| FSCA Product Category | Short Description | Products & Services Offerings to clients | Typical Clients |
| Long-Term Insurance Subcategory A | Assistance business policies providing limited life cover, funeral benefits and related benefits. | Funeral plans, group funeral schemes, burial society solutions, employee funeral benefits. | Individuals, low- to middle-income families, churches, burial societies, employers, trade unions and community organisations. |
| Short-Term Insurance Personal Lines | Insurance covering personal assets and liabilities of individuals. | Motor insurance, household contents, buildings insurance, all-risk cover, personal liability, travel insurance. | Homeowners, vehicle owners, professionals, families, retirees and high-net-worth individuals. |
| Long-Term Insurance Subcategory B1 | Individual life insurance and risk products. | Life cover, disability cover, severe illness cover, income protection, education plans. | Professionals, business owners, young families, homeowners, high-income earners and individuals with financial dependants. |
| Long-Term Insurance Subcategory C | Investment-linked long-term insurance products. | Endowments, investment plans, retirement annuities (where issued under insurance), wealth accumulation products. | Professionals, investors, business owners, retirees, trusts and high-net-worth individuals. |
| Retail Pension Benefits | Pension products marketed directly to individuals. | Retirement annuities, preservation funds, retirement planning, retirement income planning. | Employees, self-employed individuals, professionals, executives and business owners planning for retirement. |
| Short-Term Insurance Commercial Lines | Insurance covering business risks. | Business insurance, fleet insurance, professional indemnity, public liability, engineering insurance, cyber insurance. | SMEs, large businesses, manufacturers, contractors, retailers, professional practices, transport companies and property owners. |
| Pension Funds Benefits | Advice relating to occupational pension and provident funds. | Employee benefit consulting, pension transfers, retirement planning, benefit counselling. | Employers, pension fund members, HR departments, labour organisations and corporate executives. |
| Shares | Listed and approved equity securities. | Share investment advice, portfolio construction, wealth management, equity investment strategies. | Experienced investors, professionals, business owners, retirees, trusts, companies and affluent individuals. |
| Money Market Instruments | Short-term cash investment instruments. | Cash management, treasury solutions, money market investments. | Businesses, trusts, municipalities, charities, investors and individuals seeking capital preservation. |
| Debentures and Securitised Debt | Debt securities issued by companies or institutions. | Fixed-income investments, corporate debt portfolios, structured debt solutions. | Conservative investors, retirement funds, trusts, companies and institutional investors. |
| Bonds | Government and corporate bonds. | Bond investment advice, income portfolios, retirement income planning. | Retirees, conservative investors, trusts, pension funds and income-focused investors. |
| Participatory Interests in a Collective Investment Scheme | Unit trusts and mutual funds. | Unit trust investments, discretionary portfolios, tax-efficient investment portfolios. | First-time investors, professionals, retirees, families, trusts and long-term wealth builders. |
| Long-Term Deposits | Fixed-term investment deposits. | Fixed deposits, notice deposits, capital preservation investments. | Pensioners, conservative investors, businesses, trusts, non-profit organisations and cash-rich individuals. |
| Short-Term Deposits | Call accounts and short-term deposit investments. | Business cash management, personal savings strategies. | Businesses, professionals, property investors, estates and individuals requiring liquidity. |
| Friendly Society Benefits | Benefits provided by registered friendly societies. | Funeral benefits, savings plans, member benefit schemes. | Churches, community organisations, burial societies, stokvels and lower-income households. |
| Long-Term Insurance Subcategory B2 | Group life and employee benefit insurance. | Group life cover, disability benefits, employee benefits, key person insurance. | Employers, SMEs, corporations, labour organisations, schools, municipalities and non-profit organisations. |
| Long-Term Insurance Subcategory B2-A | Group investment-related insurance products. | Group retirement investments, employee investment solutions. | Medium and large employers, pension funds, employee benefit consultants and corporate groups. |
| Long-Term Insurance Subcategory B1-A | Individual investment products with insurance features. | Investment-linked life products, estate planning investments. | Affluent individuals, professionals, executives, business owners and estate planning clients. |
| Short-Term Insurance Personal Lines A1 | Accident and health insurance products. | Personal accident cover, hospital plans, accident disability cover. | Employees, self-employed individuals, sports participants, students, families and professionals. |
| Structured Deposits | Bank investment products linked to market performance. | Capital-protected investments, structured notes, guaranteed investments. | Conservative investors, retirees, trusts, companies and high-net-worth individuals seeking capital protection. |
| Securities and Instruments | Various listed financial instruments regulated under financial markets legislation. | Investment advisory services, portfolio construction, structured investment strategies. | Sophisticated investors, professionals, family offices, trusts, companies and high-net-worth individuals. |
| Participatory Interest in a Hedge Fund | Investments in regulated hedge funds. | Alternative investments, sophisticated portfolio diversification, wealth management. | High-net-worth individuals, sophisticated investors, family offices, trusts and corporate investors. |
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