Insights
Field notes on supervision, distribution and claims from the teams building insurance infrastructure for African markets.
Regulation
Capital is no longer a single number on a return. Supervision increasingly follows the risk an insurer actually carries — and that changes what the business has to be able to show.
Distribution
Mobile money made premiums collectable in amounts that were previously uneconomic. The constraint moved from payment rails to whether the rest of the journey can operate at the same size.
Claims
Customers experience insurance once: at claim. Everything before that is a promise, and turnaround is the only part of it they can measure.
Distribution
Embedded distribution reaches people who would never approach an insurer directly. It also moves the service burden onto institutions whose core business is not insurance.
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