Below are some important regulations and guidelines/standards that are dwnloadable and will keep you well informed about best international Actuarial practices as well as local regulations. Amongst some of the important regulations is the new Zambia Insurance Act.  Also below are some important standards currently being used in South Africa. Note that the SAP 104 version 9 has been replaced by SAP 104 version 10 and is no longer effective, however, version 9 is made available for reference purposes only.