Description: Microinsurance mechanisms provide coverage to low income earners, but a growing middle class is often lacking adequate access to insurance services. The author explores ways in which insurance may be more accessible.

Description: Composition of the new council and news about the International Section. Groupingactuaries living in different parts of the world and practicing in diverse areas of application of actuarial science, the International Section has sustained its relevancein a world that becomes more interconnected. The harmonization of solvency andconsumer privacy laws and regulations, and the establishment of international financial reporting standards, has prompted our Section to deliver content that helps complement the educational offer available from the Society of Actuaries. But actuaries around the world are enthusiastically tapping into predictive analytics, data science, and risk modeling. Accordingly, the SOA offers three certificate programs: • International Financial Reporting for Insurers (IFRI) • Predictive Analytics • Ethical & Responsible Use of Data