Milk Project

MILK Core Team Members

Michael J. McCord // MILK Project Director

President, MicroInsurance Centre

Michael combines experience as controller of a US commercial bank, CEO of an MFI in Uganda, Regional Director for microfinance programs in Africa, and since 2000, President of the MicroInsurance Centre, to promote knowledge on developing and managing microinsurance products. His specializations include institutional development for microinsurance, new product development, and assessment and analysis of microinsurance programs.

He has written extensively on microinsurance – including as a multiple contributor to "Protecting the Poor, A Microinsurance Compendium" and as co-author of "Making Insurance Work for Microfinance", as well as "The Landscape of Microinsurance in the World’s 100 Poorest Countries" (2007). Michael is the author of numerous microinsurance case studies and documents aimed at facilitating partnerships in microinsurance. He is also the author of several other documents and manuals on subjects as varied as pilot testing, rollout, and the feedback loop for microfinance institutions, MFI accounting and analysis, and the function of laws.

Rick Koven // MILK Project Manager: Business Case

Private Consultant

Rick has 30 years of experience managing and consulting with insurance companies, health plans and self-funded programs. In his consulting practice Rick works with several dozen insurance companies across the US to re-engineer insurance and ASO product lines, develop new market segments, increase premiums/membership, and build efficient, financially and operationally sound operations.

On the international front, Rick has worked with emerging microinsurance programs for over ten years under contracts with USAID, World Bank/CGAP, BMGF and others in India, Philippines, the Caribbean and elsewhere. For many years, he was Executive Vice President with Amalgamated Life Insurance Company, a New York based AM Best "A" rated carrier focused on trade union business.

Barbara Magnoni // MILK Project Manager: Client Value

President, EA Consultants

Since 2000, Barbara has been working in economic development programs with a strong focus in Latin America. She was lead analyst and trainer on a one year activity for Pro Mujer International that aimed to strengthen and centralize its current client information and feedback loop. She also performed extensive analysis of the market and client needs in Nicaragua, where she worked closely with Banex, a former MSME financial institution. She has designed microinsurance programs for a number of institutions, networks and government agencies including INISER (Nicaragua’s largest insurer) and most recently FOSIS (A Chilean government social protection program). In 2010, she co-authored a study for the IDB/FOMIN on the opportunities and constraints for offering microinsurance to immigrants in the United States.

Quote of the Day

"Regulations are way behind the reality" - Reto Schnarwiler | Head Americas and EMEA Global Partnerships, Swiss Re

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