Acknowledgements
The Author would like to extend his appreciation to those that have kindly provided information including Dr Ma’sum Billah (IIU), Per-Olof Granstedt (NTUC INCOME), Gunvall Grip (Folksam), Zahid Qureshi (ICMIF), Kulmie Samantar (FNMF), Aloysius Teo (NTUC INCOME), John Wipf (CCA), Kevin Vogt (Nationwide), Ellis Wohlner (Folksam) and ICMIF Reinsurance Services. Additionally, a special thanks to Samuel Maimbo (The World Bank) for guiding the structure of the paper and the Institute for Development Policy and Management at the University of Manchester for the use of their resources and expertise.
The study would not be complete without the invaluable contribution and feedback of those that kindly reviewed the document and provided their ideas and suggestions namely Hans Dahlberg (ICMIF), Birgitta Lindström Thordarson (ACME) and Lars Erik Lundqvist (ICMIF Reinsurance services).
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