Dr. Siphiwe Ndlovu, Dr. Chipo Musonda and Dr. Adama Traoré (2024) “Legal Pathways for Inclusive Insurance: Addressing Accessibility and Equity in Emerging Markets”, International Insurance Law Review, 32(2), pp. 23–40. Available at: https://lumarpub.com/iilr/article/view/32.2.2 (Accessed: 1 May 2026).