Other areas that pose a challenge for developing countries include the potential impact of the operations of insurance companies on the activities of policyholders and the economy as a whole, the impact of emerging trends in the global insurance market, the need to overcome supply-side constraints, the need to raise public awareness about the benefits of insurance coverage, the need to build human capacity and how to take advantage of changes arising from liberalization and globalization within the insurance sector to develop export opportunities. The role of regional/South-South cooperation and that of government as a facilitator, regulator and provider of.