• A2ii - The Access to Insurance Initiative

    A2ii - The Access to Insurance Initiative

    Enhance broad-based, demand-oriented and sustainable access to insurance
    for low-income clients

  • 20th IAIS Annual Conference

    20th IAIS Annual Conference

    Panel on path towards increased access to insurance.
    17-18 October, Chinese Taipei

    with Peter Braumüller, Sudhin Roy Chowdhury and Jonathan Dixon moderated by Maria Victoria Saenz.

    more

  • Dirk Reinhard | Vice Chairman, Munich Re Foundation

    Dirk Reinhard | Vice Chairman, Munich Re Foundation

    "a unique organisation without the development of microinsurance regulation standards would not stand where it is right now"

    more

  • George Brady | IAIS Deputy Secretary General

    George Brady | IAIS Deputy Secretary General

    "We are delighted that the A2ii will play a leading role in the development and implementation of an assessment tool"

    more

  • Director Joselito Almario | National Credit Council, Philippines

    Director Joselito Almario | National Credit Council, Philippines

    "Access to Insurance Initiative gave us tremendous inspiration and motivation"

    more

  • Policy Seminar on Microinsurance Regulation for Supervisory Authorities

    Policy Seminar on Microinsurance Regulation for Supervisory Authorities

    29-30 May 2013, Cairo, Egpyt

    Explore the regulatory and supervisory challenges of innovative business models in microinsurance

    more

  • Inside the Initiative

    Inside the Initiative

    Enhancing regulatory and supervisory capacity,growing financial inclusion and advancing insurance market

    more

  • Christiaan Rebergen | Ministry of Foreign Affairs, The Netherlands

    Christiaan Rebergen | Ministry of Foreign Affairs, The Netherlands

    "Support to development of Insurance in itself should be seen as a relevant investment in economic development"

    more

  • Prisca Soares | Secretary General, African Insurance Organisation

    Prisca Soares | Secretary General, African Insurance Organisation

    "African Insurance Organisation members stand to derive much benefit from future collaboration with Access to Insurance Initiative"

    more

  • Regina Simões | Superintendência de Seguros Privados (SUSEP)

    Regina Simões | Superintendência de Seguros Privados (SUSEP)

    "The Initiative provides a flexible and dynamic structure for supervisors, donors and other stakeholders interested in the promotion of access to insurance"

    more

  • Arup Chatterjee | Senior Financial Sector Specialist, ADB

    Arup Chatterjee | Senior Financial Sector Specialist, ADB

    "By designing innovative solutions and leveraging on technology it is now possible to bring risk transfer benefits to the household level"

    more

  • H.M. Queen Máxima | UN Secretary General’s Special Advocate

    H.M. Queen Máxima | UN Secretary General’s Special Advocate

    "The Access to Insurance Initiative and the Microinsurance Network can encourage and aid various agencies on the ground to collect better data."

    more

  • Betty Wilkinson | Principal Financial Sector Specialist, ADB

    Betty Wilkinson | Principal Financial Sector Specialist, ADB

    "Microinsurance is a challenge because unlike other financial services, clients and insurance firms need a lot of up-front information to understand, develop, provide and use the product"

    more

  • Fola Daniel | Commissioner for Insurance, NIC, Nigeria

    Fola Daniel | Commissioner for Insurance, NIC, Nigeria

    "We have the passion to bring about the changes needed to support the growth of the insurance market in Nigeria"

    more

  • Gabriela Braun | Chair of the Supervisory Committee, MFW4A

    Gabriela Braun | Chair of the Supervisory Committee, MFW4A

    "For Making Finance Work for Africa, the Access to Insurance Initiative is a powerful partner in fostering conducive environments for microinsurance."

    more

  • High-level Seminar 2012 | Khartoum, Sudan

    High-level Seminar 2012 | Khartoum, Sudan

Our Partners

Upcoming events

Policy Seminar on Microinsurance Regulation for Insurance Supervisory Authorities
& Insurance Practitioners Consultative Forum on “Challenges and opportunities in enhancing client value in insurance – the African experience with new technologies."

On June 4th and 5th 2014, the African Insurance Organization (AIO), the Access to Insurance Initiative (A2ii), the International Association of Insurance Supervisors (IAIS), and the Microinsurance Network (MIN) will host a Policy Seminar on Microinsurance Regulation for Insurance Supervisory Authorities in Kigali, Rwanda.

For more details please click here.
For details in French please click here.

Governance StructureIAIS-PartnershipInclusive InsuranceMicroinsurance RegulationPoverty Reduction

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Our mission

Access to Insurance - An important strategy for reducing vulnerability

The inability to manage vulnerability can perpetuate poverty. Access to insurance services can play an important role in mitigating welfare losses. Regulation and supervision can facilitate insurance markets to become more accessible and inclusive for low-income households.

The Access to Insurance Initiative is a global partnership with the mission to inspire and support supervisors to promote inclusive and responsible insurance, thereby reducing vulnerability. The Initiative is the implementation partner of the Global Standard Setting Body for insurance, the International Association of Insurance Supervisors (IAIS) on access to insurance.

Our goal is to strengthen the capacity of policymakers, regulators, and supervisors seeking to advance inclusive insurance markets, particularly for low-income clients, by promoting sound, effective and proportionate regulation and supervision of insurance markets based on the IAIS standards.

The Initiative is a unique partnership between international development agencies/ donors and the IAIS. Our partnership triggers the reforms in regulation and supervision required for the development of inclusive insurance markets.

Public consultation: synthesis on business models and regulatory approaches

The A2ii commissioned two synthesis studies that have now been finalized. The synthesis studies are based on an analysis of all A2ii country diagnostic studies and several other studies. The aim of the synthesis is to enable insurance supervisors to better understand the workings of their low-income insurance markets and to provide guidelines on potential regulatory and supervisory implications and responses.

The synthesis paper Evolving Microinsurance Business Models and their Regulatory Implications identifies eight distinctive business models. It discusses potential consumer protection risks arising from them and identifies potential regulatory responses.

The synthesis paper Regulatory approaches to inclusive insurance market development identifies five regulatory approaches that insurance supervisors could adopt under different market circumstances.

We now started the public consultation process and invite you to review the synthesis studies and to provide comments. Please send your comments to secretariat[at]access-to-insurance.org by 27 April 2014. Please click here to download the comment template.

Financial Inclusion on the IAIS Annual Conference Agenda

The biggest event in the calendar of the International Association of Insurance Supervisors (IAIS), the 20th IAIS Annual Conference, took place from 16th to 18th October in Chinese Taipei.

The A2ii featured a panel discussion on the path towards increased access to insurance and the new strategic direction of the partnership between the IAIS and A2ii. The panel was moderated by Maria Victoria Saenz, Lead Project Specialist IDB-MIF. Panelists were Peter Braumüller, Chair of the IAIS Executive Committee, Jonathan Dixon, Chair of the IAIS Implementation Committee, Chair A2ii Governing Council and Sudhin Roy Chowdhury, Member (Life), IRDA India and A2ii Council member. More

Insurers and regulators discuss business models

The 1st “Consultative Forum on business models, distribution and their regulatory implications” was held in Jakarta back to back to the 9th International Microinsurance Conference. The forum was hosted by the International Association of Insurance Supervisors (IAIS) and the Microinsurance Network and in collaboration with the A2ii. The forum brought together representatives of the insurance industry and supervisors.

The A2ii presented emerging microinsurance business models from 25 jurisdictions around the globe, focusing on related risks and regulatory implications for supervisors. The presentation provided a snapshot of the A2ii synthesis note “Evolving Microinsurance Business Models and their Regulatory Implications” that will shortly be circulated for consultation with IAIS members. The synthesis note is based on an analysis of all A2ii country diagnostic studies undertaken so far and several other studies, globally. 

Click here to access the presentation slides
Click here to access the press release




Self-assessment and Peer Review on Regulation and Supervision supporting Inclusive Insurance Markets:

The International Association of Insurance Supervisors (IAIS) and the Access to Insurance Initiative (A2ii) have launched the Self-Assessment and Peer Review (SAPR) on Regulation and Supervision supporting Inclusive Insurance Markets. This SAPR assesses the supportiveness of supervisors to the cause of enhancing inclusive insurance markets.

If you would like to participate in or receive more information about the IAIS self-assessment, please contact the A2ii secretariat for assistance: secretariat[at]a2ii.org

Download more information on SAPR [pdf, 25kb]

Download SAPR questionnaire [pdf, 983 kb]

The Training Module and the online implementation of this product will play a big role in Initiative’s work plan for 2014

The training module on regulation and supervision supporting inclusive insurance markets was developed in 2013 as a cooperative project of the IAIS and the Initiative. It helps supervisors to implement effectively the concepts set out in the IAIS application paper on the same topic.

The financial inclusion training module will be transposed into an e-learning environment. Furthermore, it will be rolled out through the development of regional case studies and the hosting of seminars in Africa and Latin America and Caribbean, together with the Toronto Centre, as well as at least one regional seminar with the Financial Stability Institute (FSI). Furthermore, we will finalize the translation into Spanish and French of the Application Paper on Regulation and Supervision Supporting Inclusive Insurance Markets and the self-assessment tool.

Click here to download the A2ii-IAIS Training Module Regulation and Supervision Supporting Inclusive Insurance Markets.