Extract from. Études et Dossiers No The New Welfare: The Counter-Ageing Society

Transcription

1 International Association for the Study of Insurance Economics Études et Dossiers Extract from Études et Dossiers No. 335 The New Welfare: The Counter-Ageing Society Lengthening of Life-cycle, Employment, Pensions and Health 8 October 2007 Turin November 2007 Working Paper Series of The Geneva Association Association Internationale pour l'etude de l'economie de l'assurance The Geneva Association - General Secretariat - 53, route de Malagnou - CH-1208 Geneva Tel.: Fax: secretariat@genevaassociation.org -

2 The Geneva Association Working Paper Series Études et Dossiers appear at irregular intervals about times per year. Distribution is limited. The Études et Dossiers are the working paper series of The Geneva Association. These documents present intermediary or final results of conference proceedings, special reports and research done by The Geneva Association. As they contain work in progress or summaries of conference presentations, the material must not be cited without the express consent of the author in question. Layout & Distribution: Valéria Kozakova The Geneva Association - Association Internationale pour l'etude de l'economie de l'assurance

3 Table of contents Programme 0-1 List of speakers 0-7 List of participants 0-9 SESSION 1: THE BIOLOGICAL LIMITS: SCIENTIFIC AND TECHNOLOGICAL ADVANCES Longevity and Predictive Medicine 1-1 by Vincenzo Marigliano Scenarios for Health Funding and Policies in Europe 2-1 by Nick Bosanquet Domotics in the Counter-Ageing Society 3-1 by Nicola Pangher The Longevity Revolution 4-1 by Jean-Marie Robine SESSION 2: HEALTH AND AGEING Health and Ageing: The case for Long-Term Care 5-1 by Philippe Trainar A Longer Life: Scenarios for a Counter-ageing Revolution (Italian version only) 6-1 by Raimondo Cagiano de Azevedo Functioning and Disability in Ageing Population in Europe: What Policy for 7-1 which Interventions? by Matilde Leonardi Health and Long-Term Living: Trends and Best Practice in Europe 8-1 by Angelo Carenzi Why the Young Generation takes no Interest in the Long-Life Society, but why 9-1 they should by Gordon Wollgam SESSION 3: WORK AND PENSION: THE STRATEGY OF THE FOUR PILLARS The Strategy of the Four Pillars in a Long-life Society 10-1 by Geneviève Reday-Mulvey Work and Pension in Sweden 11-1 by Eskil Wadensjö

4 La Gestione dell invecchiamento Attivo: Fra Allungamento dell età Pensionabile 12-1 e Allargamento del Lavoro (Italian version only) by Maria Luisa Mirabile La strategia del Pensionamento Flessibile (Italian version only) 13-1 by Angelo Scarioni SESSION 4: EUROPEAN POLICIES FOR THE NEW WELFARE: PUBLIC AND PRIVATE CONTRIBUTIONS The Political Economy of State-Based Pension Reforms 14-1 by James C. Capretta Pension Reform in EU Member States: Progress and Challenges 15-1 by Ruth Paserman Company Measures for Retention and Reintegration of Workers at Risk of 16-1 Exclusion: European Experience with Older Workers by Jorma Karppinen Should we have a EU Wide Minimum Guaranteed Income Scheme? 17-1 by Tito Boeri Active Ageing and Pension Policies in the Context of the European Employment 18-1 Strategy by Martin Hutsebaut The Role of Science for the European Welfare 19-1 by Ivo Slaus GENERAL INFORMATION List of past Etudes et Dossiers Working Paper Series 20-1 The Geneva Association 20-3

5 The Risk Institute The New Welfare: The Counter-Ageing Society Svecchiamento e Società (Lengthening of Life-Cycle, Employment, Pensions and Health) Turin, October 8, 2007 Hotel Principi di Piemonte - Via Gobetti, 15 The conference The New Welfare: The Counter-Ageing Society, Svecchiamento e Società (Lengthening of Life-Cycle, Employment, Pensions and Health), organized by Macros Research, The Geneva Association and The Risk Institute, will focus on the lengthening of life-cycle and its repercussions on the Welfare State systems. It has the aim to stimulate and exchange ideas on the economics of ageing related to employment, pensions and health in the European and international context. It will host high-level speakers, offering the benefit of their expertise and will be attended by a hundred experts, including academics, insurance and finance managers, policy makers and professionals of this sector. The event will last one day and the main topics for discussion will be covered in four panel sessions with a special contribution. Session 1 Session 2 Special Guest Session 3 Session 4 The Biological Limits: Scientific and Technological Advances Health and Ageing Mr. Claude BEBEAR, President of the Supervisory Board, AXA Group Work and Pension: The Strategy of the Four Pillars European Policies for the New Welfare: Public and Private Contributions The Geneva Association, Macros Research and The Risk Institute wish to acknowledge the financial support for the conference from: FONDIARIA SAI EURIZON Vita Special Thanks to Intesa Sanpaolo With the support of National Association of Insurance Companies In collaboration with Centre for Research on Pensions and Welfare Policies, University of Turin Simultaneous translation in English and Italian 0-1 CONTACTS Macros Research: Tel , conference@macrosresearch.it - The Geneva Association: Tel , secreteriat@genevaassociation.org- The Risk Institute (Trieste/Milan/Geneva): Tel , risk_institute@genevaassociation.org;

6 Monday, 8 October 2007 The New Welfare: The Counter-Ageing Society Svecchiamento e Società (Lengthening of life-cycle, employment, pensions and health) Turin, October 8, am Registration of the participants Hotel Principi di Piemonte - Via Gobetti, am Welcome/Opening Remarks Note di apertura Enrico SALZA, President of the Management Board, INTESA SANPAOLO Fausto MARCHIONNI, CEO & Director General, FONDIARIA SAI 9.10 am Special Address Intervento di Apertura Fabio CERCHIAI, President, ANIA 9.30 am SESSION 1 THE BIOLOGICAL LIMITS: SCIENTIFIC AND TECHNOLOGICAL ADVANCES I limiti biologici: i progressi della scienza e della tecnologia Chair: Orio GIARINI, President, The Risk Institute, Geneva - Trieste - Milan Vincenzo MARIGLIANO, Director, Ageing Sciences & School of Geriatrics, University of Rome La Sapienza Longevity and Predictive Medicine Nicolas BOSANQUET, Professor of Health Policy, Imperial College, London Scenarios for Health Funding and Policies in Europe Nicola PANGHER, Director, Research & Member of the Board, ITALTBS, Area Science Park, Trieste Domotics in the Counter-Ageing Society Jean Marie ROBINE, Research Director, French National Institute of Health and Medical Research & University of Montpellier The Longevity Revolution am Coffee or Tea Break am SESSION 2 HEALTH AND AGEING / Salute e allungamento del ciclo di vita The Risk Institute Understanding and monitoring the scientific and technological advances in many fields as biology, medicine, gerontology, information technology/ Delineare i progressi e gli sviluppi in tutti i settori della scienza e della tecnologia: dalla biologia alla medicina, dalla gerontologia ai sistemi informativi The lengthening of life-cycle and living longer in better health mean increased costs for research and treatments in this area. They might double in terms of percentage of GNP in some countries within the next 20 or 30 years/ L allungamento della durata di vita e le migliori condizioni di salute implicano un aumento dei costi, che in termini di PIL, potrebbero raddoppiare fra 20 o 30 anni Chair: Orio GIARINI, President, The Risk Institute, Geneva - Trieste - Milan Philippe TRAINAR, Chief Economist Officer, SCOR Group, Paris Health and Long Term Care Expenditures: Trends and their Coverage in an Ageing World Raimondo CAGIANO DE AZEVEDO, Professor of Demography, University of Rome, La Sapienza A Longer Life: the Counter-ageing Revolution Matilde LEONARDI, Italian National Neurological Institute C. Besta, Milan Functioning and Disability in Ageing Population in Europe: what Policy for what Interventions? Angelo CARENZI, Director, EIPA-CEFASS (EU Training Centre Social Affairs & Public Health Care), Milan Health and Long-Term Living: Trends and Best Practices in Europe Gordon WOLLGAM, TT30 The Club of Rome s Youth Organisation, Zurich Why the Young Generation takes no Interest in the Long-Life Society, but why they should 0-2

7 The Risk Institute 1.10 pm Buffet Lunch LUNCH SPEAKER - SPECIAL GUEST Patrick M. LIEDTKE, Secretary General and Managing Director, The Geneva Association Old-age Security: Conventional and Unconventional Errors in Tackling Key Challenge for the 21st Century 2.20 pm SESSION 3 WORK AND PENSION: THE STRATEGY OF THE FOUR PILLARS Lavoro e Pensioni: la Strategia dei Quattro Pilastri The management of the welfare system, related to retirement will require a clear understanding of the Four Pillars Strategy, extending working life/ La strategia dei Quattro Pilastri con l allungamento della vita lavorativa potrebbe rappresentare un sistema innovativo per la gestione del welfare State, già in parte in atto in alcuni paesi europei Chair: Fausto MARCHIONNI, CEO & DG, FONDIARIA-SAI Group Introduction on The Four Pillars Strategy by Geneviève REDAY-MULVEY, Head of Research of The Four Pillars programme, The Geneva Association, Geneva Input Speech on Work and Pension in Sweden by Eskil WADENSJÖ, Swedish Institute for Social Research, Stockholm University Discussants Elsa FORNERO, Director, CeRP & University of Turin Marcello MESSORI, Professor of Economics,University of Rome Tor Vergata & President, Assogestioni Maria Luisa MIRABILE, Director, La Rivista delle politiche sociali & IRES, Rome Angelo SCARIONI, President, Macros Research & Editor The European Papers, Milan Paolo SESTITO, Economic Research Department, Bank of Italy, Rome 3.45 pm Coffee or Tea Break 4.00 pm SESSION 4 EUROPEAN POLICIES FOR THE NEW WELFARE: PUBLIC AND PRIVATE CONTRIBUTIONS Politiche Europee per il Nuovo Welfare: ruoli privati e pubblici The welfare State systems of the various European countries have huge differences, although the basic social and economic problems are very similar all over Europe. It will be necessary and useful to develop more and more convergences leading to European solutions / I sistemi di welfare State dei vari paesi europei sono molto diversi tra di loro, tuttavia i problemi sociali ed economici di fondo sono molto simili. E auspicabile ed utile che si possa sviluppare delle convergenze per arrivare a soluzioni europee Chair: Sarah HARPER, Director, The Oxford Institute of Ageing, University of Oxford James CAPRETTA, CSIS (Centre for Strategic & International Studies) Washington DC The New Welfare: The Political Economy of State-Based Pension Reforms Ruth PASERMAN, European Commission, DG EMPL and Social Affairs, Brussels Pension Reform in EU Members States: Progress and Challenges Jorma KARPPINEN, Director, EUROFOUND (EU Foundation for the Improvement of Living and Working Conditions), Dublin - Brussels Company Measures for Retention and Reintegration of Workers at Risk of Exclusion Tito BOERI, Professor of Economics, University Bocconi & Fondazione Rodolfo De Benedetti, Milan Should we have a EU Wide Minimum Guaranteed Income Scheme? Martin HUTSEBAUT, Secretary to the Director s Committee, EU Trade Union Institute, Brussels Active Ageing and Pension Policies in the Context of the European Employment Strategy Ivo SLAUS, President South East Europe World Academy of Art and Science, Zagreb The Role of Science for the European Welfare 5.30 pm CONCLUDING REMARKS/ Conclusioni Livia TURCO *, Minister of Health 6.00 pm END OF THE CONFERENCE/ Chiusura del convegno 0-3 * to be confirmed/ in attesa di conferma

8 The Risk Institute About the Organizers at a glance The Geneva Association Macros Research The Risk Institute The Geneva Association is a unique non-profit worldwide organisation formed by some 80 Chief Executive Officers of the most important insurance companies in Europe, North America, South America, Asia, Africa and Australia. Its main goal is to research the growing economic importance of insurance activities in the major sectors of the economy. The Geneva Association acts as a forum for its members, providing a worldwide unique platform for the top insurance CEOs. It organizes the framework for its members and their companies to exchange ideas and discuss key strategic issues. It has established large international networks of experts and high-level industry platforms. Today after more than 30 years of existence, The Geneva Association has become a fixture for the insurance world through the quality of its research and the expertise of its global networks. Macros Research, founded in 1987 in Milan, conducts surveys and researches for the financial sector, insurance companies and banks. It belongs to Macros Group, which is made up of two other companies: Macros Consulting, operating in the field of top management strategic consulting, and Macros Risk Management, a consulting company dealing with integrated risk management. Macros Research carries out research projects and studies according to a multidisciplinary approach in order to analyse and investigate from both economic and financial perspectives - the management of economic and social risks in the public and private sectors. The goal of Macros Research is to promote and carry out theoretical and empirical researches in the area of Insurance Economics and Economics of Ageing with particular reference to their impact on the welfare State, pensions and health. Macros Research has published several books and articles and, with the Risk Institute, is the Editor of the European Papers on the New Welfare the counter-ageing society. The Risk Institute is partly supported by The Geneva Association and it was established in order to extend the studies on the issues of risk, vulnerability and uncertainties to the broader cultural, economic, social and political levels of modern society. The starting point defining the programme of action was an informal meeting held in Paris in Among the participants were Raymond Barre, André Danzin, Fabio Padoa, Richard Piani, Edward Ploman, Alvin and Heidi Toffler and Orio Giarini. Ever since The Risk Institute has been mainly concerned with a research programme on social and economic issues deriving from extending human life expectancy, which is considered the most relevant social phenomenon of our times. The Risk Institute is the Editor of the European Papers on the New Welfare the counter-ageing society with Macros Research

9 The Risk Institute About the Contributors at a glance Fondiaria Sai Group is the third-largest Italian insurance group, second in the Property and Casualty field and first in motor insurance, with 10 billion euro in premiums collected, more than 9 million clients and around 6,000 employees. In distributing the insurance, financial and banking products and services of its prestigious brands (Sai, Fondiaria, Milano, NuovaMaa, La Previdente, Italia, Siat, Sasa, Liguria...) the Group can count on the most widespread, highly qualified consultancy and insurance-financial sales network on the national market (3,500 agencies, 1,500 financial advisors and almost 5,000 branches with bank-insurance agreements). The Group is present in the insurance industry with two listed companies (Fondiaria-Sai and Milano Assicurazioni) and more than 100 subsidiaries, operating in the real estate, agricultural, assistance and services sectors. EurizonVita, a company of Intesa Sanpaolo Group, is one of the leading life insurance and bancassurance companies in Italy. EurizonVita focuses on product innovation to develop state of the art solutions to meet the new demands related to the changing socio-demographic trends in Italy and to the reform of the Italian pension system. EurizonVita offers traditional life policies, unit-and index-linked policies, pension solutions and funds, distributing its products through the Sanpaolo branches (now part of the new Intesa Sanpaolo Group), the Banca Fideuram and Sanpaolo Invest private bankers and its own network of pension specialists. The Intesa Sanpaolo Group is the leading banking group in Italy, where it serves about 10.5 million customers, and one of the top banking groups in Europe. It is the result of the recent merger between two banks that had previously played major roles in the consolidation process of the Italian banking industry, becoming two of the forefront players at the domestic level. The Intesa Sanpaolo Group is the undisputed leader in Italy in financial activities addressed to both individuals and enterprises with the following market shares: pension funds (32%), asset management (31%), foreign transactions (a 27% market share in foreign trade payments), bancassurance (24%), factoring (23%) and banking intermediation (20% in customer loans and deposits). The Group also enjoys strategic coverage in Central-Eastern European markets where it is currently positioned among the top players in several countries. In fact, through its local subsidiaries, the Group ranks second in Albania, Croatia, Hungary, Serbia and Slovakia, fifth in Bosnia and Herzegovina and seventh in Slovenia. ANIA represents insurance companies operating in Italy. The Association has 191 companies in membership. Between them, they provide 91% of domestic insurance premium. Its main task is to protect the insurance industry s interests combining them with the Nation s general interests, in the creation of a model of sustainable development recognised by Institutions and by the public opinion. The Association represents the Italian insurance companies in the relations with the main political and administrative institutions, included the Government and the Parliament, the labour organizations and the other social forces. CeRP has been founded in 1999 as a joint project of the University of Turin and the Compagnia di San Paolo. The main research topics include pension systems design, reform and evaluation; households saving; retirement patterns, paths and choices; life insurance and annuities; intra/intergenerational redistribution induced by different pension systems; public policies and incentives towards retirement savings; intergenerational accounting; welfare policies directed at the elderly; participation in supplementary pensions; governance and financial aspects of pension funds. Research is performed both at the micro and at the macro level, and a special attention is devoted to policy aspects

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11 List of speakers Boeri, Tito Professor of Economics University Bocconi & Rodolfo De Benedetti Foundation Cagiano De Azevedo, Raimondo Professor of Demography University of Rome La Sapienza Carenzi, Angelo Director EIPA-CEFASS Fornero, Elsa Director CeRP and University of Turin Harper, Sara Director The Oxford Institute of Ageing, University of Oxford Karppinen, Jorma Director EUROFOUND, Dublin and Brussels Liedtke, Patrick M. Secretary General & Managing Director The Geneva Association Marigliano, Vincenzo Director Ageing Sciences & School of Geriatrics, University of Rome La Sapienza Mirabile, Mariua Luisa Director IRES Pangher, Nicola Director, Researcher and Member of the Board ITALTBS, Area Science, Trieste Robine, Jean Marie Research Director French National Institute of Health and Medical Research & University of Montpellier Bosanquet, Nicolas Professor of Health Policy Imperial College, London Capretta, James Consultant CSIS, Washington DC Cerchiai, Fabio President ANIA Giarini, Orio President The Risk Institute Hutsebaut, Martin Secretary to the Director s Committee EU Trade Union Institute, Brussels Leonardi, Matilde Professor Italian National Neurological Institute C. Besta Marchionni, Fausto CEO and Director General Fondiaria-Sai Messori, Marcello Professor of Economics University of Rome Tor Vergata Reday-Mulvey, Geneviève Head of Research Programme The Four Pillars The Geneva Association Paserman, Ruth DG Employment and Social Affaires European Commission Salza, Enrico President of the Management Board Intesa Sanpaolo 0-7

12 Scarioni, Angelo President Macros Research Slaus, Ivo President South East Europe World Accademy of Art and Science Wadensjo, Erik Professor Swedish Institute for Social Research, Stockholm University Sestito, Paolo Economic Research Department Bank of Italy Trainar, Philippe Chief Economist Officer SCOR Group Wollgam, Gordon Researcher TT30 The Club of Rome s Youth Organisation 0-8

13 List of participants Surname Name Position Organization Abio Gemma Teaching Professor University of Barcellona Aeberhardt Werner Head Labour Market Analist social policy State Secretariat of Economic Affaires SECO, Bern Aiello Stella Director General Liguria Assicurazioni. Andriani Antonio President Montepaschi Vita Silvano Angotti Amalia Journalist ANSA Baptiste Florence Project Manager Poliedra Baseggio Giulio Co-director General Banca-SAI Bauhofer Genevieve Founder AZI Innovation Mettler Bedogni Pier Vice Director General Fondiaria-Sai Giorgio Belloni Michele Researcher CeRP Berdondini Pier Luigi Comunication Department Fondiaria-Sai Bigio Riccardo Consultant Macros Risk management Blasi Simone Head of Public Relations Intesa Sanpaolo Bocchino Umbero Milano Assicurazioni Bongiorno Charles Manager Healthcare Insurance INA Assitalia Bortolini Alessandro Liguria Assicurazioni Paserman Ruth Director European Commission - DG EMPL and Social Affairs Boscaini Paola Fondiaria-Sai D33 Botto Pietro CEO Unicredit Assicura Bozzelli Serena Public Relation Office Intesa Sanpaolo Brocca Attilia Journalist ADN Kronos Busso Marco Consultant Deloitte Carniol Fabio Director of Bancassurance Cattolica Assicurazioni Caselli Graziella Professor University of Rome La Sapienza Castellino Onorato Professor University of Turin Casu Marco General Manager Eurizon Vita Cavatorta Liliana Head of Risk Management Fondiaria-Sai Chiriatti Realino General Secretary CESAR Ciabattini Claudio Senior Underwriter SCOR Conte Pino Journalist Sole 24 Ore Croda Enrica Professor University of Venice Ca Foscari Dep of Economics Dal Conte Federica Public Relation and Communication Department Fondiaria-Sai S.p.A. 0-9

14 Dario Claudio Director general ULSS Treviso De Marchi Giorgio General manager Teknadria Di Cavio Federica Retirement Programs Unit Intesa Sanpaolo Di Pierro Dario Researcher Assistant Laboratorio R Revelli Donadio Germano Life Director Groupama Vita D'Ovidio Francesco Professor University of Bari - Dep of Economy Erbetta Emanuele Co-director General Fondiaria-Sai Ferrante Sabrina Fondiaria-Sai Firpo Stefano Assistent of the President Intesa Sanpaolo Fusciani Marco Director General SASA S.p.A. Giorgi Silvana Senior Market Intelligence - Consultant Giudice Eugenio Journalist ASCA Iama Consulting Grandi Augusto Journalist Il Sole 24 Ore Guasco Raffaele Co-director General Milano Assicurazioni Haller Matthias Professor University of St Gallen Hessel Roger Lecturer EIPA CEFASS Kay Heidy Consultant University of Tampa, Florida Lerza Enrico Reinsurance Manager Eurizon Vita Loiselet Alexandra Head of Developement (Insurance and Financial) Schroeders Maranzana Luigi Chairman Eurizon Financial Group. Eurizon Vita Marchionni Fabio Co-director General Milano Assicurazioni Marras Alberto Co-director General Fondiaria-Sai Maturi Alberto Maria Vice Director General and CEO Banca Fideuram Melloni Alessandro Co-director ERGO Italia Mezzolani Marco Fondiaria-Sai Michaud Massimo President AXA Italia Montani Gianni Journalist Reuter Motroni Antonello Financial and Ecomonic Sector MEFOP Negrin Dino President and CEO Dialogo Assicurazioni Neu Christian Director General Milano Assicurazioni Otto Novarese Andrea Vice Director General Fondiaria-Sai Pace Daniele Consultant Tailor Consulting Paniccià Maurizio Research Department Actuary Pioneer Global Asset Management Pasetti Angela Fondiaria-Sai Paulli Angelo Research Manager Macros Reserch 0-10

15 Pavia Maria Laura Head of New Business Projects Unicredit Assicura Pazzi Lorenzo Fondiaria-Sai S.p.A. Pontremoli Roberto President Macros Risk Management Pellegrino Simone Fixed term Professor University of Turin Pellini Sergio Resarcher Iama Consulting Pellisier Ian Journalist Italia Oggi Piatti Laura Head of Retirement Programs Unit Pillot Jaques President CRIAS Intesa Sanpaolo Pipino Gianluca Head of Strategic Studies AXA Italia Pirrone Agostino Journalist Agenzia Piemonte Lavoro Pollino Enrico Director General Assimoco Pozzoli Roberto Consultant Macros Risk Management Proietti Marco Trade Union Filea Cisl Rapisarda Fausto President Assistent Fondiaria-Sai Richiardi Matteo Assistant Professor University of Marche Rigamonti Ettore Vice Director General Fondiaria-Sai Rigoni Andrea General Manager Eurizon Financial Group Rinaldi Francesca Isabella Bocconi University Rocco Giuseppe Retirement Programs Unit Intesa Sanpaolo Rossi Stelio Senior Account Executive GenRe Salvati Sandro Scientific Committee Coordinator Salza Enrico President of the Management Board ANIA Intesa Sanpaolo Savorelli Lorenzo Head of Research Assicurazioni Generali Scalpi Stefano Journalist Imago Economic Scarso Giampaolo Risk Manager Segment Leader Marsh Settimo Cristina Researcher Assicurazioni Generali Sgambetterra Sergio Fondiaria-Sai Sinatra Remo Vice Director General Fondiaria-Sai Slaus Ivo President South East Europe World Academy of Art and Science Stattin Erick Managing Director Intesa Vita Stepanek Martin Dep. Of Social Securuty Ministery of Labour, The Czech Republic Talarico Antonio CEO and Director General Immobiliare Lombarda Tagliabue Mara Research Manager Macros Research Tellier Siri Directeur - Office in Geneva UNFRPA, Geneva Testi Andrea Researcher MEFOP 0-11

16 Tibiletti Luisa Professor University of Turin Traverso Marco Journalist Il Giornale Tudor Moldovan CEO Assicurazioni Generali, Romania Tusino Luigi CEO SASA S.p.A. Vai Carola Journalist AGI Vecchio Filippo Director Intesa Sanpaolo Vignati Fabrizio Public Relation and Communication Department Fondiaria-Sai Villa Daniale Researcher Macros Research Villaret Mateu Professor University of Girona, Spain Warin Patrick Director General Groupe Ecole Nationale d' Assurance, Paris Zorza Alessandra Head of Life Operations SCOR Zecchin Marco Professor University of Trieste 0-12