Attaining and Improving Profitability and Sustainability in Inclusive Insurance | Learning from the Leaders Working Paper Series

This paper is part of the Learning from the Leaders series, organised by the ILO’s Impact Insurance Facility with support from the Generation Foundation. The series includes six core working papers and related webinars, including “Improving Profitability” – available to watch here (scroll to the bottom of the page).

Focusing on financial sustainability, this paper shares current best practices from successful inclusive insurers. It is designed as a practical reference for organisations aiming to develop or enhance insurance solutions for underserved markets.

Featuring real-world case studies and a practical checklist in Appendix A, the paper highlights three key success factors:

• A clear strategy with strong stakeholder support
• Well-designed, scalable inclusive insurance solutions
• Effective expense management

Whether you're launching a new initiative or refining an existing one, this paper offers valuable guidance to help make inclusive insurance both impactful and financially viable.