It is quite apparent that the expansion of the insurance market in many countries of Eastern Europe, Asia, Middle East, South America and Africa depends on the growth of personal lines. Industrial and commercial risks are limited in number and are subject to more cut-throat competition as well as self-insurance and they are not easily underwritten.

We can also hypothesize that personal lines may be developed through modern methods related to statistics, premium audit, actuarial science, advanced IT and the newest lines of communication, rather than painstaking experience and apprenticeship.

Yet, we can forget neither the concepts of risk and uncertainty nor the human element.

Our group of distinguished speakers will present their views and experiences in English and there will be question and answer periods at the end of each session.

We hope that this conference will provide an integration of the technical and the qualitative with successful examples from Europe and/or North America and instruments and forecasts for other regions.

Please join us in our dynamic, historic and scenic metropolis, the only one on two continents.

Fahri Altıngöz

President

Insurance Practitioners' Association