When CARE India field officers delivered emergency relief services to the coastal regions ravaged by the 2004 tsunami, they were struck by the communities’ vulnerability to shocks and lack of access to appropriate risk protection tools, and assessed that microinsurance could be an effective product for these communities. Out of this determination, the CARE Insure Lives and Livelihoods (ILAL) microinsurance program was born. In collaboration with Allianz SE and Bajaj Allianz, CARE India designed a broad, long-term formal microinsurance program. The ILAL approach prioritized clients’ understanding of the value of insurance over purchasing a policy: the ultimate objective of the program was not to distribute policies, but to improve communities’ risk management capacities by improving their understanding of insurance.

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