Tuesday, 11 August 2015

KEY NOTE ADDRESS BY ALHAJI MOHAMMED KARI, COMMISSIONER FOR INSURANCE/CHIEF EXECUTIVE NATIONAL INSURANCE COMMISSION AT THE INVESTITURE OF LADY ISIOMA CHUKWUMA AS THE 47TH PRESIDENT OF THE CHARTERED INSURANCE INSTITUTE OF NIGERIA HELD ON TUESDAY 11TH AUGUST, 2015 IN LAGOS


Protocol
I am pleased to be here this afternoon to witness the investiture of Lady Isioma Chukwuma as the 47th President of the Chartered Insurance Institute of Nigeria. I want to salute the outgoing President and Chairman of Council, Mr. Bola Temowo, and members of the Governing Council of the Chartered Insurance Institute of Nigeria (CIIN), for their steadfast commitment towards the promotion of insurance education in Nigeria this past one year.

As you pass on the mantle of leadership of the Institute, I want to congratulate you and your team for a successful tenure. Let me equally congratulate you for the success achieved with the official opening of the Institute’s Centre for Insurance and Financial Management Studies (CIFMS). It is indeed a landmark achievement. I believe that given the choice made here today, Lady Chukwuma would be able to sustain the level of development in the Institute. So it might be safe to say the leadership of the CIIN is in competent hands.

I want to seize this opportunity being my first official public engagement as Commissioner for Insurance to say thank you to all those who sent me messages of congratulations and prayers on my appointment. I join you all in praying that God grants us the strength and wisdom to lift the industry another notch from where it is today. Permit me to also use this medium to seek your continuing support and cooperation in piloting the affairs of my new responsibilities. I thank you in advance for your additional prayers.
Current developments in the country obviously call for our collaborative effort to reposition the profession and the industry. We should not be unmindful of the perception of the insurance profession by the public. The apathy towards insurance and the way and manner the profession is being addressed need a rethink from all of us. We all know the whys, let’s us discuss dispassionately and agree the hows of correcting the wrong perceptions.
In his paper “The Test of Professionalism in the Insurance Industry, 2006.” Wale Onaolapo summarized the common conditions in judging a profession as “an organized body of knowledge, client (member) recognition of the authority of the profession, a code of ethics, and a professional culture nurtured by professional associations”. This conditions are so basics that one wonders why we would select to be in a profession, yet refuse to recognize its ethics, culture and its authority. The best approach is always for the professionals to do it themselves. Left undone, the regulators has no option but to ensure it is done.
There is need for a reawakening to ensure only trained personnel are allowed to practice. You will agree with me that insurance services are being rendered by persons and bodies without adequate training. We must embrace professionalism as core value in our industry.  To achieve that we must train all persons that carry our flags to our consumers.
As the Professional arm of the industry, indiscipline and unethical practices by your members should be of grave concern to the institute. Insurance practitioners and professionals should be seen to uphold the tenets of the profession both in their words and actions. It is not enough for the Institute to breed and certify insurance professionals only, but must also ensure that they are regularly updated through training and retraining to enable them measure up with current global trends.
Training should be of paramount importance to the institute for the development of practitioners. To this end we already have held preliminary discussion with the Rector of the Centre for Insurance and Financial Management Studies (CIFMS) towards developing acceptable curriculum for the training of different level of practitioners and an annual mandatory refreshers training thereafter. 
I would want to see the institute become a one stop shop for the teaching of good ethics and building good characters as it relates to the practice of insurance.Insurance practitionersshould always imbibe the spirit of professionalism in their dealings.
If we truly practice as professionals that we say we are, we should be mindful of our actions and how we carry ourselves. We should be seen as men and women of proven integrity, we should avoid unethical practices because it will not only send bad signals to the public, it will further erode the little respect left.
Perhaps, by these remarks, I may have started setting the agenda for the in-coming President and Chairman of Council. LadyChukwumais a woman well known within the industry and beyond, and I believe she would be able to consolidate on the achievements of her predecessor as well as confront the various challenges bedeviling the industry at the moment. 
I have knownLady Chukwuma as far back as the early 1990s; I have known her as a thorough bred professional and one that is also deeply concerned on how to defend her profession. I believe she is in a position to give the insurance industry purposeful and disciplined leadership. I am also convinced that she has the wherewithal to deliver and I would like to assure her that she would not lack the requisite support from all of us individually and from the National Insurance Commission (NAICOM) as an institution to make her tenure a successful one.

For her to succeed, she will also need your (Members) cooperation. Her success is ultimately the success of the industry and we should all see it from that view point. In the same vein, if the industry must make progress, operators must see each other as colleagues and not enemies. We must step up our game and learn to respect each other and play by the rules.
The Commission will continue to support the Institute especially in the areasof new program designs, development of new curriculum for adequate capacity building, and in the training and retraining of insurance practitioners. This is a global practice.
As we are aware, this is the era of change. The insurance industry certainly cannot be left behind in the scheme of things. I therefore urge the CIIN to uphold and encourage its members to adhere strictly to the observance of the industry’s codes of conduct and ethics for a healthy practice of the insurance profession.

NAICOM as a regulator is committed to high standard of professionalism and ethical behaviour in the insurance industry so as to regain the confidence of policyholders and increase insurance contribution to the GDP.If we must win the public apathy to the business of insurance we must desist from unwholesome practices in the discharge of our responsibilities to the insured by playing as true professionals.

On a final note, I am confident the President would improve and add value to what her predecessors have achieved.I pray that Almighty God grants her wisdom to lead us well, Amin.

I wish you a successful tenure.

Thank You
Mohammed Kari
Commissioner for Insurance/CE

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