts

8970

3 5




5


8973 3 5


9302 3 2


9303 3 3

Core Learning 63


14995 4 4

Explain insurable risk 14994 4 2

Determine risk exposure in order to manage the

risk in a specific situation 15008 4 2

Explain the application of management

principles in the risk management function

14975 4 3

Analyse people related risks in an organisation

in order to control the risk 14999 4 3

Apply knowledge and understanding of South African Law that regulates risk management

15007 4 4

Apply the law of contract to insurance 14991 4 2


Describe issues of non compliance and or non activity that could result in civil or criminal liability

in terms of business law

14979 4 2

Demonstrate knowledge and insight into the Compensation of Occupational Injury and

Disease Act 130 of 1993 (COIDA)

10377 4 2


insurance in South Africa 9005 3 2

Apply technical knowledge and skill in order to manage risk in occupational health and

occupational hygiene

13950 4 8

Describe the management functions of an

organisation

13913 3 6

Explain and apply ethical conduct in a business

environment

13940 4 4

Demonstrate a basic understanding of the role of a business strategy in managing a small

business or business unit

13942 4 5

Explain and apply the Occupational Health and safety Act 85 of 1991 (OHSA) (as amended) and the responsibilities of management under the act

13951 4 4

Analyse new developments reported in the media that could impact on a business sector or

industry

13943 4 10


Elective Learning Select unit standards relevant to a Risk

Manager career path for a minimum of 11 Credits from the suggested list of

electives. (Please note the suggested compulsory unit standards). It is also

suggested that additional unit standards be chosen to ensure all relevant aspects

11

of knowledge and skills are addressed.

Underwrite a standard risk in short term

commercial and Industrial insurance 10367 4 10

Demonstrate knowledge and understanding of Commercial and industrial and corporate


10376 4 4

Demonstrate knowledge and insight of the Financial Advisory and Intermediaries Services


12164 4 2


12332 4 2

Demonstrate knowledge and skill in order to assess a fire or accident claim

14974 4 3


Short Term Insurance Act (no 53 of 1998) and the accompanying regulations

10194 4 2


value



10381 4 2

Explain the Financial Intelligence Centre Act, 38 of 2001 and the implications of the Act for client

relations

14506 4 3



10364 4 3


insurance

10382 4 2

Explain Contract Works insurance as a way of managing risk on a construction site

14981 4 4

Demonstrate knowledge and understanding of Engineering insurance

14984 4 5

Explain fidelity insurance as a means of managing people related risk

14987 4 3

Apply technical knowledge and skill in order to manage risk in general and products liability

14989 4 3

Apply technical knowledge and skill in order to manage risk in business interruption

14980 4 2

Apply knowledge of fire exposure in order to manage the potential of fire risk

14986 4 3

Apply technical knowledge and skill in order to manage risk in motor vehicle loss control due to

theft and hijacking

14997 4 3


value

Apply technical knowledge and skill in order to manage computer risk

14977 4 3

Apply technical knowledge and skill in order to manage risk in engineering losses

14985 4 8

Apply technical knowledge and skill to manage motor vehicle risk

15014 4 3

Apply technical knowledge and skill to value movable and immovable assets for insurance

and risk

15012 4 3

Apply technical knowledge and skill to manage the risk involved in the manufacture, use, handling and storage of dangerous and

hazardous substances

14988 4 3


13839 4 2



10380 4 2


Apply technical knowledge and skills in order to manage Security risk

15009 4 3

Apply technical knowledge and skills in order to manage Safety risk

15010 4 2

Describe the operational consequences of incidents and losses on an entity

14998 4 2


value


Compensation for Occupational Injuries and Diseases Act, 130 of 1993, as amended

(COIDA)

10378 4 3

Demonstrate basic understanding of the primary labour legislation that impacts on a

business unit

13952 4 5

Explain reinsurance as it is applied in short Term Insurance

10362 4 3

Analyse the Financial Services Industry and the role of Insurance in a business

environment

12168 4 9

Underwrite a standard risk in short term personal/domestic insurance

10366 4 10

Describe and apply the management of stock and fixed assets in a business unit

13945 4 2

Explain Credit Risk Insurance 14982 4 2

Underwrite a credit risk 15011 4 4


value

Process a claim in Credit risk Insurance 14978 4 4

Explain International Credit Risk Insurance 14990 4 4

Apply technical knowledge and skill in emergency planning

13939 4 3

Demonstrate knowledge and insight into the Income tax Act (58 of 1962) as amended as

it applies to insurance and investment products

14315 4 2

Demonstrate knowledge and understanding of environmental legislation as it impacts on

risk management.

14983 4 6

Demonstrate knowledge and understanding of the Explosives Act, 26 of 1956 as

amended as it impacts on risk management.

14992 4 3

Explain the application of the National Buildings and Building Standards Act and

Regulations, Act, 103 of 1977 (as amended) as described in SAQS0400.

15013 4 4


retirement funds.

10393 4 2

Apply f the Mines Health and Safety Act, 29 of 1996.

14993 4 4

Apply the Mines and Works Act, 27 of 1956 (as amended) as it impacts on risk

management to a specific operation.

14996 4 6

Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it applies to

insurance.

10392 4 2


value


12167 4 2


2003 (CISCA).

12166 4 2


14316 4 2



12335 4 3

Apply the principles of situational leadership to a business unit

13953 4 5

Demonstrate knowledge and understanding of HIV/AIDS in a workplace and it’s effects on a business sub-sector, own organisation and

specific workplace

13915 3 4


retirement funds.

12547 3 4


medical schemes.

12550 3 4



12548 3 4


10713 3 3



value


circumstances.

10714 3 4


7570 3 5



7575 3 5






job experience in a Risk Manager position in an organisation. This is

assessed against the Core and selected Elective unit standards and the Exit

Outcomes and assessment criteria of the whole qualification. See the table below. Also refer to motivation point 2.5 and 4

4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor.

Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours

Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 378 Hours Refer to section 2.5, pages3 to 5 mentored on the job training. The risk management process is applied to a variety of situations in risk management. Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to a clearly defined work role in risk management Methods, procedures and techniques of a clearly defined work role in risk management are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. The consequences of non-compliance are clearly indicated for practices required in a specific work role in risk management. Knowledge of current developments in a business sector are discussed with reference to the potential impact on risk management. Information is gathered, analysed and presented according to the requirements of a specific work role A computerised database is used to access information from electronic media and to perform a specific function in risk management. Electives: Practical application: 32 Hours Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate unit standard








Credits earned 0 - 120 121 - 240 241 - 360 361 - 480


R 6 235.20


R 12 470.40

LEARNERSHIP TITLE: Short Term Insurance Commercial and Industrial Claims Assessor

NQF Level 4







1.5 SETA’s fax number: (011) 484-0862




2.1 Title of the Learnership: Short Term Insurance Commercial and Industrial Claims Assessor: NQF Level 4







It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Short Term Insurance Commercial and Industrial Claims Assessor Learnership • offers an opportunity for Short Term Insurance Commercial and

Industrial Claims Assessors to obtain a recognised qualification where there was previously none


the industry





identified goal.

Mentored on-job training Based on the whole qualification: National Certificate in Risk Management, registered on 8 October 2003 - ID 24396 The work experience programme is based on Core and selected Elective unit standards including underwrite a standard risk in short term commercial and Industrial insurance and demonstrate knowledge and skill in order to assess a fire or accident claim and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a short term insurance commercial and industrial claims assessor. Note that the unit standards underwrite a standard risk in short term commercial and Industrial insurance and demonstrate knowledge and skill in order to assess a fire or accident claim are an integral part of the 410 hours of practical experience. Assessment Criteria for mentored on the job experience: For 29% of the 63 Credits, which are in Core. Core unit standards: Qualifying learners should be capable of:

• Co-ordinating with others. • Applying the essential methods, processes and techniques used

in Claims Assessing. • Analysing current affairs and researching aspects of Risk

Management for Claims Assessing. • Operating as an informed Claims Assessor. • Gathering, analysing and presenting information. • Understanding legislation that regulates the management of risk at

a basic level of understanding. • Operating within clearly defined contexts within applicable

legislation with limited scope for decision-making and responsibility.

• Interpreting information in order to evaluate and quantify risk for Claims Assessing.


• The claims assessing process is applied to a variety of situations. • Work output is in line with an agreed mandate, relevant service

agreements and an organisation’s customer service standards applicable to a clearly defined work role in claims assessing.

• Methods, procedures and techniques of a clearly defined work role in claims assessing are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.

• The consequences of non-compliance are clearly indicated for practices required in a specific work role in claims assessing.

• Knowledge of current developments in a business sector are discussed with reference to the potential impact on risk management and claims assessing.

• Information is gathered, analysed and presented according to the requirements of a specific work role in claims assessing.

• A computerised database is used to access information from electronic media and to perform a specific function in claims assessing.

Elective unit standards: For 29 % of a minimum of 11 credits from a selection of unit standards relating to Short Term Insurance Commercial and Industrial Claims Assessing, FOR EXAMPLE from: 1 Demonstrate knowledge and understanding of Commercial and

industrial and corporate insurance in South Africa. Recommended. 2 Underwrite a standard risk in short term commercial and Industrial

insurance. Recommended. 3 Demonstrate knowledge and skill in order to assess a fire or accident

claim. Recommended. 4 Demonstrate knowledge and insight into the Short Term Insurance

Act (no 53 of 1998) and the accompanying regulations. 5 Demonstrate knowledge and insight of the Financial Advisory and

Intermediaries Services Act (FAIS) (Act 37 of 2002). 6 Explain the Financial Intelligence Centre Act, 38 of 2001 and the

implications of the Act for client relations. 7 Demonstrate knowledge and insight into the Policyholder Protection

Legislation. 8 Describe financial interactions of insurers and intermediaries in short

term insurance 9 Explain reinsurance as it is applied in short Term Insurance 10 Analyse the financial Services Industry and the role of Insurance in a

business environment 11 Apply the principles of situational leadership to a business unit 12 Apply technical knowledge and skill in order to manage risk in general

and products liability

13 Apply technical knowledge and skill in order to manage risk in business interruption

14 Apply knowledge of fire exposure in order to manage the potential of fire risk

15 Apply technical knowledge and skill in order to manage risk in motor vehicle loss control due to theft and hijacking

16 Apply technical knowledge and skill in order to manage computer risk 17 Apply technical knowledge and skills in order to manage Security risk 18 Apply technical knowledge and skills in order to manage Safety risk 19 Apply technical knowledge and skill in order to manage risk in

engineering losses 20 Apply technical knowledge and skill to value movable and immovable

assets for insurance and risk 21 Describe the operational consequences of incidents and losses on an

entity 22 Apply technical knowledge and skill to manage the risk involved in the

manufacture, use, handling and storage of dangerous and hazardous substances


1 Practical formative, continuous assessment according to a checklist provided by the trainer for assessors against the assessment criteria for the selected unit standards including underwrite a standard risk in short term commercial and Industrial insurance and demonstrate knowledge and skill in order to assess a fire or accident claim.





NA







24396 4 140


Communication


15


8974 4 5


8975 4 5


8976 4 5




5


8979 4 5



12155

4

5


12154 4 5





7468 4 6



9015 4 6




12417 4 4



10


10389 4 3

Develop a business plan for a small business.

10385

4

5


own lives

10387 4 6


10388 4 3

Investigate the possibilities of establishing and running a small business enterprise (SMME).

10386 4 3


value









15

Compulsory: Accommodate audience and context needs

in oral communication

8968 3 5

Compulsory: Interpret and use information from texts

8969

3 5


contexts

8970

3 5




5


8973 3 5


9302 3 2


9303 3 3

Core Learning 63


14995 4 4






14975 4 3




15007 4 4



value



14979 4 2



10377 4 2





13950 4

8


organisation

13913 3 6


environment

13940 4 4



13942

4

5

Explain and apply the Occupational Health and safety Act 85 of 1991 (OHSA) (as amended) and the responsibilities of management under the act

13951

4

4

Analyse new developments reported in the media that could impact on a business sector or

industry

13943

4

10


Elective Learning Select unit standards relevant to a Short Term Insurance Commercial and Industrial Claims Assessor career path for a minimum of 11 Credits from the suggested list of electives. (Please note the suggested compulsory unit

standards). It is also suggested that additional unit standards be chosen to

ensure all relevant aspects of knowledge and skills are addressed.

11




14974 4 3



10376 4 4


Short Term Insurance Act (no 53 of 1998) and the accompanying regulations

10194 4 2


the Value Added Tax Act, 89 of 1991 as amended as it applies to insurance policies.

10381 4 2



12164 4 2


value


12332 4 2


relations

14506 4 3



10364 4

3


insurance

10382 4 2


14981 4 4


14984 4 5


14987 4 3


14989 4 3


14980 4 2


14986 4 3


theft and hijacking

14997 4 3


value


14977 4 3


14985 4 8


15014 4 3


and risk

15012 4 3



14988 4 3


13839 4 2



10380 4 2



15009 4 3


15010 4 2


14998 4 2


value



(COIDA)

10378 4 3


business unit

13952 4 5


10362 4 3


environment

12168 4 9


10366 4 10


13945 4 2




value




13939 4 3



14315 4 2


risk management.

14983 4 6



14992 4 3



15013 4 4


retirement funds.

10393 4 2


14993 4 4



14996 4 6


insurance.

10392 4 2


value


12167 4 2


2003 (CISCA).

12166 4 2


14316 4 2



12335 4 3


13953 4 5


specific workplace

13915 3 4


retirement funds.

12547 3 4


medical schemes.

12550 3 4



12548 3 4


10713 3 3



value


circumstances.

10714 3 4


7570 3 5



7575 3 5






job experience in a Short Term Insurance Commercial and Industrial

Claims Assessor position in an organisation. This is assessed against

the Core and selected Elective unit standards and the Exit Outcomes and

assessment criteria of the whole qualification. See the table below. Also

refer to motivation point 2.5 and 4

4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor.

Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours

Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals. 378 Hours Refer to section 2.5, pages3 to 5 mentored on the job training. The claims assessing process is applied to a variety of situations. Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to a clearly defined work role in claims assessing. Methods, procedures and techniques of a clearly defined work role in claims assessing are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. The consequences of non-compliance are clearly indicated for practices required in a specific work role in claims assessing. Knowledge of current developments in a business sector are discussed with reference to the potential impact on risk management and claims assessing. Information is gathered, analysed and presented according to the requirements of a specific work role in claims assessing. A computerised database is used to access information from electronic media and to perform a specific function in claims assessing. Electives: Practical application. 32 Hours Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate unit standard








Credits earned 0 - 120 121 - 240 241 - 360 361 - 480


R 6 235.20


R 12 470.40

LEARNERSHIP TITLE: Intermediary: Short Term Insurance Commercial Lines

NQF Level 4







1.5 SETA’s fax number: (011) 484-0862




2.1.1 Title of the Learnership: Intermediary: Short Term Insurance Commercial Lines: NQF Level 4







It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Intermediary: Short Term Insurance Commercial Lines Learnership • offers an opportunity for Short Term Insurance Commercial Lines

Intermediaries to obtain a recognised qualification where there was previously none


the industry





identified goal.

Mentored on-job training Based on the whole qualification: National Certificate in Risk Management, NQF Level 4, registered on 8 October 2003 - ID 24396 The work experience programme is based on Core and selected Elective unit standards including underwrite a standard risk in short term commercial and Industrial insurance and should total 410 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as a Short Term Insurance Commercial Lines Intermediary. Note that the unit standard underwrite a standard risk in short term commercial and Industrial insurance is an integral part of the 410 hours of practical experience. Assessment Criteria for mentored on the job experience: For 29% of the 63 Credits, which are in Core. Core unit standards: Qualifying learners should be capable of: • Co-ordinating with others. • Applying the essential methods, processes and techniques used in

Risk Management. • Analysing current affairs and researching aspects of Risk

Management. • Operating as informed risk managers when working as Short Term

Commercial Lines Intermediaries. • Gathering, analysing and presenting information. • Understanding legislation that regulates the management of risk at a

basic level of understanding. • Operating within clearly defined contexts within applicable legislation

with limited scope for decision-making and responsibility. • Interpreting information in order to evaluate and quantify risk.

Associated Assessment Criteria: • The risk management process is applied to a variety of situations. • Work output is in line with an agreed mandate, relevant service

agreements and an organisation’s customer service standards applicable to a clearly defined work role.

• Methods, procedures and techniques of a clearly defined work role for short term insurance commercial lines intermediaries are applied consistently in terms of specific company policy, legislative requirements and standard industry practices.

• The consequences of non-compliance are clearly indicated for practices required in a specific work role.

• Knowledge of current developments in a business sector are discussed with reference to the potential impact on risk management and short term insurance commercial lines intermediaries.

• Information is gathered, analysed and presented according to the requirements of a specific work role

• A computerised database is used to access information from electronic media and to perform a specific function.

Elective unit standards: For 29 % of a minimum of 11 credits from a selection of unit standards relating to Short Term Insurance Commercial Lines Intermediaries, FOR EXAMPLE from: 1 Demonstrate knowledge and understanding of Commercial and

industrial and corporate insurance in South Africa. Recommended. 2 Underwrite a standard risk in short term commercial and Industrial

insurance. Recommended. 3 Demonstrate knowledge and skill in order to assess a fire or accident

claim. 4 Demonstrate knowledge and insight into the Short Term Insurance

Act (no 53 of 1998) and the accompanying regulations. 5 Demonstrate knowledge and insight of the Financial Advisory and

Intermediaries Services Act (FAIS) (Act 37 of 2002). Recommended 6 Explain the Financial Intelligence Centre Act, 38 of 2001 and the

implications of the Act for client relations. 7 Demonstrate knowledge and insight into the Policyholder Protection

Legislation. Recommended. 8 Describe financial interactions of insurers and intermediaries in short

term insurance 9 Explain reinsurance as it is applied in short Term Insurance 10 Analyse the financial Services Industry and the role of Insurance in a

business environment 11 Apply the principles of situational leadership to a business unit 12 Apply technical knowledge and skill in order to manage risk in general

and products liability 13 Apply technical knowledge and skill in order to manage risk in

business interruption 14 Apply knowledge of fire exposure in order to manage the potential of

fire risk 15 Apply technical knowledge and skill in order to manage risk in motor

vehicle loss control due to theft and hijacking 16 Apply technical knowledge and skill in order to manage computer risk

17 Apply technical knowledge and skills in order to manage Security risk 18 Apply technical knowledge and skills in order to manage Safety risk 19 Apply technical knowledge and skill in order to manage risk in

engineering losses 20 Apply technical knowledge and skill to value movable and immovable

assets for insurance and risk 21 Describe the operational consequences of incidents and losses on an

entity 22 Apply technical knowledge and skill to manage the risk involved in the

manufacture, use, handling and storage of dangerous and hazardous substances


1 Practical formative, continuous assessment according to a checklist provided by the trainer for assessors against the assessment criteria for the selected unit standards including underwrite a standard risk in short term commercial and Industrial insurance.





NA







24396 4 140


Communication


15


8974 4 5


8975 4 5


8976 4 5




5


8979 4 5



12155

4 5


12154 4 5


required in business environment.

12153 4 5




7468 4 6



9015 4 6




12417 4 4



10


10389 4 3

Develop a business plan for a small

business.

10385

4 5


in own lives

10387 4 6


10388 4 3


(SMME).

10386

4

3







•1 The language has not been offered under fundamental •2 Only one language from the Nguni group may be offered as either elective or fundamental

•3 Only one language from the Sotho group may be offered as either elective or

fundamental

15

Compulsory:

Accommodate audience and context needs in oral communication

8968 3 5

Compulsory:

Interpret and use information from texts

8969 3 5


contexts

8970 3 5


valu



5


8973 3 5


9302 3 2


9303 3 3

Core Learning 63


14995 4 4






14975 4 3




15007 4 4





14979 4 2



10377 4 2





13950

4 8


organisation

13913 3 6


environment

13940 4 4



13942

4 5

Explain and apply the Occupational Health and safety Act 85 of 1991 (OHSA) (as amended) and

the responsibilities of management under the act.

13951

4 4


media that could impact on a business sector or industry

13943 4 10


valu

Elective Learning Select unit standards relevant to a Short Term

Insurance Commercial Lines Intermediary career path for a minimum of 11 Credits from the suggested list of electives. (Please note the suggested compulsory unit standards). It

is also suggested that additional unit standards be chosen to ensure all relevant

aspects of knowledge and skills are addressed.

11





10376 4 4



12164 4 2


12332 4 2


14974 4 3

Demonstrate knowledge and insight into the Short Term Insurance Act (no 53 of 1998) and

the accompanying regulations

10194

4 2


valu



10381 4 2


relations

14506 4 3



10364 4 3


insurance

10382 4 2


14981 4 4


14984 4 5


14987 4 3


14989 4 3


14980 4 2


14986 4 3


theft and hijacking

14997 4 3


valu


14977 4 3


14985 4 8


15014 4 3


and risk

15012 4 3



14988 4 3


13839 4 2



10380 4 2



15009 4 3


15010 4 2


14998 4 2


valu



(COIDA)

10378 4 3


business unit

13952 4 5


10362 4 3


environment

12168 4 9


10366 4 10


13945 4 2






13939 4 3


valu



14315 4 2


risk management.

14983 4 6



14992 4 3



15013 4 4


retirement funds.

10393 4 2


14993 4 4



14996 4 6


insurance.

10392 4 2


12167 4 2


2003 (CISCA).

12166 4 2


14316 4 2


valu



12335 4 3


13953 4 5


specific workplace

13915 3 4


retirement funds.

12547 3 4


medical schemes.

12550 3 4



12548 3 4


10713 3 3



circumstances.

10714 3 4


7570 3 5



valu


7575 3 5







job experience in a Short Term Insurance Commercial Lines

Intermediary position in an organisation. This is assessed against the Core and

selected Elective unit standards and the Exit Outcomes and assessment criteria of the whole qualification. See the table below. Also refer to motivation point 2.5

and 4

4. The Practical Component Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace 410 hours

Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 378 Hours Refer to section 2.5, pages3 to 5 mentored on the job training. The risk management process is applied to a variety of situations. Work output is in line with an agreed mandate, relevant service agreements and an organisation’s customer service standards applicable to a clearly defined work role. Methods, procedures and techniques of a clearly defined work role for short term insurance commercial lines intermediaries are applied consistently in terms of specific company policy, legislative requirements and standard industry practices. The consequences of non-compliance are clearly indicated for practices required in a specific work role. Knowledge of current developments in a business sector are discussed with reference to the potential impact on risk management and short term insurance commercial lines intermediaries. Information is gathered, analysed and presented according to the requirements of a specific work role. A computerised database is used to access information from electronic media and to perform a specific function. Electives: Practical application: 32 Hours Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate unit standard








Credits earned 0 - 120 121 - 240 241 - 360 361 - 480


R 6 235.20


R 12 470.40

Intermediary: Long Term Insurance Category C 14 February 05 L0024 1

LEARNERSHIP TITLE: Intermediary: Long Term Insurance Category C

NQF Level 5




1.3 Name of SETA official responsible for Learnerships: Mr Saber Patel


1.5 SETA’s fax number: (011) 484-0862

1.6 SETA’s postal address: P.O. Box 32035, Braamfontein, 2017


Page 2 of 11



2.1 Title of the Learnership: Intermediary: Long Term Insurance Category C

Title of the Qualification: National Certificate: Financial Services: Wealth Management



2.4 NQF level: 5

2.5 Number of credits to be earned: 120 Credits



It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Intermediary: Long Term Insurance Category C Learnership: offers an opportunity for Long Term Insurance Category C Intermediaries to

obtain a recognised qualification where there was previously none offers opportunities for multi-skilling provides access for learners who could not otherwise be employed in the

industry

Electives should be relevant to both the learner and organisation so the choice of the unit standards for this particular Learnership may be made on the basis of

I. The learner’s own interest and selected career path II. The needs of the organisation as identified in the Workplace Skills Plan

Page 3 of 11


III. A need identified as part of a performance appraisal by a line manager IV. A need identified as part of an organisation’s strategy towards an identified

goal.

Mentored on-job training Based on the whole qualification: National Certificate in Financial Services: Wealth Management NQF Level 5, registered on 13 August 2003 – ID 23973 The work experience programme based on selected core and elective unit standards should total 350 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as an Intermediary: Long Term Insurance Category C. Assessment Criteria for mentored on the job experience. For 29% of the 62 Credits, which are in Core.

Qualifying learners should be capable of: Understanding the Wealth Management operating environment as a system

within the Financial Services sector. Appling essential methods, procedures and techniques of the Financial Services

industry within the legislated environment. Using their knowledge to solve well-defined problems that are both routine in

nature and/or unfamiliar, within a familiar context in order to propose a financial solution.

Adjusting the application of a solution within relevant parameters to meet the identified needs of, or changes to, the problem or operating context when proposing a financial solution.

Evaluating the proposed change using relevant evidence. Gathering, analysing, synthesising and evaluating information. Manipulating and interpreting financial data and identifying trends. Presenting a Wealth Management solution using technological skills. Communicating information coherently in writing and verbally, through reliably

using the basic conventions of a financial discourse. Presenting an informed argument on a current financial issue. Showing insight into current affairs in the Financial Services sector.

Assessment Criteria for Exit Outcomes Proposed financial solutions are in line with licensing requirements, an agreed

mandate, relevant service agreements and an organisation’s customer service policy.

The Wealth Management operating environment is explained as a system within the Financial Services sector and an indication is given of current issues and changes in the sector.

Essential methods, procedures and techniques of the Financial Services industry are applied within the legislated environment in order to propose a financial solution.

Well-defined problems both routine and unfamiliar within a familiar context are solved in order to propose a financial solution and where necessary applications of a solution are adjusted within relevant parameters to meet the identified needs or changes in the problem or operating context.

Proposed changes in a portfolio are evaluated using relevant evidence.

Page 4 of 11


Information is gathered, analysed, synthesised and evaluated in order to present an argument on a current financial issue.

Financial data is manipulated and interpreted to identify trends. A Wealth Management solution is presented using technological skills. Information is communicated coherently using basic conventions of a financial

discourse reliably in writing and verbally. Elective unit standards: For 29 % of a minimum of 17 credits from a selection of unit standards relating to Long Term Insurance Category C Intermediaries, FOR EXAMPLE from:

Adapt and communicate a potential financial solution to a range of audiences. Apply technical knowledge and insight into property as an investment Apply technical knowledge and insight into the sales and marketing of

participatory interest in collective investment schemes. Discuss and apply knowledge and understanding of current trends in portfolio

management in response to the changing nature of the Financial Services environment and the needs of investors.

Describe the life cycle of a unit trust. Demonstrate knowledge and insight into the Collective Investment Schemes

Act, 45 of 2003 (CISCA). Demonstrate knowledge and insight into the Income Tax Act (58 of 1962) as

amended as it applies to insurance and investment products. Demonstrate knowledge and insight into the Long Term Insurance Act (1998). Demonstrate knowledge and insight into Capital Gains Tax legislation. Demonstrate knowledge and insight into the Medical Schemes Act (131 of

1998) and the accompanying regulations. Demonstrate knowledge and understanding of the Value Added Tax Act, 89

of 1991 as amended as it applies to insurance policies. Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as

it applies to insurance. Demonstrate knowledge and understanding of the Primary legislation that

impacts on retirement funds. Demonstrate knowledge and insight into legislation relating to marriage,

divorce and maintenance as it applies to group retirement and insurance benefits.


ID 23973 – Registered on 13 August 2003


N/A


INSQA – Insurance Sector Assurer



Title Code NQF Level Credit value Percentage of assessment at: Workplace Training Provider Provider



23973

5

120



41

Present an informed argument on a current issue in a business sector

14525 5 5 71% 29%

Demonstrate knowledge and insight into the changing nature of the financial services industry and its consumers

14518 5 6 71% 29%

Describe the financial lifecycle of an individual 14523 5 10 71% 29%

Demonstrate knowledge and understanding of risk in a financial services environment

12185 5 5 71% 29%

Apply basic economic principles to the financial services sector

14517 5 5 71% 29%

Demonstrate knowledge and insight into current affairs in the financial services

14529 5 10 71% 29%

Page 6 of 11



Core Learning

62

Determine the needs and wants of an entity at risk in order to propose an appropriate financial solution.

14519 5 4 71% 29%

Research information in order to assist in conducting a financial risk assessment

14526 5 7 71% 29%

Research the incidence, quantity and severity of an occurrence in order to uncover a trend and anticipate a financial risk

14527 5 7 71% 29%

Explain the Finance Intelligence Centre Act, Act 38 of 2001 and the implications of the Act for client relations.

14506 4 3 71% 29%

Analyse the impact of one’s personal interactive style on one’s relationship with a client

14522 5 6 71% 29%

Apply a researched trend to individual financial risk

14509 5 5 71% 29%

Differentiate between the different asset classes and indicate how they can be used to meet customer needs

14535 5 4 71% 29%

Apply technical knowledge and insight into the management of collective investment scheme portfolios.

14511 5 3 71% 29%

Explain how offshore legislation differs from South African legislation and the implications this has for South African investments

14520 5 6 71% 29%

Present a proposal to optimise the tax aspects of the wealth management of an entity

14521 5 4 71% 29%

Page 7 of 11



Apply scenario planning to explain potential risk in a specified financial services context

14530 5 6 71% 29%

Apply knowledge and skill to explain the application of structured long term insurance portfolios

14531 5 3 71% 29%

Apply technical knowledge and skill to explain how collective investment scheme portfolios are classified and the implications of the classification system for the investor.

14533 5 2 71% 29%

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

12164 4 2 71% 29%

Elective Learning

Select unit standards relevant to a Long Term Insurance Category C Intermediary career path for a

minimum of 17 Credits from the suggested list of electives. (It is also suggested that additional unit

standards be chosen to ensure all relevant aspects of knowledge and skills are addressed).

17

Adapt and communicate a potential financial solution to a range of audiences.

14514 5 3 71% 29%

Demonstrate knowledge and insight into property as an investment

14524 5 3 71% 29%

Apply technical knowledge and insight into the sales and marketing of participatory interest in collective investment schemes

14528 5 4 71% 29%

Page 8 of 11



Discuss and apply knowledge and understanding of current trends in portfolio management in response to the changing nature of the Financial Services environment and the needs of investors

14532 5 4 71% 29%

Describe the life cycle of a unit trust 14516 5 6 71% 29%

Demonstrate knowledge and insight into the Collective Investment Schemes Act, 45 of 2003 (CISCA).

12166 4 2 71% 29%

Demonstrate knowledge and insight into the Income Tax Act (58 of 1962) as amended as it applies to insurance and investment products.

14315 4 3 71% 29%


14316 4 2 71% 29%

Demonstrate knowledge and insight into Capital Gains Tax legislation.

12167 4 2 71% 29%

Demonstrate knowledge and insight into the Medical Schemes Act (131 of 1998) and the accompanying regulations

12335 4 3 71% 29%


10381 4 2 71% 29%

Page 9 of 11



Demonstrate knowledge and insight into the Estate Duties Act (45 of 1955) as it applies to insurance.

10392 4 2 71% 29%

Demonstrate knowledge and understanding of the Primary legislation that impacts on retirement funds.

10391 4 2 71% 29%

Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to group retirement and insurance benefits

10712 4 2 71% 29%

Elective unit standards at levels 5 from insurance and financial services related fields may be included in order to ensure relevance. The

qualification requirements must be met before additional unit standards from other relevant


The qualification requires an integrated summative

assessment based on 350 hours of practical mentored on the job experience in a Long Term Insurance Category C Intermediary position in an

organisation. This is assessed against the selected Elective unit standards and the exit outcomes and

assessment criteria of the whole qualification. Refer to motivation Points 2.5 and 4


4. The Practical Component

Please note: The practical component in this Learnership will be assessed as continuous, formative assessment on the job by the line manager/mentor. Where appropriate practical application will be included in structured learning but is not counted as part of the credit split to allow for maximum flexibility in the selection of work appropriate electives. Nature of work experience/practice work required for the Learnership. The following assessment criteria will be used to assess the workplace component. Practical Time in the Workplace: 350 hours Assessment Criteria based on Core unit standards for Qualification Exit Outcomes and on Fundamentals: 300 Hours Refer to section 2.5 pages 3 to 4 Mentored on the job training Proposed financial solutions are in line with licensing requirements, an agreed mandate, relevant service agreements and an organisation’s customer service policy. The Wealth Management operating environment is explained as a system within the Financial Services sector and an indication is given of current issues and changes in the sector. Essential methods, procedures and techniques of the Financial Services industry are applied within the legislated environment in order to propose a financial solution. Well-defined problems both routine and unfamiliar within a familiar context are solved in order to propose a financial solution and where necessary applications of a solution are adjusted within relevant parameters to meet the identified needs or changes in the problem or operating context. Proposed changes in a portfolio are evaluated using relevant evidence. Information is gathered, analysed, synthesised and evaluated in order to present an argument on a current financial issue. Financial data is manipulated and interpreted to identify trends. A Wealth Management solution is presented using technological skills. Information is communicated coherently using basic conventions of a financial discourse reliably in writing and verbally.

Formatted: Bullets and Numbering

Page 11 of 11


Electives: Practical application 50 Hours Assessment according to a checklist provided by the trainer and customised for the organisation against the assessment criteria in the appropriate selected unit standard






Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 13 509.60

Intermediary: Retail Pension Benefit 14 February 05 L0025 1

LEARNERSHIP TITLE: Intermediary: Retail Pension Benefits

NQF Level 5






1.5 SETA’s fax number: (011) 484-0862



Page 2 of 11

Intermediary: Retail Pension Benefits 14 February 05 L0025 2


2.1 Title of the Learnership: Intermediary: Retail Pension Benefits




2.4 NQF level: 5




It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Intermediary: Retail Pension Benefits Learnership: offers an opportunity for Retail Pension Benefits Intermediaries to obtain a

recognised qualification where there was previously none offers opportunities for multi-skilling provides access for learners who could not otherwise be employed in the

industry



Page 3 of 11



goal.

Mentored on-job training Based on the whole qualification: National Certificate in Financial Services: Wealth Management NQF Level 5, registered on 13 August 2003 – ID 23973 The work experience programme based on selected core and elective unit standards should total 350 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as an Intermediary: Retail Pension Benefits. Assessment Criteria for mentored on the job experience. For 29% of the 62 Credits, which are in Core.














Page 4 of 11




discourse reliably in writing and verbally. Elective unit standards: For 29 Retail Pension Benefits Intermediaries, FOR EXAMPLE from:















N/A








23973

5

120



41


14525 5 5 71% 29%


14518 5 6 71% 29%



12185 5 5 71% 29%


14517 5 5 71% 29%


14529 5 10 71% 29%

Page 6 of 11



Core Learning

62


14519 5 4 71% 29%


14526 5 7 71% 29%


14527 5 7 71% 29%


14506 4 3 71% 29%


14522 5 6 71% 29%


14509 5 5 71% 29%


14535 5 4 71% 29%


14511 5 3 71% 29%


14520 5 6 71% 29%


14521 5 4 71% 29%

Page 7 of 11




14530 5 6 71% 29%


14531 5 3 71% 29%


14533 5 2 71% 29%


12164 4 2 71% 29%

Elective Learning

Select unit standards relevant to a Retail Pension Benefits Intermediary career path for a minimum of 17 Credits from the suggested list of electives. (It is

also suggested that additional unit standards be chosen to ensure all relevant aspects of knowledge

and skills are addressed).

17


14514 5 3 71% 29%


14524 5 3 71% 29%


14528 5 4 71% 29%

Page 8 of 11




14532 5 4 71% 29%



12166 4 2 71% 29%


14315 4 3 71% 29%


14316 4 2 71% 29%


12167 4 2 71% 29%


12335 4 3 71% 29%


10381 4 2 71% 29%

Page 9 of 11




10392 4 2 71% 29%


10391 4 2 71% 29%


10712 4 2 71% 29%

Elective unit standards at level 5 from insurance and financial services related fields may be

included in order to ensure relevance. The qualification requirements must be met before additional unit standards from other

relevant qualifications are chosen.


assessment based on 350 hours of practical mentored on the job experience in a Retail Pension Benefits Intermediary position in an

organisation. This is assessed against the selected Elective unit standards and the exit outcomes and






Page 11 of 11








Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 13 509.60

Intermediary: Collective Investments 14 February 05 L0026 1

LEARNERSHIP TITLE: Intermediary: Collective Investments

NQF Level 5






1.5 SETA’s fax number: (011) 484-0862



Page 2 of 11



2.1 Title of the Learnership: Intermediary: Collective Investments




2.4 NQF level: 5




It is our intention to allow providers, maximum flexibility and application across all areas of the industry. The Intermediary: Collective Investments Learnership: offers an opportunity for Collective Investment Intermediaries to obtain a

recognised qualification where there was previously none offers opportunities for multi-skilling provides access for learners who could not otherwise be employed in the

industry



Page 3 of 11



goal.

Mentored on-job training Based on the whole qualification: National Certificate in Financial Services: Wealth Management NQF Level 5, registered on 13 August 2003 – ID 23973 The work experience programme based on selected core and elective unit standards should total 350 hours. It should assess the application of knowledge from the structured learning components in the learner’s own work situation as an Intermediary: Collective Investments. Assessment Criteria for mentored on the job experience. For 29% of the 62 Credits, which are in Core.














Page 4 of 11




discourse reliably in writing and verbally. Elective unit standards: For 29 % of a minimum of 17 credits from a selection of unit standards relating to Collective Investment Intermediaries, FOR EXAMPLE from:















N/A








23973

5

120



41


14525 5 5 71% 29%


14518 5 6 71% 29%



12185 5 5 71% 29%


14517 5 5 71% 29%


14529 5 10 71% 29%

Page 6 of 11



Core Learning

62


14519 5 4 71% 29%


14526 5 7 71% 29%


14527 5 7 71% 29%


14506 4 3 71% 29%


14522 5 6 71% 29%


14509 5 5 71% 29%


14535 5 4 71% 29%


14511 5 3 71% 29%


14520 5 6 71% 29%


14521 5 4 71% 29%

Page 7 of 11




14530 5 6 71% 29%


14531 5 3 71% 29%


14533 5 2 71% 29%


12164 4 2 71% 29%

Elective Learning

Select unit standards relevant to a Collective Investment Intermediary career path for a minimum of 17 Credits from the suggested list of electives. (It is also suggested that additional unit standards be chosen to ensure all relevant aspects of knowledge

and skills are addressed).

17


14514 5 3 71% 29%


14524 5 3 71% 29%


14528 5 4 71% 29%

Page 8 of 11




14532 5 4 71% 29%



12166 4 2 71% 29%


14315 4 3 71% 29%


14316 4 2 71% 29%


12167 4 2 71% 29%


12335 4 3 71% 29%


10381 4 2 71% 29%

Page 9 of 11




10392 4 2 71% 29%


10391 4 2 71% 29%


10712 4 2 71% 29%





assessment based on 350 hours of practical mentored on the job experience in a Collective

Investment Intermediary position in an organisation. This is assessed against the selected Elective unit standards and the exit outcomes and






Page 11 of 11








Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 13 509.60

Page 8 of 11




14532 5 4 71% 29%



12166 4 2 71% 29%


14315 4 3 71% 29%


14316 4 2 71% 29%


12167 4 2 71% 29%


12335 4 3 71% 29%


10381 4 2 71% 29%

Page 9 of 11




10392 4 2 71% 29%


10391 4 2 71% 29%


10712 4 2 71% 29%





assessment based on 350 hours of practical mentored on the job experience in a Collective

Investment Intermediary position in an organisation. This is assessed against the selected Elective unit standards and the exit outcomes and






Page 11 of 11








Credits earned 0 - 120 121 - 240 241 - 360 361 - 480



R 6 235.20



R 13 509.60