About Constantia

At Constantia Insurance Group, our commitment is to make insurance personal. We’ve spent 68 years keeping this promise, by delivering innovative risk and insurance solutions to the market.



Constantia Risk and Insurance Holdings Proprietary Limited is the holding company for the Constantia Insurance Group, a wholly-owned subsidiary of Conduit Capital Limited.



The Directors fulfil a duty of care and loyalty, and act with integrity as they actively pursue board matters and other responsibilities. They have a keen interest in assisting with the design of an integrated corporate culture that does not seek to interfere with the role of management, while striving to enhance the long-term strategy and value of Constantia.

Insurance Entities:

Constantia Insurance Company Limited (CICL)
Constantia Life and Health Assurance Company Limited (CLAH)
Constantia Life Limited (CLL)

Independent Non-Executive Directors


Thembalihle Phillip Baloyi
Independent Non-Executive Chairperson

ChairpersonCRIH, CICL, CLAH, CLL Boards & Joint Nominations Committee
Joint Committee Memberships –  Audit, Investment, Remuneration, Risk, Governance and Actuarial

Themba is a co-founder of Sithega, a diversified financial services business. Prior to Sithega, Themba founded Discovery Insure Limited (“Discovery Insure”), a Short-term Insurance Company launched in 2011. The Discovery Insure work propelled him to win the 2018 AABLA Entrepreneur of the Year Award. He was honoured as a 2015 World Economic Forum Young Global Leader.

Themba has extensive board leadership experience and is a Board member of the Allan Gray Orbis Foundation, Cube Capital and Prescient Empowerment Trust among others. He studied and completed Cost and Management Accounting, Corporate Governance through ICSA and has an Executive MBA from Henley Business School (UK). He completed business leadership studies though Gordon Institute of Business Science, University of Cape Town- Graduate School of Business and Duke University (US).


Lusani Kingswell Mulaudzi
Independent Non-Executive Director 

Chairperson –  Risk, Governance, Actuarial and Remuneration Committee
Board Memberships – CRIH, CICL, CLAH, CLL
Joint Committee Memberships – Audit and Nominations

Lusani Mulaudzi is a Healthcare Actuary with over 12 years of experience. He is the founder and director of Grassroots Impact Solutions (Pty) Ltd. He started his working career at Sanlam as a Valuations Consultant focusing mostly on valuing Group risk benefits such as disability income and lump sum benefits. He later moved on to Medscheme as Healthcare Actuary he led the pricing and reserving team for a number of medical scheme clients. Apart from his normal work, Lusani has been involved in the development of the actuarial profession through his participation in the Actuarial Society of South Africa since 2010. He has served on the Council of the Actuarial Society of South Africa for over 7 years and will be the President of the organization in 2020 and 2021. He is the Deputy Chair of the Education Board of ASSA, chairs the transformation committee and is a former Principal of the Academy of the Actuarial Society.

He currently chairs the risk committee of an insurance company in South Africa and he is also a part-time Public Interest Actuary for the Actuarial Society of South Africa. He is a trained Design thinking practitioner and is passionate about innovation.


Nonzukiso Siyotula
Independent Non-Executive Director

Chairperson – Joint Audit Committee, Joint Investment Committee & Joint Social and Ethics Committee
Board Memberships – CRIH, CICL, CLAH, CLL
Joint Committee Memberships – Nominations, Remuneration, Risk, Governance & Actuarial

Nonzukiso is the former Chief Executive Officer of Thebe Investment Corporation and holds a CA(SA), ACMA, MBA and completed executive programmes from Harvard, Insead and Oxford. She has been recognized as Young Global Leader by the World Economic Forum and is a Tutu Fellow. She currently serves on the Board of Bidvest Group Limited, Wescoal Holdings Limited and Taste Holdings Limited, amongst others.

Melvyn Lubega
Independent Non-Executive Director 

Board Memberships – CRIH, CICL, CLAH, CLL

Melvyn is an experienced entrepreneur and investor having successfully built and exited businesses that serve customers around the world. He has been in senior investment roles for over a decade. Melvyn is a board member of both investment companies and operating companies, including as an Investment Committee and Audit and Risk Committee member of Adcorp Holdings Limited (JSE:ADR).

He is a referenced thought leader and invited speaker both abroad and locally on investing and digital transformation amongst others. He has been listed by Forbes for his achievements in business.

Melvyn is an actuary by training, holding an undergraduate degree from the University of Cape Town where he was an Allan Gray Orbis Foundation Fellow. He has postgraduate degrees from the University of Oxford where he was a Rhodes Scholar.

Executive Directors


Peter Goeffrey Todd
Chief Executive Officer
Executive Director

Board Memberships – CRIH, CICL, CLAH, CLL
Joint Committee Memberships – Investment, Risk, Governance and Actuarial

Peter Todd has extensive industry experience and boasts over 20 years of financial services industry experience, both in South Africa and abroad. He has a number of business interests in the claims management space having co-founded Repair Solutions in 2014 and subsequently having expanded into other areas of the insurance value chain.
Prior to setting up his own business interests, Peter held a number of senior positions in the industry including Chief Executive of Mutual & Federal; Managing Executive for Distribution at Absa Financial Services as well as Chairperson of Credit Guarantee Insurance Company.
Peter also spent six years in Singapore as the Regional Managing Director of Alexander Forbes Asia Pacific.
Peter has served as a Director on a number of insurance industry Boards, including the South African Insurance Association and is a Past President of the Insurance Institute of South Africa.
Peter has a B.Com LLB degree from the University of Cape Town and was admitted as an Attorney of the High Court in 1996, having served his articles at Jan S de Villiers & Son.

Lourens Erasmus Louw
Chief Financial Officer
Executive Director

Board Membership – CRIH,CICL,CLAH,CLL
Joint Committee Membership – Investment

Lourens studied at the University of Stellenbosch, after which he moved to Johannesburg and qualified as a member of the SA Institute of Stockbrokers. In 1996, Lourens was appointed as financial director and compliance officer of a stockbroking firm Irish & Menell Rosenberg (Pty) Ltd and its successors in the Appleton Group. He remained with Appleton until June 2003 when he joined Conduit Capital Ltd. Lourens became the financial director of Conduit Capital in October 2004.

Tyrone Christie Moodley
Chief Operations Officer
Executive Director

Board Memberships – CRIH, CICL, CLAH, CLL
Joint Committee Memberships –  Risk, Governance and Actuarial, Social & Ethics

Tyrone is a founder and chief executive officer of Midbrook Lane Proprietary Limited, a private investment company. His career began at Sasfin Securities as a research analyst before he left to start Midbrook. Tyrone obtained a Bachelor of Commerce Degree from the University of Johannesburg and is a senior advisor to Protea Asset Management LLC, an investment advisor based in the United States. He served as Interim CEO of a JSE Listed Food Franchising and Jewelry Retail group, working together with the international offices of Starbucks, Domino’s Pizza and Rolex. He has more than 15 years of investment experience.

Executive team

John Nienaber
Executive – Speciality Business: Property & Casualty

John graduated from Rhodes University with a BA LLB and has been working in the insurance industry since 1999. Primarily focussed on the corporate, niche and specialty sectors he has significant underwriting experience having held various technical and management roles at large multinational insurers since 2005. His executive board appointments include Stalker Hutchison & Admiral, Chubb SA, Mutual and Federal Risk Financing and Old Mutual Specialty Insurance. His management responsibilities have been focused on diversifying and growing specialty products as well as mergers and acquisitions, particularly in the UMA sector.

Toska Kouskos
Executive – Health & Life

Joint Committee Membership – Social & Ethics

Toska [BA(Hons), MA, MBA, CFP, RE1 and RE5] is a registered financial advisor with the Financial Planning Institute. She gained extensive experience in healthcare consulting where she was the Key Account Lead for the team responsible for registering the Government Employees Medical Scheme (GEMS). Toska was the GEMS Key Account Executive for a period of 6 years and very involved in the operational aspects during the start-up years of GEMS. She also served on the Task team for a Low Income Medical Scheme for SA at the time. Enjoying the challenges of Business management, leadership and business strategy, she completed her MBA a few years later. Toska worked at some of the largest corporate broker houses where she fulfilled an Executive role being instrumental in achieving business turnaround whilst staying close to her passion of technical consulting roles in the Healthcare sphere. Such consulting roles ranged from consulting to the Board of Trustees of various restricted medical schemes, to Corporate Wellness consulting. Toska was the also the Head of a Business responsible for Absenteeism and Disability management programs in a corporate employer base of more than 150 000 employees.

Lebogang Portia Padi
Executive – Governance & Legal

Joint Committee Membership – Social & Ethics

Lebogang (Lebo) Padi, (LLB, MDP, Post Graduate Diploma Compliance Management) is an executive legal, compliance and governance specialist with extensive experience in the insurance sector. Lebo has worked for the financial services industry including working in investment banking. Furthermore, Lebo brings along her experience in working for the financial sector conduct authority. Over her experience, she’s dealt with the pension fund regulations and put in place pension fund administration capabilities.

Lebo was a trustee and principal officer of 4 registered pension and retirement annuity funds. As a compliance executive, Lebo has built compliance structures by ensuring that proper processes are put in place. Lebo is a member of the Compliance institute and member of The Institute of Directors in South Africa NPC (IoDSA). Lebo is passionate about governance and ensuring a compliance culture is embedded in businesses. As a mother and wife, she’s mostly passionate about her family.

Alex Brownlee
Executive – EthiQal & Group Health Actuary

Alex [FASSA FFA BSc(Hons)] is an experienced executive Actuary with extensive experience in product development, pricing, risk management, advanced analytics and technical marketing. Over his career he has dealt in pensions, worked in life assurance in the UK, worked for an international health reinsurer and worked in a large healthcare company. He has worked both within insurers and as a consultant, but over the last seven years been involved at an executive level enjoying the balance of management, business and strategy development. Alex has been an active HIV/Aids then Health committee member of the Actuarial Society of South Africa (ASSA), as well as a member and secretary of the Health Section of the International Actuarial Association (IAA).

Sujeeth Bishoon
Executive – Chief Underwriting Officer

Sujeeth (B. Com, B. Com Hons, MBL) has over 20 years experience in the financial services sector and has a deep strategic and operational understanding of the business models of Insurers, UMA’s and Brokers especially in the short terms insurance industry. Sujeeth’s work experience spans across the insurance supply chain where he has occupied various senior management positions at Santam and Mutual & Federal Insurance Company and also fulfilled executive roles at FNB Insurer Processing Services and at Indwe Broker Holdings. Sujeeth has an exceptional track record in terms profitable portfolio management and is renowned in the industry for his passion, problem solving ability, strategic thinking and disciplined underwriting execution.