One important barrier to insurance markets that are more inclusive is the necessity to better understand the needs of low-income and other un- and underserved populations. This demand research study aims to provide data and information regarding critical inputs to key microinsurance product development opportunities and requirements in Ethiopia. By examining the risks that low-income people face, how they manage them, and identifying gaps, the market can gain valuable inputs into product design, including benefits to offer, better distribution approaches, and marketing and communications strategies.

The authors of this study are Katie Biese (MicroInsurance Centre at Milliman), Michael J. McCord (MicroInsurance Centre at Milliman), Katherine Baez (EA Consultants), Eamon Kelly (Independent Consultant), and Craig Thorburn (World Bank Group).