Three propositions: Insurance Companies can be systemic importance; Insurance companies should be subject to tougher regulation and supervision; Risks should be assessed on a group-wise basis...

On a Macro level - learn to manage a multigenerational work force! Ensure open communication. Honestly adress concerns. Being open and transaprent will go a long way to flushing out issues and retaining your best people. Respect the different values held by different age groups. This simply...