Protection sociale et assurance vie au cœur des débats à Dakar
Gathered in Dakar at the Life Insurance Exhibition, experts from the public and private sectors discussed the challenges related to social protection and financial security in a context marked by a large informal sector. The discussions highlighted the need to expand social coverage to better integrate self-employed workers, who represent a majority of the working population and remain largely excluded from traditional retirement schemes.
The speakers highlighted the structural limitations of existing public pension schemes, particularly the perceived inadequacy of pension payments. This situation weakens income after retirement and exacerbates the vulnerability of elderly households. In light of these findings, collaboration with private insurers was presented as a viable solution, notably through the development of supplementary pensions, life insurance, and education annuities, which can smooth income over the long term.
The discussions also focused on the need for parametric and institutional reforms to improve the sustainability of current systems and gradually raise pension levels. Several participants emphasized the importance of a more incentive-based regulatory framework to encourage long-term savings and strengthen policyholder confidence.
A consensus emerged regarding the structuring role that insurance companies can play in expanding social protection. In the medium term, the idea of a mandatory supplementary pension scheme for all workers was raised as an option likely to provide long-term income security after retirement and strengthen social cohesion.
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