In a nation of more than 220 million people, Nigeria's insurance sector captures less than one percent of GDP — a silence that speaks not to ignorance, but to a deeper estrangement between an industry and the people it was built to serve. At the launch of AXA Mansard's 'Culture of Care' campaign, industry leaders argued that the path forward is not merely regulatory or financial, but philosophical: insurance must be reframed as an act of human care rather than a reluctant expense. Structural reforms like the Nigerian Insurance Industry Reform Act of 2025 are laying new institutional foundation