Author . Speaker . Strategist

The article argues that climate risk is turning insurance and takaful into a form of climate infrastructure, not merely a mechanism for paying claims after disasters. Starting with El Niño, it notes that while the cycle is natural, a warmer planet intensifies its effects on water supply, agriculture, electricity demand and floods. Globally, insurance is being reinvented through four innovations: parametric and index-based products that pay quickly when thresholds are crossed;

Malaysia has a familiar script for water pollution. A chemical dump in Pasir Gudang, a poultry spill in Jelebu - and the same chorus follows: emergency water cuts, a Menteri Besar visit, then a solemn promise of war on polluters. The country has heard the song so many times that it has begun to mistake the repetition for the rhythm of progress. End of last year, Sungai Johor ran the colour of wet cement. A sand-washing pond near Kota Tinggi had failed. Six retention ponds bre