Milk Project

Partner Organizations


Housed at the International Labor Organization's Social Finance Program, the Microinsurance Innovation Facility seeks to increase the availability of quality insurance for the developing world's low-income families to help them guard against risk and overcome poverty. MILK and the Facility take different but complementary paths to understanding client value and business case. MILK and the Facility will work in close collaboration, leveraging each other's research and dissemination efforts and co-producing certain outputs to strengthen understanding of the key questions.


MicroEnsure is an insurance intermediary dedicated to serving the poor throughout the developing world, providing services related to product design, implementation and development, client education and training, claims processing, business process outsourcing, and automated insurance management systems in nine countries. MicroEnsure collaborates with MILK to collect client value and business case lessons from selected products and partner organizations. MILK will also analyze the operations of MicroEnsure as a whole to gain further understanding of the business case for intermediaries.

Quote of the Day

"I was stranded in New York City during the 2003 blackout, and for the next two years, I carried a small flashlight in my backpack. The flashlight did not cost much, but its potential to help in another blackout was obvious and to use it I needed only to press a button. For microinsurance to be accepted on a massive scale, it cannot cost much, its value must be obvious, and it must be simple to use." -- Brandon Matthews | Head of Microinsurance, Zurich Financial Services

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