ACRE Africa partners with insurers to offer affordable index-based crop insurance to smallholder farmers. Uses weather stations and satellite rainfall data to trigger payouts automatically.

Kenya-based pilot that bundled hospital cash, digital loans, and mobile health tools to increase access and affordability. MicroEnsure piloted Fearless Health by combining hospital cash benefits with mobile-enabled digital health loans to support underserved Kenyan populations.

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.

Case brief: MIDAGRI. The Peruvian Ministry for the Development of Agriculture and Irrigation (MIDAGRI) introduced agricultural insurance as a strategic policy tool to enhance the competitiveness of the agricultural sector. This led to the creation of the Seguro Agrícola Catastrófico (SAC), a public insurance program designed to protect smallholder farmers from extreme weather-related losses. The case outlines the structure of SAC, its implementation, and the government's role in building resilience through accessible, state-supported agricultural insurance.

MicroEnsure bundled insurance with mobile loans and airtime in 15 countries. By 2016, this model had scaled to reach over 40 million clients and included 200+ insurance products. It illustrates a high-impact approach to mobile-enabled microinsurance delivery with large-scale outreach.