AXA Mansard, one of Nigeria's largest insurance providers, launched a focused strategy in 2016 to serve women in the retail insurance space. This initiative emerged from detailed market research identifying the unique needs of Nigerian women. AXA tailored products specifically for this segment and forged partnerships with women-led organizations to build trust and raise awareness about insurance. The case highlights practical lessons from product innovation, inclusive marketing, and collaboration as a pathway to greater gender equity in insurance.

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.

Field accident insurance – PROFIN Foundation. This case highlights a specialized microinsurance product developed in Bolivia to cover medical expenses resulting from injuries during official soccer, basketball, and volleyball matches. Distributed through sports associations, the product is tailored to the needs of amateur athletes and addresses a previously uninsured risk segment. It showcases how inclusive insurance can be adapted to community-based distribution and activity-specific protection.

COVID-19 and the Insurance Industry: Why a Gender-Sensitive Response Matters. This guidance note explores how the COVID-19 pandemic affected the gender gap in insurance access and services. It identifies four key areas where applying a gender lens can improve customer-centricity: operational practices, brand communication, product innovation, and new distribution channels. With practical insights from IFC's Women's Insurance Program, the paper offers a roadmap for insurers to better serve women during and beyond crisis periods.

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

Describes FCMBeta Health, a women-focused micro health insurance product in Nigeria, bundled with micro-loans, offering hospital cash and maternity coverage. Over 90,000 enrolled by 2025.

The case for insuring women for a better tomorrow. Green Delta Insurance Company (GDIC), a private non-life insurer in Bangladesh, partnered with IFC and others to design targeted insurance solutions for women. This note explores why women represent a key growth segment, how GDIC tailored its approach for Bangladeshi women, and the lessons learned from implementing this gender-inclusive strategy in the local market.

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.

Insular Life, Philippines – This case study showcases how Insular Life (InLife), a leading life insurer and health maintenance organization in the Philippines, partnered with IFC and the Women Entrepreneurs Finance Initiative (We-Fi) to better serve Filipino women. Their gender-focused strategy positions InLife as both an inclusive insurer and an employer of choice for women. The report outlines their journey toward creating more accessible insurance solutions, workforce empowerment, and long-term impact on women's financial resilience.

Insurance automation initiative led by Lead Foundation in Egypt, exploring how digital systems can enhance access to inclusive life insurance. The case outlines the broader poverty and economic context, key capacity-building interventions, implementation strategy, and an honest reflection on both the successes and challenges faced. It also discusses project outcomes and lessons learned, offering a blueprint for tech-enabled insurance in underserved regions.

Insurance Automation by Lead Foundation in Egypt. This case outlines the economic and poverty context in which the intervention took place, including the project's approach to capacity building and automation. It highlights both the results achieved and not achieved, and captures key lessons learnt in delivering health and credit life insurance to underserved populations.

WFP piloted an inclusive weather-index insurance scheme for ~4,800 people in El Salvador, targeting women entrepreneurs and people with disabilities. The product enabled fast payouts during climate shocks and removed traditional credit-based enrollment barriers.

Making Insurance Work for Women – SHEFORSHIELD PROGRAM. Information on the insurance sector in Colombia in 2020, inclusive insurance premiums written, financial inclusion institutional framework, public-private actions and lessons learned/challenges, with a focus on gender-specific insurance innovation and outreach in Sub-Saharan Africa, particularly Nigeria.

Making Microinsurance Work: This learning paper by Scale2Save explores the challenges affecting the uptake of microinsurance across emerging markets. Drawing from real-world case studies in Côte d'Ivoire and Nigeria, it identifies key barriers and presents practical strategies to boost adoption. The report highlights innovative distribution approaches, customer education tactics, and partnership frameworks that drive scale and sustainability for inclusive insurance services.

This World Bank report analyzes how Philippine insurers adapted to COVID-19 and how their inclusive insurance models helped maintain resilience for over 38 million microinsurance policyholders. The study highlights product innovations, digital transformation, and lessons for future crisis response through inclusive insurance strategies.