A prolonged low-rate environment is forcing Chinese insurers to rethink product design, with participating policies emerging as a core strategic and credit-supportive pillar.
With alternative investment yields fading and bond returns under pressure, insurers are reshaping portfolios and leaning on capital markets, increasing vulnerability to earnings shocks.
With 18 years across healthcare and insurance, Sharma joins a fast-expanding India team following Howden's move to bring the business under its Asia region.
