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		<title>Oak Tree Intermediaries (PTY) LTD</title>
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			<guid><![CDATA[https://oaktree.co.za/2025/09/09/floods-in-south-africa-reinsurance-lessons-for-a-changing-climate/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2025/09/09/floods-in-south-africa-reinsurance-lessons-for-a-changing-climate/]]></link>
			<title>Floods in South Africa: Reinsurance Lessons for a Changing Climate</title>
			<pubDate><![CDATA[Wed, 21 Jan 2026 15:59:09 +0000]]></pubDate>
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			<guid><![CDATA[https://oaktree.co.za/ufaq/what-information-do-reinsurers-expect-in-a-treaty-submission/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-information-do-reinsurers-expect-in-a-treaty-submission/]]></link>
			<title>What information do reinsurers expect in a treaty submission?</title>
			<pubDate><![CDATA[Wed, 21 Jan 2026 07:49:53 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-do-reinsurers-price-treaties/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-do-reinsurers-price-treaties/]]></link>
			<title>How do reinsurers price treaties?</title>
			<pubDate><![CDATA[Wed, 21 Jan 2026 07:48:15 +0000]]></pubDate>
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			<guid><![CDATA[https://oaktree.co.za/]]></guid>
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			<title>Home</title>
			<pubDate><![CDATA[Tue, 31 Mar 2026 13:18:27 +0000]]></pubDate>
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			<guid><![CDATA[https://oaktree.co.za/2024/05/08/understanding-treaty-reinsurance-a-guide-for-south-african-insurers/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2024/05/08/understanding-treaty-reinsurance-a-guide-for-south-african-insurers/]]></link>
			<title>Understanding Treaty Reinsurance: A Guide for South African Insurers</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 15:28:05 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/2025/04/08/ai-the-double-edged-sword-every-south-african-uma-needs-to-understand/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2025/04/08/ai-the-double-edged-sword-every-south-african-uma-needs-to-understand/]]></link>
			<title>AI: The Double-Edged Sword Every South African UMA Needs to Understand</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 15:27:21 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/2024/06/05/oak-tree-golf-classic/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2024/06/05/oak-tree-golf-classic/]]></link>
			<title>Oak Tree Golf Classic</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 15:26:50 +0000]]></pubDate>
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			<guid><![CDATA[https://oaktree.co.za/start-up-solutions/]]></guid>
			<link><![CDATA[https://oaktree.co.za/start-up-solutions/]]></link>
			<title>Start-Up Reinsurance Solutions</title>
			<pubDate><![CDATA[Thu, 23 Apr 2026 09:34:36 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/life-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/life-reinsurance/]]></link>
			<title>Life Reinsurance</title>
			<pubDate><![CDATA[Thu, 19 Mar 2026 12:53:08 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/the-team/]]></guid>
			<link><![CDATA[https://oaktree.co.za/the-team/]]></link>
			<title>The Team</title>
			<pubDate><![CDATA[Mon, 30 Mar 2026 07:22:57 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/cell-solutions/]]></guid>
			<link><![CDATA[https://oaktree.co.za/cell-solutions/]]></link>
			<title>Cell Captive Reinsurance Solutions</title>
			<pubDate><![CDATA[Mon, 29 Dec 2025 12:29:33 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/facultative-solutions/]]></guid>
			<link><![CDATA[https://oaktree.co.za/facultative-solutions/]]></link>
			<title>Facultative Reinsurance Solutions</title>
			<pubDate><![CDATA[Fri, 24 Apr 2026 11:59:47 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/2024/07/30/understanding-facultative-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2024/07/30/understanding-facultative-reinsurance/]]></link>
			<title>What Is Facultative Reinsurance?</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 15:26:42 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/2025/03/14/annual-fishing-challenge-2025/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2025/03/14/annual-fishing-challenge-2025/]]></link>
			<title>Annual Fishing Challenge 2025</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 15:26:34 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/2025/03/25/solar-surge-what-south-africas-growing-love-affair-with-solar-means-for-umas/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2025/03/25/solar-surge-what-south-africas-growing-love-affair-with-solar-means-for-umas/]]></link>
			<title>Solar Surge: What South Africa’s Growing Love Affair with Solar Means for UMAs</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 15:26:24 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/2025/05/21/volatility-isnt-going-anywhere-but-smart-umas-can-still-win/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2025/05/21/volatility-isnt-going-anywhere-but-smart-umas-can-still-win/]]></link>
			<title>Volatility Isn’t Going Anywhere – But Smart UMAs Can Still Win</title>
			<pubDate><![CDATA[Tue, 02 Dec 2025 15:26:16 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/2024/06/05/oak-tree-company-strat/]]></guid>
			<link><![CDATA[https://oaktree.co.za/2024/06/05/oak-tree-company-strat/]]></link>
			<title>Oak Tree Company Strat</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:58:30 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-is-treaty-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-is-treaty-reinsurance/]]></link>
			<title>What is treaty reinsurance?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:58:20 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-does-treaty-reinsurance-differ-from-facultative-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-does-treaty-reinsurance-differ-from-facultative-reinsurance/]]></link>
			<title>How does treaty reinsurance differ from facultative reinsurance?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:58:18 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/why-choose-oak-tree-intermediaries-for-facultative-placements/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/why-choose-oak-tree-intermediaries-for-facultative-placements/]]></link>
			<title>Why choose Oak Tree Intermediaries for facultative placements?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:56:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-do-facultative-covers-interact-with-treaties/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-do-facultative-covers-interact-with-treaties/]]></link>
			<title>How do facultative covers interact with treaties?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:56:35 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-does-facultative-differ-from-treaty-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-does-facultative-differ-from-treaty-reinsurance/]]></link>
			<title> How does facultative differ from treaty reinsurance?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:56:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-information-do-reinsurers-need-for-facultative-submissions/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-information-do-reinsurers-need-for-facultative-submissions/]]></link>
			<title>What information do reinsurers need for facultative submissions?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:56:20 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-are-the-main-forms-of-treaty-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-are-the-main-forms-of-treaty-reinsurance/]]></link>
			<title>What are the main forms of treaty reinsurance?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:56:07 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-does-treaty-reinsurance-interact-with-solvency-regulation-in-south-africa/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-does-treaty-reinsurance-interact-with-solvency-regulation-in-south-africa/]]></link>
			<title>How does treaty reinsurance interact with solvency regulation in South Africa?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:55:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/why-use-an-intermediary-like-oak-tree/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/why-use-an-intermediary-like-oak-tree/]]></link>
			<title>Why use an intermediary like Oak Tree?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:55:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-role-does-facultative-reinsurance-play-in-south-africa/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-role-does-facultative-reinsurance-play-in-south-africa/]]></link>
			<title>What role does facultative reinsurance play in South Africa?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:55:36 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-about-ai-and-cyber-risks-in-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-about-ai-and-cyber-risks-in-reinsurance/]]></link>
			<title>What about AI and cyber risks in reinsurance?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:55:32 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-does-market-volatility-affect-facultative-pricing/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-does-market-volatility-affect-facultative-pricing/]]></link>
			<title>How does market volatility affect facultative pricing?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:55:17 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-does-market-volatility-mean-for-treaties/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-does-market-volatility-mean-for-treaties/]]></link>
			<title>What does “market volatility” mean for treaties?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:55:09 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-is-the-role-of-an-intermediary-like-oak-tree-in-facultative-placements/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-is-the-role-of-an-intermediary-like-oak-tree-in-facultative-placements/]]></link>
			<title>What is the role of an intermediary like Oak Tree in facultative placements?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-does-ai-affect-reinsurance-discussions/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-does-ai-affect-reinsurance-discussions/]]></link>
			<title>How does AI affect reinsurance discussions?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:38 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-are-facultative-premiums-calculated/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-are-facultative-premiums-calculated/]]></link>
			<title>How are facultative premiums calculated?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:38 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/when-is-facultative-reinsurance-typically-used/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/when-is-facultative-reinsurance-typically-used/]]></link>
			<title>When is facultative reinsurance typically used?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:37 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-are-facultative-claims-handled/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-are-facultative-claims-handled/]]></link>
			<title>How are facultative claims handled?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:35 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-is-reinsurance-responding-to-south-africas-solar-boom/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-is-reinsurance-responding-to-south-africas-solar-boom/]]></link>
			<title>How is reinsurance responding to South Africa’s solar boom?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:18 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-unique-challenges-shape-treaty-reinsurance-in-south-africa/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-unique-challenges-shape-treaty-reinsurance-in-south-africa/]]></link>
			<title>What unique challenges shape treaty reinsurance in South Africa?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:13 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-is-facultative-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-is-facultative-reinsurance/]]></link>
			<title>What is facultative reinsurance?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:54:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-does-climate-change-affect-facultative-placements/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-does-climate-change-affect-facultative-placements/]]></link>
			<title>How does climate change affect facultative placements?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:53:58 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-often-are-treaties-renewed/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-often-are-treaties-renewed/]]></link>
			<title>How often are treaties renewed?</title>
			<pubDate><![CDATA[Wed, 10 Sep 2025 09:46:08 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-are-reinstatements-in-an-excess-of-loss-treaty/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-are-reinstatements-in-an-excess-of-loss-treaty/]]></link>
			<title>What are reinstatements in an excess-of-loss treaty?</title>
			<pubDate><![CDATA[Wed, 10 Sep 2025 09:39:01 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/reinsurance-faqs/]]></guid>
			<link><![CDATA[https://oaktree.co.za/reinsurance-faqs/]]></link>
			<title>Reinsurance FAQs</title>
			<pubDate><![CDATA[Wed, 10 Sep 2025 09:34:03 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-is-a-ceding-commission/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-is-a-ceding-commission/]]></link>
			<title>What is a ceding commission?</title>
			<pubDate><![CDATA[Wed, 10 Sep 2025 09:31:44 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-do-proportional-and-non-proportional-treaties-differ/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-do-proportional-and-non-proportional-treaties-differ/]]></link>
			<title>How do proportional and non-proportional treaties differ?</title>
			<pubDate><![CDATA[Wed, 10 Sep 2025 09:30:00 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-are-current-facultative-market-trends-in-south-africa/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-are-current-facultative-market-trends-in-south-africa/]]></link>
			<title>What are current facultative market trends in South Africa?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:53:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-happens-if-treaty-limits-are-exhausted/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-happens-if-treaty-limits-are-exhausted/]]></link>
			<title>What happens if treaty limits are exhausted?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:53:29 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/privacy-policy/]]></guid>
			<link><![CDATA[https://oaktree.co.za/privacy-policy/]]></link>
			<title>Privacy Policy</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:53:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/what-are-the-two-main-forms-of-facultative-reinsurance/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/what-are-the-two-main-forms-of-facultative-reinsurance/]]></link>
			<title>What are the two main forms of facultative reinsurance?</title>
			<pubDate><![CDATA[Thu, 27 Nov 2025 11:52:15 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://oaktree.co.za/industry-insights/]]></guid>
			<link><![CDATA[https://oaktree.co.za/industry-insights/]]></link>
			<title>Industry Insights</title>
			<pubDate><![CDATA[Thu, 05 Jun 2025 06:32:20 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://oaktree.co.za/ufaq/how-is-facultative-capacity-placed/]]></guid>
			<link><![CDATA[https://oaktree.co.za/ufaq/how-is-facultative-capacity-placed/]]></link>
			<title>How is facultative capacity placed?</title>
			<pubDate><![CDATA[Thu, 02 Oct 2025 08:49:18 +0000]]></pubDate>
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