On the occasion of AG Cambodia's 20th anniversary, its founder David Treal retraces an atypical journey, from studying music in the United States to insurance brokerage in Thailand, culminating in the pioneering opening of his firm in Phnom Penh in 2006. As the first licensed agent in an emerging market, he built an indispensable reference for expatriates and entrepreneurs, withstanding crises and innovating against competition.