Sara Lamsam, CEO of Muang Thai Life Assurance, emphasizes the need for insurers and insurtech companies to work together to provide a better end product for customers. Personalization and convenience are key factors in meeting customer needs and bridging the gap between insurance offerings and customer awareness. He sees the insurance industry continuing to grow, particularly in areas like health insurance and retirement savings. Sara also highlights the importance of leveraging technology to enable independent living and other services for the elderly population. To move forward successfully, he believes in the power of collaboration and cooperation among insurtech companies and the broader ecosystem. Democratizing insurance is a great dream, but implementation requires collaboration and overcoming pricing and technological challenges.