Sigma’s latest issue, published on December 20, 2011, has established that in real terms, insurance in emerging countries has grown by 11% per year over the last decade. This figure has attained only 1.3% in industrialized countries. In terms of performance, the most dynamic regions are Asia and Latin America, which is likely to attract large international insurers. This is accounted for by a combination of factors like a better economic environment, falling inflation, new regulatory measures, less government intervention, a diversification of distribution channels (bancassurance, internet) and the advent of new products including microinsurance and Islamic insurance.