Emmanuel Nivet, CEO of AXA Affin General Insurance, discusses the JV's performance, challenges on agency workforce and upskilling (among sales distribution system and workforce issues) and rankings.

He also talks about the challenges of competing for the under-insured SME sector as well as the deregulating motor and fire sectors, which form the majority of Malaysia's insurance industry.

In turn, he discusses risk management and his desire for specificity in premiums for differing classes of user.

He also talks about M&A in local insurance sector and whether they are buyers or sellers. He adds insights on the firm's investment performance.

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