clients, ringfencing them to a full range of independent medical aid, gap cover, and short-term, and employee and employee benefits referrals 50% on all independent life business (long-term insurance) 30% once-off clients, ringfencing them to a full range of independent medical aid, gap cover, and short-term, and employee and employee benefits referrals 50% on all independent life business (long-term insurance) 30% once-off