Microinsurance distribution channels: Insights for insurers

Distribution is a particularly important question for those looking to deliver insurance to low-income people. With low margins, insurers need to find low-cost channels that can reach clients in large numbers. The channels also need to be capable of selling to those with no experience of insurance. These constraints have led to impressive innovation. This paper synthesises ILO’s experiences with more than 60 partners distributing microinsurance; it outlines key strengths and weaknesses of each channel for insurers.