Re: Reinsurance does not replace process — A response to the SIGA–SIC defence

The recent defence of shifts in Ghana’s insurance market, advanced by Raymond Ablorh, rests on a technically sophisticated premise: that the true locus of risk lies not with the local insurer named on a policy, but within the layered reinsurance structures that ultimately absorb exposure. From this perspective, the identity of the lead underwriter is of limited consequence. What matters, the argument suggests, is the integrity of the contract and the strength of its international backing.

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