Searching: Research & Analysis

Confronting the Climate and Health Nexus: Lessons from Self-Employed Women’s Association (SEWA)

This case study is the third in CGAP's series on scaling inclusive insurance while preserving consumer value. Aimed at distribution networks — specifically grassroots networks — and insurers, it takes a deep dive into SEWA's innovative heat insurance product, developed with partners and grounded in direct insights into the needs and risks of its members.

Scaling Inclusive Insurance through Government Systems: Lessons from the World Food Programme

Drawing on WFP's work in Zambia, Ethiopia, Cuba, and Guatemala, this case study shows how inclusive insurance can build food-secure nations at scale. Key lessons: government integration cuts costs and drives uptake; forecast-based payouts protect smallholder livelihoods faster; and risk reduction is no longer optional — it is a prerequisite for insurability.

Leveraging Social Protection Networks for Inclusive Insurance: Lessons from Fiji

This case study draws on UNCDF's experience in Fiji to explore the effectiveness of social protection networks as a distribution channel and the role of subsidies. It reveals three conditions are needed for success: strong policy backing, long-standing UNCDF engagement, and existing social protection networks.

Inclusive Insurance: Scaling for Resilience and Impact

Insurance builds resilience by helping people manage shocks and invest confidently in their futures. Yet, inclusive insurance remains small-scale due to barriers in demand, supply, and policy. This deck explores challenges and opportunities—showing how funders can unlock insurance’s full potential as a catalyst for stability, security, and economic growth.

Young Women's Financial Inclusion: What Works

This paper summarizes two decades of insights to help practitioners unlock the social and business case for young women’s financial inclusion. It outlines tailored strategies for product design, delivery, financial capability, and social intermediation to meet the needs of this diverse and vital client group.

The Role of Data in Inclusive Insurance

With 3.8 billion people in emerging markets lacking adequate insurance coverage, data plays a crucial role in enabling insurers to comprehend these segments' specific needs and risk profiles. This, in turn, helps develop more accurate risk assessment and pricing models for inclusive insurance offerings.