This panel will explore whether the insurance sector is meeting the true needs of consumers considering, for instance, aging populations, increasing use of technology and various other societal shifts. The discussion will touch on diversity in the consumer population, how to explain insurance effectively and appropriately and opportunities for insurance to innovate and prioritise the customer at every stage of the product life cycle. Moderator: Andrew N. Mais –  Insurance Commissioner, Connecticut and President-elect, NAIC Panellists: Karen Cox – CEO, Financial Rights Legal Centre  Shinichi Kishi – General Manager, Sustainability Management & Development Dpt., Meiji Yasuda Life Insurance Company Indrani Thuraisingham – Vice President and Legal Advisor, Federation of Malaysian Consumers Associations Mark White – Chair, IAIS Market Conduct Working Group and CEO, Financial Service Regulatory Authority of Ontario