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Karen Pauli is a research director in the insurance practice at TowerGroup, a research and advisory services firm.In March 2010, TowerGroup released a report entitled, “Microinsurance: Can A $1.00 Premium Represent Both Market Opportunity and Lessons in Innovation?” Written by Karen Pauli, the consulting firm’s research director of insurance, the study defines and explores what can only be called a unique market segment, and offers lessons to be learned from those who have already participated.

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