Mr. Debo Ajayi, managing director and consulting actuary of Milliman Inc., Middle East, Africa, and South Asia, tackles the issues of regulation, takaful, manpower shortage, availability of statistics and industry associations. He discusses the need for the regulatory environment to improve disclosure in contracts and upgrade capital requirements to international standards. Ajayi also remarks that collaboration in delivery models using the takaful concept and experience data to reflect local realities is critical to furthering the growth of the industry. (Subscription required.)