"The overall industry seems to have understood the need to change the attitude from selling what it has to what the customer needs. This realization has led to the development of add-ons and modular products which are quite flexible in nature."

About Mr. Lahiri - Mr. Samiran Lahiri is widely regarded as one of India's most accomplished insurance professionals and consultants, known for his strategic insight, deep technical acumen, and exemplary leadership across diverse domains of the insurance and financial services industry.

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He began his career in 1987 as a Direct Recruit Officer with The Oriental Insurance Company Ltd., marking the start of a distinguished professional journey that has spanned over three decades. Over the years, Mr. Lahiri has held several prominent leadership positions both in India and overseas - including Chief Operating Officer at Rainbow Insurance, Mauritius; President - Financial Products Distribution at Peerless Developers Ltd.; and Chief Executive Officer at Asia Meditech Solutions, Nepal. Since 2015, he has been steering Preferred Partners Insurance Brokers Pvt. Ltd. as its Executive Director and CEO, driving the firm's growth, innovation, and client-centric excellence. An alumnus of Jadavpur University, Mr. Lahiri holds a bachelor's degree in Economics, followed by a postgraduate degree from the distinguished Centre for Economic Studies and Planning (CESP) at Jawaharlal Nehru University (JNU) - one of India's most reputed schools of economics.

A passionate academic at heart, Mr. Lahiri is deeply committed to mentoring and teaching. He is associated with premier management institutions including IIM Calcutta, IIM Bangalore, and BIMTECH, where he serves as visiting faculty/ guest faculty, sharing his extensive industry experience and fostering the next generation of business leaders.

Q: According to you, what has been the marked change in underwriting attitude/scenario of the General Insurers of India in modern times?