Relatives carry a man injured in a suicide blast in north-east Nigerian town of Potiskum on January 12, 2015. Aminu Abubakar / AFP
Relatives carry a man injured in a suicide blast in north-east Nigerian town of Potiskum on January 12, 2015. Aminu Abubakar / AFP
Relatives carry a man injured in a suicide blast in north-east Nigerian town of Potiskum on January 12, 2015. Aminu Abubakar / AFP
Relatives carry a man injured in a suicide blast in north-east Nigerian town of Potiskum on January 12, 2015. Aminu Abubakar / AFP

Boko Haram pushes girls to become suicide bombers


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KANO, Nigeria // Last month, 13-year-old Zaharau Babangida refused to set off explosives she was carrying after being sent by her father to camps run by the Nigerian militant group Boko Haram.

Zaharau was arrested by police on December 10 after two other female bombers killed at least six people at a textile market in northern Nigeria’s largest city, Kano. She agreed to travel from Bauchi to Kano after the militants pointed at a ditch and told Zaharau she would be killed there if she refused.

“The members asked me if I wanted to commit a suicide bombing and that if I did I will enter paradise,” said Zaharau, who was wearing the jilbab, a flowing garment covering the body from head to feet, while she was paraded in front of reporters on December 24.

Young girls are being increasingly coerced into suicide attacks in the predominately Muslim north as Boko Haram evolves tactics in its six-year insurgency. In the past week, a girl as young as 10 set off explosives at a market in the northeastern city of Maiduguri, killing at least 20.

Two others detonated bombs near a mobile-phone market in the town of Potiskum, killing at least seven and injuring 48 people, Yobe state governor Ibrahim Gaidam said.

Women wearing the jilbab were already facing increased scrutiny across northern Nigeria after a spate of Boko Haram suicide bombings attributed to attackers with similar dress.

“Boko Haram relies upon women and children to carry out suicide bombings because they can easily and effectively infiltrate crowded urban environments and bypass security checkpoints without arousing suspicion,” said Malte Liewerscheidt, senior Africa analyst at the UK-based risk consultancy Verisk Maplecroft. “It highlights the ability of Boko Haram to access, indoctrinate and utilise all elements of society.”

Nigeria, home to Africa’s biggest oil industry and the continent’s most populated country, is heading toward general elections next month in the face of worsening violence in the north. Both president Goodluck Jonathan, 57, and main opposition candidate and former military ruler Muhammadu Buhari, 72, have pledged to stop the insurgency, which has killed more than 13,000 people since 2009, according to the government.

“It is very shocking for someone to take a child that they bore as her biological father and recruit her to commit suicide,” said Muhammad Faruk, a 33-year-old bus driver and resident of Potiskum. “The question is: where do they get them?”

Boko Haram has stepped up kidnappings since it seized more than 200 schoolgirls from the northeastern town of Chibok in April, drawing international condemnation.

Another 191 people were abducted last month in the remote village of Gumsuri, the group’s largest mass kidnapping since Chibok. Many of the girls have likely been brainwashed by the militants into committing the attacks, said Bawa Abdullahi Wase, a security analyst and associate at the Network for Justice.

“The reported youthfulness of several of the purported suicide bombers suggests that they were selected from Boko Haram’s pool of kidnap victims and coerced into carrying out the above mentioned attacks,” said the UK-based security consultancy Drum Cussac. The bombings in Maiduguri and Potiskum “underscored the militants’ sustained intent and capacity to cause a maximum of civilian casualties in terrorist attacks,” it said.

President Jonathan’s ruling People’s Democratic Party looks to face its stiffest challenge since coming to power at the end of military rule in 1999, after three of the biggest opposition parties merged last year to form the All Progressives Congress.

The APC has attacked Mr Jonathan’s record on security claiming it as evidence that his government has failed.

Reports that as many as 2,000 people died in last week’s attacks on the northeastern town of Baga are unfounded, Nigeria’s military said on Monday. Initial evidence, including aerial surveillance, shows the death toll didn’t exceed 150, it added.

“The proliferation of violence in the pre-election period is leaving the Nigerian security forces spread too thin,” said Mr Liewerscheidt of risk consultancy Verisk Maplecroft. “There is little doubt that the government and the military have effectively lost control over large swathes of north-east Nigeria.”

* Bloomberg

Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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