Mr. Kamal Chhabra has spent over 25 years actively engaged in the industry, with experience in all aspects of Life, Bancassurance and Personal Lines. He signed one of the first Bancassurance agreements in the country and has managed over 37 Bancassurance relationships in the region, leading the disruptive growth in business for the last 22 years. Currently Kamal is with Union Insurance as President – Life Bancassurance & Personal Lines. He joined UIC in 2012, bringing with him wealth of experience in Product Development, Reinsurance and Relationship Management. He believes in thinking out of the box with creativity, innovative offerings and tailor made solutions. On joining Union Insurance, he initiated the life and bancassurance portfolio. Today, Union Insurance has won many prestigious contracts in UAE and the region, is the fastest growing company and has become the market leader in Bancassurance. Before joining Union Insurance, Kamal worked for Oman Insurance Co, Dubai from 2000 to 2011. During his tenure, he started Bancassurance vertical and signed contracts with almost all the leading local and multinational banks. His last position in Oman Insurance was Executive Vice President – Bancassurance. Before moving to the Gulf in 2000, he worked as a consultant to prestigious clients in the aviation and financial industries. He has been a speaker at many conferences on various subjects, especially, Bancassurance. He holds a Bachelor’s degree in insurance from Delhi University, is a Post Graduate in Insurance Law and an Associate from the Insurance Institute of India.