Academic literature on the topic 'Micro-insurance'

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Journal articles on the topic "Micro-insurance"

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Udokang, Nsisong Boniface, and G. Olafuyi Saburi. "PERCEPTION, EFFICIENCY, EFFECTIVENESS AND CHALLENGES OF MICRO INSURANCE SERVICES IN NIGERIA." GPH-International Journal of Social Science and Humanities Research 06, no. 06 (2023): 127–62. https://doi.org/10.5281/zenodo.8127381.

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This study evaluates the level of penetration of insurance firms in Nigeria using the Integrated Theoretical Review Design approach. The study similarly evaluates the mitigating factors to macro-insurance actualization in Nigeria and ends by recommending activities, models and frameworks that should be put in place to ensure a higher level of micro-insurance penetration in Nigeria. The study uncovers the fact micro-insurance operation in Nigeria is very fallow judging by the presence of only one stand-alone micro-insurance firm in the whole of Nigeria while other micro-insurance activities are
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Katayama, Yuki. "Micro Life Insurance Products." Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE) 2024, no. 664 (2024): 664_65–664_76. https://doi.org/10.5609/jsis.2024.664_65.

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Mamun, Muhammad. "The Effectiveness of Microinsurance in Bangladesh : Can It Sustain?" International Review of Financial Consumers 2, No. 1 Apr 2017 (2017): 7–16. http://dx.doi.org/10.36544/irfc.2017.1-1.2.

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Micro-insurance products designed for the low-income individuals. Micro-insurance differs from traditional insurance in terms of the size of premiums, coverage limits and target customers. The objectives of micro-insurance also vary amongst different stakeholders. For governments and policymakers, for instance, micro-insurance is a way to ensure inclusive growth and support the livelihoods of the vulnerable segment of the society. For a developing country like Bangladesh, micro-insurance seems like a boom that can help Bangladesh address its problems regarding poverty especially in the agricul
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Awaloedin, Mulawarman. "ANALISIS KUALITATIF BISNIS ASURANSI MIKRO DI INDONESIA." (JEMS) Jurnal Entrepreneur dan Manajemen Sains 2, no. 2 (2021): 123–41. http://dx.doi.org/10.36085/jems.v2i2.1516.

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The purpose of this research is to explain the phenomenon occured in micro Insurance industry in Indonesia after the launch of the grand design of the Indonesian micro Insurance development. Having used a case study method, the researcher conducted some interviews with a number of practitioners, and obtained some information that micro insurance is still unable to develop if seen from the total population of the people in Indonesia. Micro insurance products are still scattered in big cities, and they have not touched the lower income people if refered to the basic concept of micro insurance.
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Dror, David M., and Christian Jacquier. "Micro-insurance: Extending Health Insurance to the Excluded." International Social Security Review 52, no. 1 (1999): 71–97. http://dx.doi.org/10.1111/1468-246x.00034.

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GOSEMI, Lorena, and Elvin MEKA. "Challenges facing by Micro-Insurance, as a new and unknown concept in the insurance market Case of Albania." Economicus 20, no. 1 (2021): 33–48. http://dx.doi.org/10.58944/rbva9249.

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Micro-insurance is a form of insurance, not being separated from traditional insurance, but which is mainly aimed at low-income individuals. This form of insurance applies to developing countries, where the level of population income is below the average level and where the low-income individuals occupy the highest percentage. The importance of micro-insurance in these countries applies to the fact that it includes in its packages, individuals who are excluded from traditional insurance schemes. Albania is also one of the developing countries, with low economic levels, where micro-insurance de
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Lorena, Gosemi, and Meka Elvin. "Challenges facing by Micro-Insurance, as a new and unknown concept in the insurance market Case of Albania." ECONOMICUS, no. 20 (December 17, 2021): 33–48. https://doi.org/10.5281/zenodo.7582270.

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<strong>Abstract</strong> Micro-insurance is a form of insurance, not being separated from traditional insurance, but which is mainly aimed at low-income individuals. This form of insurance applies to developing countries, where the level of population income is below the average level and where the low-income individuals occupy the highest percentage. The importance of micro-insurance in these countries applies to the fact that it includes in its packages, individuals who are excluded from traditional insurance schemes. Albania is also one of the developing countries, with low economic levels
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Hamdan, Firmandhani. "PERAN RELIJIUSITAS DALAM MENINGKATKAN NIAT MEMBELI PRODUK ASURANSI MIKRO SYARIAH." Review of Islamic Economics and Finance 1, no. 1 (2018): 1. http://dx.doi.org/10.17509/rief.v1i1.13640.

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This study describes the factors which affecting micro society’s intention on purchasing sharia micro insurance. Taking sample at the Koperasi Baytul Ikhtiar Bogor where the entire financing for its participants already protected by sharia credit insurance. This research uses descriptive quantitative approach based on study literature, observation, and quetionaire using the method of Partial Least Square (PLS) yang which the alternative method of Structural Equation Modeling (SEM). The variable consist of intention as dependent variable and Religiousity with Islamic belief and practice dimensi
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Yeboah, Augustine Kwadwo. "Determinants of Micro-Insurance Ownership Decision: Empirical Evidence from Informal Commercial Market Business Operators in Ghana." Journal of Social and Development Sciences 8, no. 4 (2018): 14–23. http://dx.doi.org/10.22610/jsds.v8i4.2059.

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This study empirically examines determinants of Micro-insurance ownership decision in Ghana. Probit estimation technique was used to examine data sourced from 612 informal commercial business operators in selected urban market centers in Ghana. The results reveal that financial literacy has significant effect on micro-insurance ownership decision among informal commercial market business operators in Ghana. The study also found income, access to credit, trust, market levy, Marital status and household headship status as other major predictors of micro-insurance ownership decision. Premised on
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Dr., Debabrata Jana. "Performance of Micro Insurance in India: A Critical Review." Journal of Scholastic Engineering Science and Management (JSESM), A Peer Reviewed Universities Refereed Multidisciplinary Research Journal 4, no. 3 (2025): 30–38. https://doi.org/10.5281/zenodo.15049002.

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Micro insurance seeks to protect impoverished people living in adverse conditions from health, nature and accident related risks. Currently in India, micro insurance has become an integral strategy for enhancing the economic livelihoods of the financially vulnerable masses. This paper offers a thorough analysis of how micro insurance is practiced in India by examining its number of policies, collection of premium, and death claim settlement. The research finds and evaluates the extent to which micro insurance schemes enhance the financial participation of the population and solves the problems
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Dissertations / Theses on the topic "Micro-insurance"

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Saqware, Abdallah Naniyo. "Micro insurance in Tanzania : demand perspectives." Thesis, University of Central Lancashire, 2012. http://clok.uclan.ac.uk/6777/.

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This study addresses three distinct but interrelated areas in the micro insurance sector in Tanzania a) demand perspectives of micro insurance in the informal sector b) examining strengths and weakness of current risk coping strategies in the informal sector c) examining household’s characteristics that influence demand for micro insurance. The study analyses data from a primary survey and focus group discussion derived from informal sector households’ members of the VIBINDO society in three districts of Ilala, Kinondoni and Temeke in Dar es Salaam. The analysis involves three steps; first, ho
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Borgman, Robin, and Axel Hellström. "Micro-Level Loss Reserving in Economic Disability Insurance." Thesis, KTH, Matematisk statistik, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-229064.

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In this thesis we provide a construction of a micro-level reserving model for an economic disability insurance portfolio. The model is based on the mathematical framework developed by Norberg (1993). The data considered is provided by Trygg-Hansa. The micro model tracks the development of each individual claim throughout its lifetime. The model setup is straightforward and in line with the insurance contract for economic disability, with levels of disability categorized by 50%, 75% and 100%. Model parameters are estimated with the reported claim development data, up to the valuation time Τ. Us
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Schneider, Pia Helene. "The contribution of micro-health insurance to equity and sustainability in Rwanda." Thesis, London School of Hygiene and Tropical Medicine (University of London), 2004. http://researchonline.lshtm.ac.uk/682314/.

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Many countries are looking to health insurance to improve access to medical care for low- income groups and to raise additional revenues for a depleted health sector. In Rwanda, concerns about a sharp drop in demand for medical services after the re-introduction of user fees in 1996, motivated the government to design and pilot-test micro-health insurance (MHI) in three districts. This thesis compares the performance of the current Rwandan MHI with the user fee system and against principles of egalitarian equity and sustainability. It draws from the economic and social literature related to he
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Vicente, Kátia Nadina de Sousa. "Análise da viabilidade de implementação e desenvolvimento de Microsseguros de Saúde em Angola (município da Matala)." Master's thesis, Instituto Superior de Economia e Gestão, 2011. http://hdl.handle.net/10400.5/3370.

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Mestrado em Finanças<br>O microsseguro constitui uma forma de seguro direccionada essencialmente para o segmento da população de baixos rendimentos que é, consequentemente, ignorado pelas seguradoras comerciais e excluído dos projectos de segurança social. Actualmente, tem vindo a verificar-se, a nível internacional, a implementação e desenvolvimento de projectos de microsseguro nas mais variadas áreas, como forma de minimizar a vulnerabilidade face às adversidades futuras por parte da população mais carenciada. Após efectuar um enquadramento teórico sobre o que caracteriza o microsseguro, qua
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Schleicher, Michael [Verfasser], and Stefan [Akademischer Betreuer] Klonner. "Targeted Micro-health Insurance in the Department of Nouna, Burkina Faso / Michael Schleicher ; Betreuer: Stefan Klonner." Heidelberg : Universitätsbibliothek Heidelberg, 2017. http://d-nb.info/117801052X/34.

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Hamid, Syed Abdul. "Can micro health insurance improve the health and economic status of the rural poor? : a study in Bangladesh." Thesis, University of Sheffield, 2008. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.500672.

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Ismail, Safa. "Evaluation Economique de la réforme de l’assurance maladie en Tunisie." Thesis, Paris 9, 2015. http://www.theses.fr/2015PA090068/document.

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La Tunisie connaît une progression notable de ses dépenses de santé et de l’espérance de vie des tunisiens. Mais ces résultats vont de pair avec des inégalités dans l’accès aux soins, motivant une réforme de l’assurance maladie mise en place en 2007. Les principaux changements visent une amélioration de la couverture pour les maladies chroniques et une généralisation de l’assurance pour l’offre de soins privée. Cette thèse de micro-économétrie appliquée examine l’impact de la réforme sur l’accès aux soins et le reste à charge des individus. Les évaluations sont réalisées sur des enquêtes visan
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Erlbeck, Anja [Verfasser], Heinrich [Gutachter] Schradin, and Frank [Gutachter] Schulz-Nieswandt. "Demand for Micro Life Insurance in Sri Lanka: Impact of Social Capital and Religion / Anja Erlbeck ; Gutachter: Heinrich Schradin, Frank Schulz-Nieswandt." Köln : Universitäts- und Stadtbibliothek Köln, 2017. http://d-nb.info/115129814X/34.

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Peng-Wan, Fang. "Conditions d'applications du concept de micro-assurance et réassurance sociale en milieu rural en Chine." Thesis, Lyon 1, 2009. http://www.theses.fr/2009LYO10352/document.

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Le paiement des frais hospitaliers par les patients est une raisons majeures de pauvreté en Chine, notamment en milieu rural en Chine. Afin d’améliorer l’efficacité et l’égalité de financement des soins de santé en milieu rural en Chine ; on va faire une étude de faisabilité concernant la mise en place de la micro-assurance sociale ainsi que la réassurance en milieu rural en Chine.Cette thèse est composée de quatre parties. La première partie est la recherche de la problématique et le justificatif de l’étude. La deuxième partie est consacrée à la présentation générale de la situation sanitaire
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Miranda, Miguel António Oliveira. "Seguros de protecção ao crédito em situações de desemprego involuntário." Master's thesis, Instituto Superior de Economia e Gestão, 2010. http://hdl.handle.net/10400.5/2875.

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Mestrado em Ciências Actuariais<br>Em Portugal, o debate sobre o desemprego tem estado muito activo ao longo dos últimos meses. A problemática do desemprego assume cada vez mais importância no quotidiano. O endividamento dos consumidores tem vindo a aumentar, acompanhando uma mudança de hábitos de consumo que reflectem uma alteração de comportamentos culturais e sociais. O crédito ao consumo é um mercado em forte expansão, com grande variedade de oferta de produtos e de acesso cada vez mais amplo. Do ponto de vista deste trabalho, o seguro de protecção ao crédito ajuda os clientes a cumprir as
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Books on the topic "Micro-insurance"

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Women's Empowerment through Employment and Health (Project) and International Labour Organisation. Area Office, Dhaka., eds. Micro-insurers: Inventory of micro insurance schemes in Bangladesh. Women's Empowerment through Employment and Health project, ILO Bangladesh, 2003.

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Fund, Pakistan Poverty Alleviation. Reducing vulnerabilities of the poor through micro-insurance. Pakistan Poverty Alleviation Fund, 2012.

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Strategies and Tools against Social Exclusion and Poverty (Program), ed. An inventory of micro-insurance schemes in Nepal. International Labour Organization, 2004.

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Erksoy, Sadettin. The distributional implications of unemployment insurance: A micro-simulation analysis. Human Resources Development Canada, 1995.

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Women's Empowerment through Employment and Health (Project), International Labour Organisation. Area Office, Dhaka., and BRAC (Organization), eds. Micro health insurance scheme of BRAC: A case study. Women's Empowerment through Employment and Health project, ILO Bangladesh, 2004.

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Nafeesur, Rahman Md, Micro Health Insurance for Rural Women in Bangladesh (Project), and Women's Empowerment through Employment and Health (Project), eds. Grameen Kalyan, Micro Health Insurance Program: A case study. ILO-WEEH Project], 2005.

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Farid, Uddin Md, Women's Empowerment through Employment and Health (Project), and International Labour Organisation. Area Office, Dhaka., eds. Micro health insurance: Profile of community based schemes in Bangladesh. Women's Empowerment through Employment and Health (WEEH) Project, ILO--Bangladesh, 2003.

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(Bangladesh), Institute of Microfinance, ed. Micro health insurance in Bangladesh: Innovations in design, delivery, and distribution channels. Institute of Microfinance, 2013.

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Regional Consultation on Facilitating Access to Micro-Insurance: Issues and Challenges (1st 2006 Bhubaneswar, India). Regional Consultation on Facilitating Access to Micro-Insurance: Issues and Challenges: January 12-13, 2006, Bhubanewsar. Sa-Dhan Microfinance Resource Centre, 2006.

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Ertekin, Ergun, and Cristina Navarrete Moreno. Micro Insurance Academy. World Bank, Washington, DC, 2017. http://dx.doi.org/10.1596/27548.

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Book chapters on the topic "Micro-insurance"

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Harper, Malcolm. "Micro-insurance." In Practical Microfinance. Practical Action Publishing, 2003. http://dx.doi.org/10.3362/9781780440903.017.

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Chowdhury, Rajneesh. "Micro-insurance and Community Engagement." In Flexible Systems Management. Springer Singapore, 2019. http://dx.doi.org/10.1007/978-981-13-8530-8_13.

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Kawiński, Marcin. "Sustainability of the EU Insurance Markets and Adequacy of Insurance Regulations: Solvency II and ESG." In AIDA Europe Research Series on Insurance Law and Regulation. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-72186-1_3.

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Abstract In most cases, defining the sustainability of insurance leads to different aspects of fulfilling insurance needs and contracts. Sophisticated risk-based regulations, like Solvency II [Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (SII)], or the U.S. equivalent, known as the “Insurance Financial Solvency Frame” (Lindberg &amp; Seifert 2015; Zweifel &amp; Eisen 2012, p. 335), provide numerous perspectives on insurance entities’ challenges with sustainability. As regulators
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Huo, Ran, and Qiao Zhang. "Study on Rural Microcredit Risk Management and Micro-repayment Insurance." In Proceedings of Selected Articles of 2013 World Agricultural Outlook Conference. Springer Berlin Heidelberg, 2014. http://dx.doi.org/10.1007/978-3-642-54356-2_4.

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Silvello, Andrea. "Sell Your Insurance at the Right Time - Consider Micro Policies." In The InsurTech Book. John Wiley & Sons, Ltd, 2018. http://dx.doi.org/10.1002/9781119444565.ch35.

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Ba, Shusong. "On Loan Guarantee Insurance of Micro and Small Enterprises in China." In The New Cycle and New Finance in China. Springer Singapore, 2022. http://dx.doi.org/10.1007/978-981-16-8209-4_24.

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Labini, Stefania Sylos, Elisabetta D’Apolito, and Iryna Nyenno. "Systemic Risk and the Insurance Sector: A Network Perspective." In New Economic Windows. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-64916-5_12.

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AbstractUnlike the banking sector, whose impact on systemic risk has been amply proven, it remains unclear whether the insurance business constitutes a source of systemic risk. The aim of this chapter is to contribute to the debate and attempt to answer this question by examining the role of insurance companies in the financial system, the existing interconnections between insurance operators, and the vulnerability factors, i.e. the elements that increase the exposure of institutions to systemic risks. In recent years, attention to systemic risk has been focused on the insurance sector and the
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Shah, Haresh C. "Catastrophe Micro-Insurance for Those at the Bottom of the Pyramid: Bridging the Last Mile." In Geotechnical, Geological, and Earthquake Engineering. Springer Netherlands, 2010. http://dx.doi.org/10.1007/978-90-481-9544-2_22.

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Basri, Savitha. "Role of Non-governmental Organizations in Micro Health Insurance Schemes: A Case Study from India." In Financial Inclusion in Emerging Markets. Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-2652-4_6.

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Ayinde-Olawale, Adeyemi E., Idowu T. Ogunyemi, and Giuseppe T. Cirella. "Economic Shocks from COVID-19 and the Assessment of Micro-, Small-, and Medium-Sized Enterprises Emergence of Insurance Coverage in Urban South-West, Nigeria." In Uncertainty Shocks in Africa. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-21885-9_3.

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Conference papers on the topic "Micro-insurance"

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Sinyavskaya, Tatiana. "ECONOMETRIC MODELING OF MICRO-ECONOMIC DEMAND FOR INSURANCE." In 5th International Multidisciplinary Scientific Conferences on SOCIAL SCIENCES and ARTS SGEM2018. STEF92 Technology, 2018. http://dx.doi.org/10.5593/sgemsocial2018/1.3/s03.017.

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Vo, Hoang Tam, Lenin Mehedy, Mukesh Mohania, and Ermyas Abebe. "Blockchain-based Data Management and Analytics for Micro-insurance Applications." In CIKM '17: ACM Conference on Information and Knowledge Management. ACM, 2017. http://dx.doi.org/10.1145/3132847.3133172.

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Nandapala, E. Y. L., K. P. N. Jayasena, and R. M. K. T. Rathnayaka. "Behavior Segmentation based Micro-Segmentation Approach for Health Insurance Industry." In 2020 2nd International Conference on Advancements in Computing (ICAC). IEEE, 2020. http://dx.doi.org/10.1109/icac51239.2020.9357282.

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Bamgbose, O. S., and O. Adekanbi. "Acceptability of Micro-Insurance Scheme Among Teachers in Public Secondary Schools in Lagos state, Nigeria." In 27th iSTEAMS-ACity-IEEE International Conference. Society for Multidisciplinary and Advanced Research Techniques - Creative Research Publishers, 2021. http://dx.doi.org/10.22624/aims/isteams-2021/v27p32.

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Low income earning workers such as the teachers in the public secondary schools, are faced with varying categories of financial risk which cannot e alleviated without the help of some other social arrangement such as micro-insurance schemes. However, these scheme has not been well accepted among the teachers. The study however, looked at the reasons for the low acceptability. A stratified simple random sampling technique was used to collect data from a sample of 384 secondary school teachers in Lagos state, using regression analysis techniques. Adequate knowledge and well structured products d
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Adler, Isabel K. "Design thinking for creation of micro insurance solutions for mobile phones." In the 11th Biennial Participatory Design Conference. ACM Press, 2010. http://dx.doi.org/10.1145/1900441.1900512.

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"Analysis the Implementation of Micro Insurance Product to Farmers in Indonesia." In Multi-Disciplinary Manila (Philippines) Conferences Jan. 26-27, 2017 Cebu (Philippines). Universal Researchers (UAE), 2017. http://dx.doi.org/10.17758/uruae.dir0117515.

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Amudha, R., S. Selvabaskar, and L. Cresenta Shakila Motha. "Micro-insurance: A mechanism for women empowerment through self help group linked LIC." In 2014 International Conference on Science Engineering and Management Research (ICSEMR). IEEE, 2014. http://dx.doi.org/10.1109/icsemr.2014.7043613.

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Kihaule, Arnold. "The Outcomes of Rural Households Purchase of Micro Health Insurance Plans in Tanzania." In 2nd Annual Global Healthcare Conference (GHC 2013). Global Science and Technology Forum Pte Ltd, 2013. http://dx.doi.org/10.5176/2251-3833_ghc13.30.

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Ding, Mingtao, Qing Wang, Xiaoqing Chen, and Wanyu Zhao. "Notice of Retraction: The Micro-Insurance Plan Based on Risk Degree of Debris Flow." In 2009 International Conference on Management and Service Science (MASS). IEEE, 2009. http://dx.doi.org/10.1109/icmss.2009.5304904.

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Radovanovic, Milos. "ELEKTRIČNI TROTINETI I OSIGURANjE OD AUTOODGOVORNOSTI." In MODERNE TEHNOLOGIJE, NOVI I TRADICIONALNI RIZICI U OSIGURANjU. Association for Insurance Law of Serbia, 2021. http://dx.doi.org/10.46793/xxsav21.113r.

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Technological progress, importance of taking care of the environment and need for the “micro-mobility” of humans in the cities, have led to increased usage of electric scooters. Every means of transportation, including the scooter, cause of risk of a damage. Possibility of causing of the damage opens a question of the obligation of owners of the electric scooters to conclude motor third party liability insurance. Th is paper tries to give an answer on the question. Author also seeks to fi nd an answer on a question is the injured party entitled to receive compensation of damage from guarantee
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Reports on the topic "Micro-insurance"

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Banerjee, Rupsha, Diba Galgallo, Nathan Jensen, Duncan Khalai, Andrew Mude, and Phillip Sambati. Evaluation of a gamified mLearning solution for training micro insurance agents in Kenya. International Initiative for Impact Evaluation (3ie), 2020. http://dx.doi.org/10.23846/tw13fe10.

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Majumdar, Atanu, Arpita Chakraborty, Vaibhav Sharma, et al. Assessment of community-based crop micro insurance for climate-related risks offered to smallholder farmers and marginalised communities in India. International Initiative for Impact Evaluation (3ie), 2020. http://dx.doi.org/10.23846/tw13pe04.

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Comey, Danika, and Matthew Madsen. 10 Steps to Implementing Health in All Policies in Rural Communities. Western Transportation Institute, 2024. http://dx.doi.org/10.15788/1727735025.

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This toolkit serves as a guiding document for frontier, rural, and micro-urban communities to implement a Health in All Policies (HiAP) framework in rural America. Too often, rural America is overlooked when it comes to public health and policy work. This tool will guide public health practitioners, community planners, elected officials, healthcare providers, and those who are interested in improving community and public health by analyzing and improving local policy in rural communities. Barriers to accessing healthcare services are well documented in rural communities. Rural populations ofte
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Bernal, Raquel, and Marcela Eslava. Switching from Payroll Taxes to Corporate Income Taxes. Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0009369.

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The Colombian 2012 tax reform reduced payroll taxes and employer contributions to health insurance by 13.5%, while also increasing corporate income taxes, and leaving untouched the benefits to workers financed through these taxes. Shifting taxation from formal employment to other business activities is a policy recipe under heated discussion in Latin America. In this context, the reform offers an ideal laboratory to study empirically the potential distortions against formal employment associated with payroll taxes in contrast to other taxes to firms. Using monthly firm-level data on all formal
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Accessible Insurance Solutions for All Haitians. Inter-American Development Bank, 2012. http://dx.doi.org/10.18235/0006006.

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Haitians of all economic levels are interested in buying insurance products, increasingly so in the aftermath of the devastating earthquake of 2010. One traditional insurance company whose reputation was enhanced after honoring an unprecedented number of claims stemming from that earthquake has a strategic growth plan to expand services and products to the most vulnerable Haitians.Haitian-owned Alternative Insurance Company (AIC) is making insurance more accessible with a plan to expand affordable funeral and credit life insurance in the lower-income market and to create new micro- insurance p
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