International Cooperative & Mutual Insurance Federation

(ICMIF)

A Global Reach for Local Strength

Ed PotterExecutive Director

ICMIF/Americas

International Cooperative & Mutual Insurance Federation

(ICMIF)

A Global Reach for Local Strength

Ed PotterExecutive Director

ICMIF/Americas

ICA and Sectoral OrganizationsICA and Sectoral Organizations

ICA Board of Directors

The Global Network of Member-Owned InsurersThe Global Network of

Member-Owned Insurers

A Global Reach for Local StrengthA Global Reach for Local Strength

International Cooperative and Mutual Insurance Federation

founded in 1922

Americas

Europe Asia &

Oceania

225 Members in 73 countries225 Members in 73 countries

ICMIF – MISSIONICMIF – MISSION

Contribute to the growth of the cooperative and mutual insurance market

throughpromoting mutuality,

providing high value-added services to members and

creating new business opportunities.

ICMIF directly represents:ICMIF directly represents:Direct members• 225 members in 73 countries• Represents 5.5% of world’s insurance market by premiums• USD 252 billion in premiums• USD 1.53 trillion in assets• Over 250,000 staff employed by members

Indirect members• Includes members of mutual trade associations • 2,200 members• With USD 520 billion in premiums • representing 11% of the world’s insurance market

Direct members• 225 members in 73 countries• Represents 5.5% of world’s insurance market by premiums• USD 252 billion in premiums• USD 1.53 trillion in assets• Over 250,000 staff employed by members

Indirect members• Includes members of mutual trade associations • 2,200 members• With USD 520 billion in premiums • representing 11% of the world’s insurance market

ICMIF members’ legal statusICMIF members’ legal status

Members by regionMembers by region

ICMIF membership growthICMIF membership growth

ICMIF Members definedICMIF Members defined

“ICMIF members are the fastest growing part of the global insurance market.

They are among the innovative market leaders in their core business.”

“ICMIF members are the fastest growing part of the global insurance market.

They are among the innovative market leaders in their core business.”

Global Mutual Market Share 2012Global Mutual Market Share 2012

http://www.icmif.org/2012-mutual-market-share

Source: Global Mutual Market Share 2012

Global premium growth (2007-2012)

Global premium growth (2007-2012)

Source: Global Mutual Market Share 2012

*Total market as per Swiss Re sigma, World insurance in 2012

Mutual market shareMutual market share

Source: Global Mutual Market Share 2012

Global mutual marketGlobal mutual market

Source: Global Mutual Market Share 2012

% ChangeTOTAL

MARKET [1]

% ChangeMUTUAL MARKET [2]

% ChangeICMIF

MEMBERS [3]

TOTAL +11.8% +27.3% +30.2%

Life +6.9% +29.7% +38.2%

Non-Life +19% +24.6% +22.8%

[1] Swiss Re, World Insurance in 2012,

[2] ICMIF Global Mutual Market Share 2012

[3] ICMIF Members Key Statistics 2011: Premium Growth

The fastest growing part of the insurance market

Region

Mutual Market Share % Change 2011-20122012 2011

Europe 28.4% 28.0% +1.2%

North America 33.1% 32.8% +0.9%

Asia & Oceania 21.5% 22.1% -2.9%

Latin America 10.9% 10.3% +6.0%

Africa 1.9% 2.0% -1.9%

TOTAL 26.7% 26.7% -0.2%

MMS 2007

% Change 2007-2012

22.1% +28.1%

28.7% +15.4%

20.6% +4.2%

8.6% +27.9%

1.3% +48.3%

23.4% +13.9%

Regional mutual market shareRegional mutual market share

1-year growth1-year growth 5-year growth5-year growth

Source: Global Mutual Market Share 2012

Market Share in ten largest insurance markets

Market Share in ten largest insurance markets

Global Rank*

Country

Mutual Market Share % Change 2011-20122012 2011 2010

1 USA 34.5% 34.2% 34.4% +0.8%

2 Japan 41.7% 42.5% 41.5% -2.0%

3 UK 8.0% 8.1% 8.0% -1.4%

4 China 0.3% 0.2% 0.2% +40.6%

5 France 40.8% 40.0% 38.9% +2.0%

6 Germany 43.3% 42.5% 41.1% +2.0%

7 Republic of Korea** 10.4% 8.9% 8.6% +16.3%

8 Italy 20.3% 17.2% 15.5% +18.1%

9 Canada 19.6% 19.2% 18.7% +2.1%

10 Netherlands 53.4% 50.6% 50.7% +5.6%Source: Global Mutual Market Share 2012

*Global Rank as per Swiss Re, World insurance in 2012, statistical appendix updated January 2014

** Total market figures for 2011 and 2010 have been adjusted following the entrance of NH Life into the market in 2012

New areas of analysisNew areas of analysis

Product lines (p.8-9)Product lines (p.8-9) Investments (p.27)Investments (p.27)No. of Members/ policyholders (p.29)No. of Members/ policyholders (p.29)

Number of members/policyholdersNumber of members/policyholders

Source: Global Mutual Market Share 2012

Over 800 million total in 2012

Global 500 for 2012Global 500 for 2012

• 500 largest mutual and cooperative insurers

• Just under USD 1.2 trillion (98% of total) in assets

• Record number of ICMIF members = 77 (2011 = 74)

• 123 of largest 300 co-op enterprises (World Co-op Monitor) are mutual/coop insurers (41%)

ICMIF Services‘Only @ ICMIF’ICMIF Services‘Only @ ICMIF’

• Networking• Knowledge• Influence

• Networking• Knowledge• Influence

Unique ServicesUnique Services

                                                                                        ICMIF Value FormulaICMIF Value Formula

Improving members’

competitiveness x Catalyst for co-operation x Differentiating

the sector

‘Giving members a competitive edge’

‘Competitive intelligence from collective knowledge’

Unique Networking OpportunitiesUnique Networking Opportunities

1. Conferences

2. Networks

3. Leaders Forums

4. Training

5. Member to member direct

“ICMIF provides a ready-made network of individuals and therefore the opportunity to consult on experiences and business challenges and to share knowledge. Our membership of ICMIF helps to facilitate this contact and builds lasting business relationships.” Charles Beighton, NFU Mutual

1. Conferences

2. Networks

3. Leaders Forums

4. Training

5. Member to member direct

“ICMIF provides a ready-made network of individuals and therefore the opportunity to consult on experiences and business challenges and to share knowledge. Our membership of ICMIF helps to facilitate this contact and builds lasting business relationships.” Charles Beighton, NFU Mutual

ICMIF Conference 2013‘Lead..Innovate..Influence’

ICMIF Conference 2013‘Lead..Innovate..Influence’

• Key note speaker François Pienaar, Dame Pauline Green

• Global strategic challenges

• Growth strategies• Values based marketing• Identifying the game-

changers• Influencing the

stakeholders

• Key note speaker François Pienaar, Dame Pauline Green

• Global strategic challenges

• Growth strategies• Values based marketing• Identifying the game-

changers• Influencing the

stakeholders

ICMIF Conference – Cape TownLead..Innovate..Influence

ICMIF Conference – Cape TownLead..Innovate..Influence

Conference statsConference stats• 280 delegates (+46 guests from ICA)• 110 organisations from 47 countries• 37% are CEO/Chairs• Conference rating overall 4.2/5.0

(highest ever)• 87% viewed conference

presentations post conference• 61% used strategies they learnt at

the conference • 75% watched ICMIFTV• 99% were likely to attend the next

conference

• 280 delegates (+46 guests from ICA)• 110 organisations from 47 countries• 37% are CEO/Chairs• Conference rating overall 4.2/5.0

(highest ever)• 87% viewed conference

presentations post conference• 61% used strategies they learnt at

the conference • 75% watched ICMIFTV• 99% were likely to attend the next

conference

ICMIF Biennial Conference Minneapolis

7-9 October 2015

ICMIF Biennial Conference Minneapolis

7-9 October 2015

ICMIF/Americas ConferencePanama City, Panama

14-16 August 2013

ICMIF/Americas ConferencePanama City, Panama

14-16 August 2013

Navigating through Complexity

140 delegates from 18 countries

Topics covered• People planning performance• Telematics• Claims best practices• Regulatory trends• Governance issues• Reputation• Online strategies

Navigating through Complexity

140 delegates from 18 countries

Topics covered• People planning performance• Telematics• Claims best practices• Regulatory trends• Governance issues• Reputation• Online strategies

ICMIF NetworksICMIF Networks

• 5 networks run annually, biennially

• Bringing together senior managers for their own international network

• Unique way to develop member talent and access innovative strategies and best practices

• Member chairs and members set the agenda

• 5 networks run annually, biennially

• Bringing together senior managers for their own international network

• Unique way to develop member talent and access innovative strategies and best practices

• Member chairs and members set the agenda

NetworksNetworks

Claims (30) David Bonehill, Ecclesiastical, UK

London,UK

15-16 April, 2013

Takaful (120) Salah El Din Musa, Shiekan, Sudan

17-18 Feb 2014

Reinsurance (120)

Mogens Skov, KAB, Denmark

Miami, USA

9-11 June, 2014

Microinsurance

(100)

Aris Alip, CARD MBA, Philippines

Manila, Philippines 18-20 September, 2013

Latin American Reinsurance Group (80)

Carmen Barbosa, Tajy, Paraguay

19-23 Aug, 2014

Guatamala

Development NetworkManila, Philippines

18-20 September, 2013

Development NetworkManila, Philippines

18-20 September, 2013

Improving Access to Insurance

Joint ICMIF/AOA event

•105 delegates from 15 countries

Improving Access to Insurance

Joint ICMIF/AOA event

•105 delegates from 15 countries

Latin American Reinsurance Group (LARG)

Latin American Reinsurance Group (LARG)

• 81 delegates, 20 member companies, 15 countries

• “This event help to strengthen the bonds of integration between our insurance companies”

• “I truly believe that LARG has the potential to really change the social and economic structure for many people who can now have access to insurance in their countries.”

• 81 delegates, 20 member companies, 15 countries

• “This event help to strengthen the bonds of integration between our insurance companies”

• “I truly believe that LARG has the potential to really change the social and economic structure for many people who can now have access to insurance in their countries.”

Claims NetworkClaims Network

• Claims Management Seminar

• London, UK April

• 28 delegates from 13 Companies

• Claims Management Seminar

• London, UK April

• 28 delegates from 13 Companies

Takaful NetworkKhartoum, SudanTakaful NetworkKhartoum, Sudan

• Regular newsletters ‘Takaful & Mutuality’

• Online discussion forums

• Sudan Feb 2014• MoU with FOIITC and

GTG to promote mutuality in takaful

• Regular newsletters ‘Takaful & Mutuality’

• Online discussion forums

• Sudan Feb 2014• MoU with FOIITC and

GTG to promote mutuality in takaful

ICMIF Leaders’ ForumsObjectives

ICMIF Leaders’ ForumsObjectives

1. Become the pre-eminent thought-leadership group for the mutual and cooperative insurance sector;

2. Raise standards within the sector and promote best practice;

3. Champion mutual and cooperative values in insurance;

4. Act as the sector’s representative when dealing with external stakeholders.

5. Give ICMIF members the ‘competitive edge’

1. Become the pre-eminent thought-leadership group for the mutual and cooperative insurance sector;

2. Raise standards within the sector and promote best practice;

3. Champion mutual and cooperative values in insurance;

4. Act as the sector’s representative when dealing with external stakeholders.

5. Give ICMIF members the ‘competitive edge’

Leaders ForumsLeaders Forums

1. Communications (CLF)

2. Resilience & Sustainability

3. Leadership Development (LDF)

4. Regulatory Issues (RILF)

5. Accounting Issues

1. Communications (CLF)

2. Resilience & Sustainability

3. Leadership Development (LDF)

4. Regulatory Issues (RILF)

5. Accounting Issues

Communications Leaders Forum (CLF)

Communications Leaders Forum (CLF)

• Set up in Nov 2012 to promote and manage the reputation of our industry’s values based business model.

• 95 active members• Webinars January/February• Meeting in November in Singapore• Responsible for the Global

Reputation Audit project • Gatekeepers for the Spokespeople• “As a recent member of the CLF, I was

and am, astounded by the excellent networking opportunities that exist and the pure value of collective work.”

• Set up in Nov 2012 to promote and manage the reputation of our industry’s values based business model.

• 95 active members• Webinars January/February• Meeting in November in Singapore• Responsible for the Global

Reputation Audit project • Gatekeepers for the Spokespeople• “As a recent member of the CLF, I was

and am, astounded by the excellent networking opportunities that exist and the pure value of collective work.”

Resilience and Sustainability Leaders Forum

Resilience and Sustainability Leaders Forum

• Market Intelligence role• Three reports on sustainability

since 2009• Industry experts

• Advocacy role• Promoting ICMIF and its

members to external stakeholders• UNEP, EU, Climatewise, World

Bank

• Meeting June 27, London• UN Hyogo Framework for

Action

• Market Intelligence role• Three reports on sustainability

since 2009• Industry experts

• Advocacy role• Promoting ICMIF and its

members to external stakeholders• UNEP, EU, Climatewise, World

Bank

• Meeting June 27, London• UN Hyogo Framework for

Action

Leadership Development ForumLeadership Development Forum

• Set up 2013• 12 members• Annual meeting in

September• Regular conference calls• Leadership development• Behavioral science• Secondee exchange• Resource exchange• Succession planning

• Set up 2013• 12 members• Annual meeting in

September• Regular conference calls• Leadership development• Behavioral science• Secondee exchange• Resource exchange• Succession planning

Regulatory Issues Leaders ForumRegulatory Issues Leaders Forum

ICMIF

Accounting Working GroupAccounting Working Group

• IASB Insurance directive• Draft ED issued July 2013• Key issues identified • WG chaired by Fabrice

Genoun, GEMA, France• 18 members

contacted/commented• Response submitted 23

October• Loose lobbying group

• IASB Insurance directive• Draft ED issued July 2013• Key issues identified • WG chaired by Fabrice

Genoun, GEMA, France• 18 members

contacted/commented• Response submitted 23

October• Loose lobbying group

TrainingTraining

Learning and development of staff is THE most important thing we can do.

Our people are our business.

Learning and development of staff is THE most important thing we can do.

Our people are our business.

Advanced Management CourseAdvanced Management Course

• For our future leaders• 6 day intensive course• In its 13th year, run

annually 11-16 May 2014

• 2013 25 delegates 19 members from 14 countries

• Over 300 alumni from 65 members in 36 countries

• For our future leaders• 6 day intensive course• In its 13th year, run

annually 11-16 May 2014

• 2013 25 delegates 19 members from 14 countries

• Over 300 alumni from 65 members in 36 countries

‘The most exciting course I’ve ever worked on! It was not only an alternative wayof teaching but it was a real challenge and an unexpected way of learning.’

(Nektaria Bessa, Syneteristiki, Greece.)

AGILE and Reaction business simulation

training events

AGILE and Reaction business simulation

training events

• Unique strategic decision making training event for the mutual sector

• Run specifically for members, boards, staff

• Reaction for Reinsurers run in • London twice (Willis), • Brussels (joint event

with AMICE)

• Unique strategic decision making training event for the mutual sector

• Run specifically for members, boards, staff

• Reaction for Reinsurers run in • London twice (Willis), • Brussels (joint event

with AMICE)

Agile for MicroinsurersAgile for Microinsurers

• Unique business simulation• Highlights microinsurance

challenges• Run in

• Switzerland; India; South Africa; Indonesia, Philippines

• Over 60 delegates• “The Agile simulation brought us

together. It challenged us to look at all aspects of the business, not only the product and the pricing, the market and the coverage, but also the finances, liquidity and solvency.”

• Unique business simulation• Highlights microinsurance

challenges• Run in

• Switzerland; India; South Africa; Indonesia, Philippines

• Over 60 delegates• “The Agile simulation brought us

together. It challenged us to look at all aspects of the business, not only the product and the pricing, the market and the coverage, but also the finances, liquidity and solvency.”

Member engagement 2013 events

Member engagement 2013 events

Events Month Location Attendees Companies

Claims April London 28 13

Management Course

May Manchester 23 19

CLF May Manchester 11 11

LARG June Dom Rep 78 24

ICMIF Americas Aug Panama 130 27

Development Sept Manila 105 51

LDF Sept Manchester 10 9

Conference Nov Cape Town 326 109

Total delegates 8 711

Member engagement – 2013 training events

Member engagement – 2013 training events

Events Month Location Attendees Companies

Management Course May Manchester 23 19

Agile - Switzerland June Zurich 16 8

Reaction - Willis Aug London 30 25

Reaction Sept Brussels 17 8

Reaction - Nigeria Oct Nigeria 20 8

Agile – India Oct New Delhi 20 14

Agile - South Africa Nov Cape Town 15 8

Agile - Indonesia Nov Jakarta 15 12

Total trained 8 156

Member engagement - eventsMember engagement - events

2013 2012 2011 2010 2009 2008

Events 16 9 11 7 9 9

Delegates attended

867 470 595 422 553 323

Members attended

140 102 128 109 135 102

Countries 60 49 58 52 56 51

Member to member visitsMember to member visits

• Sharing best practices

• Creating a globally connected network

• Study visits • Leading to joint

ventures

• Sharing best practices

• Creating a globally connected network

• Study visits • Leading to joint

ventures

Unique Knowledge‘creating the stories’Unique Knowledge‘creating the stories’

1. Newsletters

2. Market Insights

3. Strategic Insights

4. Member stats

5. Social media

1. Newsletters

2. Market Insights

3. Strategic Insights

4. Member stats

5. Social media

Over 30 reports annually - 2013Over 30 reports annually - 2013

Publication Languages Member/public

Mutual Market Share All Public

Global 500 All Member

Market Insights (12 annual reports) Target audience Public

Strategic Insights (4 reports) All Member

Key Stats Premium, PL, BS, KR All Member

Members Governance and Awards English Member

Reputation report English Member

CEO Insight report All Member

Women CEOs report English, Spanish Member

Longevity of Mutuals English Public

The ‘Voice’ of the SectorThe ‘Voice’ of the Sector

• 3 editions a year

• Published in 4 languages

• New format

• 3 editions a year

• Published in 4 languages

• New format

Prospermicroinsurance publication

Prospermicroinsurance publication

Takaful & Mutualitythe Voice of the Takaful sector

Takaful & Mutualitythe Voice of the Takaful sector

• 2 editions a year

• Joint newsletter with GTG and FIOTC

• 2 editions a year

• Joint newsletter with GTG and FIOTC

Mutual Market Share & Global 500

Mutual Market Share & Global 500

• Annual ICMIF reports• Six reports completed covering years 2007-2012• Data for nearly 3,500 organisations from 77

countries• Used to build awareness and as an advocacy and

lobbying tool to promote our sector to key stakeholders including regulators, the media, cooperative/mutual owners, general consumer public

• Annual ICMIF reports• Six reports completed covering years 2007-2012• Data for nearly 3,500 organisations from 77

countries• Used to build awareness and as an advocacy and

lobbying tool to promote our sector to key stakeholders including regulators, the media, cooperative/mutual owners, general consumer public

Mutual Market Infographics

Market InsightsNational and regional

Market InsightsNational and regional

• USA • Europe • Latin America• Nordic Countries• UK• France• Germany• Canada

• USA • Europe • Latin America• Nordic Countries• UK• France• Germany• Canada

Strategic InSightsStrategic InSights• CEO insights• Women at the top• Global Reputation report• Telematics• Online Strategies• Member engagement• Marketing case studies• Distribution strategies• Longevity of mutuals• Distinctions and awards• Governance of mutuals• Blog compendium

• CEO insights• Women at the top• Global Reputation report• Telematics• Online Strategies• Member engagement• Marketing case studies• Distribution strategies• Longevity of mutuals• Distinctions and awards• Governance of mutuals• Blog compendium

The winning insurers of the future will be those that:

The winning insurers of the future will be those that:

1. Are a Professional and well run business

2. Customer-centric • Put customers at the heart of all decisions

3. Have a values-based strategy

4. Communicate those values to all stakeholders

5. Engage with customers/members

6. Listen and respond to customers

7. Are in tune with the changing responsibilities of organisations: • Embed social, environmental and ethical issues

in their strategy

8. Fair and transparent in both reporting and governance

9. Innovative and market leaders

10.Create a culture that actively encourages all the above

1. Are a Professional and well run business

2. Customer-centric • Put customers at the heart of all decisions

3. Have a values-based strategy

4. Communicate those values to all stakeholders

5. Engage with customers/members

6. Listen and respond to customers

7. Are in tune with the changing responsibilities of organisations: • Embed social, environmental and ethical issues

in their strategy

8. Fair and transparent in both reporting and governance

9. Innovative and market leaders

10.Create a culture that actively encourages all the above

Digital Mutual MessagesDigital Mutual Messages

Capital and Policyholders’ Surplus 2007-2011

Investment Assets

ICMIF Members’ Key Statistics

Premiums

Product Lines

Balance Sheet

Key Ratios

New member reportsNew member reports

Social Media engagementSocial Media engagement

• New web site launching April 2014 – www.icmif.org • Weekly E-news stories • ICMIFtv & YouTube channel over 20,000 views since start• Leaders Blogs around 30 a year• Facebook page launched in April 2012• Active twitter account over 500 followers over 6,000 tweets• Microsites

• All conferences and events• Takaful – www.takaful.coop• Allnations – www.allnations.coop• Development – www.microinsurance.coop• ICMIF Americas – www.icmifamericas.org

• New web site launching April 2014 – www.icmif.org • Weekly E-news stories • ICMIFtv & YouTube channel over 20,000 views since start• Leaders Blogs around 30 a year• Facebook page launched in April 2012• Active twitter account over 500 followers over 6,000 tweets• Microsites

• All conferences and events• Takaful – www.takaful.coop• Allnations – www.allnations.coop• Development – www.microinsurance.coop• ICMIF Americas – www.icmifamericas.org

Public Relations and Public Affairs StrategyPublic Relations and

Public Affairs Strategy

• The work that ICMIF is doing also helps us in our dealings with regulators.”

• The work that ICMIF is doing also helps us in our dealings with regulators.”

Increasing the Sector’s Visibility

Increasing the Sector’s Visibility

Objectives

• Greater profile with national government/policymakers

• Greater volumes of mainstream business coverage

• Delivering consistent key messages to external opinion formers

• Identify, promote and mobilise sector leaders to lead global conversations

Objectives

• Greater profile with national government/policymakers

• Greater volumes of mainstream business coverage

• Delivering consistent key messages to external opinion formers

• Identify, promote and mobilise sector leaders to lead global conversations

Public Affairs and Public Relations Strategy

Public Affairs and Public Relations Strategy

• Map the global regulatory arena• Understand the key influencers• Understand the key topics• Find common cause• Develop consistent messages • Harness the power of ICMIF Leaders

(spokespeople)• Raise awareness of mutuality among key

stakeholders

• Map the global regulatory arena• Understand the key influencers• Understand the key topics• Find common cause• Develop consistent messages • Harness the power of ICMIF Leaders

(spokespeople)• Raise awareness of mutuality among key

stakeholders

Key regulatory influencers Key regulatory influencers

Governmental Key Issues (1) Governmental Key Issues (1)

Governmental Key Issues (2)Governmental Key Issues (2)

Regulatory Key IssuesRegulatory Key Issues

The Influencing Tool kitThe Influencing Tool kit

Key Influencers – Public Relations

Key Influencers – Public Relations

The News MachineThe News Machine

Delivery of Key MessagesDelivery of Key Messages

The Global Mutual CauseThe Global Mutual CauseAIM

Provide a legal framework that both allows and encourages member-owned insurance organisations in all countries.

ISSUE

Mutual and cooperative insurers are only legally allowed to exist as member-owned businesses in approximately 60% of the world’s nations.

Example

In the G20 there are six countries with no or limited mutual insurance law: Brazil, China, India, Indonesia, Russia and South Africa.

AIM

Provide a legal framework that both allows and encourages member-owned insurance organisations in all countries.

ISSUE

Mutual and cooperative insurers are only legally allowed to exist as member-owned businesses in approximately 60% of the world’s nations.

Example

In the G20 there are six countries with no or limited mutual insurance law: Brazil, China, India, Indonesia, Russia and South Africa.

The Big OpportunityThe Big Opportunity

• Get insurance back on the policymakers agenda

• Promote pro-mutual policies

• Governments want Resilience solutions

• Need solutions by 2015

• Get insurance back on the policymakers agenda

• Promote pro-mutual policies

• Governments want Resilience solutions

• Need solutions by 2015

Share of voice in the global insurance sector

from 14.4% to 20% by 2020Share of voice in the global insurance sector

from 14.4% to 20% by 2020

CapitalCapital

Successful profile raising

Regulatory approved Mutual and Co-operative specific Capital Solutions

Successful profile raising

Regulatory approved Mutual and Co-operative specific Capital Solutions

The Question is….The Question is….

Can you afford not to be part of the fastest growing part of the

insurance industry?

Can you afford not to be part of the fastest growing part of the

insurance industry?