Inclusive insurance solutions for
the underserved in Africa

What Are We all about?

More than 90% of Africans have no access to insurance. Attempts to insure this category of people using conventional methods, products and processes that work for the 10% with access to insurance often end up in failure, largely because of huge persona differences and inadequate insurance-specific information about the 90%.
Emerging Markets is an organization that uses Actuarial Expertise and Human-Centred Research & Design (HCD) to create inclusive insurance solutions for the underserved in Africa. HCD is an approach that aims to involve the user/consumer in all stages of product development in order to produce results that are both rooted in customer needs and commercially sustainable.
With deep expertise in financial inclusion and microinsurance, we use our iterative design approach to ensure that products and services are user-validated and ready to take to market. We help our clients test and evaluate value propositions, create ideal customer journeys, and rapidly test product features.
Through our work, we uncover first-time insights into the untapped insurance market. We are building a platform to manage generated aggregated insights across different markets in Africa. These new insights are the backdrop upon which insurance stakeholders, governments and international development organisations can use to bridge the protection gap by creating relevant, scalable insurance solutions.
We believe that it is only by uncovering the hidden data & insights within the uninsured in Africa, can we then truly scale inclusive insurance to the people who need it the most!