Impact Insurance Working Paper #37: Achieving scale and efficiency in microinsurance through retail and banking correspondents

Across the world, insurers have shifted away from traditional agents and brokers to partner with various alternative distribution channels – ranging from churches, trade unions and mobile network operators to banks, retailers and even civil service organizations - as a way of reaching critical mass at low cost. This study examines two of these channels – banking and retail correspondents – studying four examples in four countries.