Photo essay by ADFI and Pula showing gender-inclusive insurance design using mobile platforms and bundled climate microinsurance products across Kenya, Nigeria, and Zambia.

In 2007, Britam, a Kenyan financial group, launched its first microinsurance product for low-income customers. Over 11 years, Britam built a profitable microinsurance business unit covering more than 700,000 lives by 2017. This case study distills key lessons from Britam's journey to guide other insurers in serving traditionally excluded markets.