Dr. Ivo Mendoza and Prof. Zuzana Shongwe (2024) “Toward a Unified Global Insurance Framework: Addressing Regulatory Disparities in Emerging Economies”, International Insurance Law Review, 32(4), pp. 33–71. Available at: https://lumarpub.com/iilr/article/view/32.4.2 (Accessed: 14 April 2026).