Case brief: ALM SEGUROS. This presentation introduces ALM Seguros as one of the pioneering microinsurance companies in Brazil. The company focused on delivering accessible life and funeral insurance to underserved communities, building trust through affordable premiums and simplified claims. The case illustrates how early entrants in the Brazilian market paved the way for inclusive insurance by aligning product design with local needs and regulatory frameworks.

Product for low-income urban dwellers in flood-prone areas of São Paulo, offering quick post-disaster payouts.

A 2024 case-control study evaluating M-FUND, a microinsurance scheme for migrant workers in Thailand, showing increased health service usage among insured populations.