Dr. George E. Thomas advises governments, international organizations, and insurance regulators on closing protection gaps through evidence-based research in microinsurance, disaster risk financing, and regulatory innovation.
25+ Years
Global Advisory
40+
Peer-Reviewed Publications
28
Countries Advised
15
Regulatory Frameworks
25+
Years of Experience
Two decades of applied research informing policy at the intersection of insurance, development, and climate resilience.
Designing inclusive insurance frameworks for underserved populations across emerging markets, with particular emphasis on accessibility and affordability.
Developing sovereign and sub-sovereign financial instruments to pre-fund disaster response and build fiscal resilience against climate shocks.
Quantifying and addressing the disparity between economic losses and insured losses across geographies, perils, and demographic segments.
Advising national regulators and international standard-setters on proportionate, innovation-friendly insurance supervision frameworks.
Peer-reviewed publications, policy papers, and working papers shaping global insurance discourse.
Journal of Risk and Insurance
This paper proposes a tiered regulatory framework enabling microinsurance providers to operate under proportionate supervision while maintaining consumer protection standards.
Geneva Papers on Risk and Insurance
An empirical analysis of parametric insurance performance across 15 Caribbean states, evaluating basis risk, payout speed, and fiscal impact on post-disaster recovery.
World Bank Policy Research Working Paper
Quantifies the protection gap across 12 Asian economies and models insurance penetration scenarios under varying climate change pathways through 2050.
IAIS Research Paper Series
Examines regulatory sandbox approaches across 20 jurisdictions and proposes harmonized guidelines for technology-driven insurance distribution in developing markets.
Journal of Development Economics
A randomized control trial measuring the welfare impacts of index-based crop insurance across 3,200 farming households in Kenya and Tanzania.
Journal of Financial Economics
Develops a pricing framework for multi-peril catastrophe bonds tailored to fiscal constraints and risk profiles of lower-middle-income sovereign issuers.
Tailored engagements for organizations seeking evidence-based insurance expertise.
Strategic counsel for national insurance regulators and ministries of finance on supervision frameworks, licensing regimes, and market development strategies.
Keynote addresses and panel contributions at international conferences on insurance inclusion, disaster resilience, and climate adaptation finance.
Collaborative research with universities, multilateral organizations, and industry bodies on emerging risks, protection gaps, and inclusive insurance models.
For advisory mandates, speaking invitations, or research collaborations, please submit an inquiry with details about your organization and objectives.
Response Time
Within 2 business days
Based In
Geneva, Switzerland
Languages
English, French, German