The fourth part deals with country experiences in the insurance sector specifically the experiences of China and Africa based on two case studies undertaken specifically for the meeting. It also focuses on the experiences of insurance providers from developing countries such as Guatemala, India and South Africa. The experiences of Indian insurance provider JB Boda in terms of its operations and the challenges the company faces as well as that of Basil Reekie, chief executive officer, QED, and chairman, African Life Committee, are very illuminating in this regard. The fifth part considers the challenges faced by developing countries in a.