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1、December 2025Insurance as a Core Element of Financial Inclusion in Emerging Economies II1Insurance as a Core Element of Financial Inclusion in Emerging Economies Kai-Uwe Schanz Director Financial Inclusion,Geneva Association 2 2Geneva AssociationThe Geneva Association was created in 1973 and is the

2、only global association of insurance companies;our members are insurance and reinsurance Chief Executive Officers(CEOs).Based on rigorous research conducted in collaboration with our members,academic institutions and multilateral organisations,our mission is to identify and investigate key trends th

3、at are likely to shape or impact the insurance industry in the future,highlighting what is at stake for the industry;develop recommendations for the industry and for policymakers;provide a platform to our members and other stakeholders to discuss these trends and recommendations;and reach out to glo

4、bal opinion leaders and influential organisations to highlight the positive contributions of insurance to better understanding risks and to building resilient and prosperous economies and societies,and thus a more sustainable world.Geneva Association publications:Pamela Corn,Director CommunicationsH

5、annah Dean,Editor&Content ManagerJooin Shin,Digital Content&Design ManagerSuggested citation:Geneva Association.2025.Insurance as a Core Element of Financial Inclusion in Emerging Economies.Author:Kai-Uwe Schanz.December.Geneva Association,2025 All rights reservedwww.genevaassociation.orgPhoto credi

6、ts:Cover page Carlos Castilla for ShutterstockSection 1 Josiah Poyugao for UnsplashSection 2 Alex Shuper for Unsplash+Section 3 Resource Database for Unsplash+Section 4 Claudiu Constantin for UnsplashSection 5 Katelyn Perry for Unsplash+Section 6 Alex Shuper for Unsplash+3Acknowledgements 4Foreword