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: TUNAJALI. "Tunajali" — meaning "we care about you" — is an inclusive e-commerce insurance initiative developed to serve low-income customers across Latin America and the Caribbean (LAC). The program leverages digital platforms to provide accessible health insurance, with a focus on simplifying enrollment and claims processes. It demonstrates how tech-enabled delivery models can overcome traditional barriers and scale protection for vulnerable populations.