Ratan Mia was a farmer, living with his wife four Sons and two daughters. He was a hardworking man, but over a number of months his health had deteriorated and he found it increasingly difficult to carry out his regular farming work. Eventually he visited a local doctor, who offered some general health suggestions, but […]

This week we are pleased to announce that U Microfinance Bank (U Bank), a subsidiary of Pakistan Telecommunication Corporation Limited, an Etisalat company has partnered with MicroEnsure Pakistan to launch a life and permanent total disability insurance product for its deposit customers. U Microfinance Bank has over 140 branches in Pakistan, the majority of which […]

Rosemarie Genine, has two children and has been a mobile food vendor for twenty years, her husband Julius is a farmer. In May, Rosemarie had an accident whilst doing some DIY work on their kitchen extension. A four-inch nail slipped and hit her right eye. Rosemarie went to the nearest hospital for treatment but was […]

Lolita Mondia has three children and had to find ways to cover her families’ daily expenses after her husband died. She applied for a loan from Taytay sa Kauswagan Inc. (TSKI) and used the money for a charcoal business which her son Joeffry helped her with. In April, Lolita was hospitalised due to high blood […]

Melody Dzattah had been with Airtel for a number of years when an agent called her to talk about Airtel Insurance. Even though Melody has other insurance policies, she asked the agent to register her on the Max product option. As far as she is concerned, insuring your life is one of the best decisions a […]

Getting inclusion right is the theme of this year’s Financial Inclusion Week, from Monday 29 October – Friday 2 November 2018. Here Richard Leftley, CEO of MicroEnsure, explains the importance and impact of simplifying insurance to reach emerging markets. Why do we need to get insurance to the mass market? Uninsured people in emerging markets are […]

In April 2017, 34 year old Kodjo Dunyo took out a loan of GHS18,000 ($3,940 USD) from the Darkuman branch of Advans Ghana to buy stock for his electrical shop which he has been running for 4 years. Later in the year Kodjo fell ill with Pneumonia and was rushed to hospital, sadly he died […]

Lydia Osaah is a 35-year old single mother of one who has owned a hardware store in Abuakwa for ten years. In April 2017, the Abuakwa branch of Opportunity International Savings and Loans Limited (OISL) lent Lydia GHS30,000 ($6,570 USD ) for her to develop her hardware business. She was careful to keep up her […]

Idris Gaya Ado had been a customer of Credit Direct Limited (CDL), but unfortunately in June this year he passed away following a cardiac arrest. In partnership with MicroEnsure and Cornerstone Insurance, all borrowers automatically receive Life and Health Insurance when they receive loans from CDL. Garba Idris, Idris’s brother and beneficiary, was aware of the insurance […]

Isaac Tamatey, a banker, had been on Airtel Free Insurance since April 2014. Isaac upgraded to the family cover after the free insurance was enhanced to a paid variation product. He registered his wife, Martha Teye as a nominated Family Member on his policy. On 23rd February 2018, Martha gave birth to a baby boy […]