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This report – supported by the Bill & Melinda Gates Foundation – relies on case studies drawn from the health sector to provide a better understanding of female sales forces. When are women direct sales forces be best-placed to reach low-income (women) consumers and why? How much income can women sales agents truly hope to make from these models?  What practical requirements and best practices can help make these models successful?

Microinsurance is growing and expanding throughout Africa. Led by the ILO's Microinsurance Innovation Facility and the MicroInsurance Centre, Briefing Note #1 identified over fourteen million low-income people in Africa who were covered by microinsurance at the end of 2008. The outreach almost doubled over the last 4 years. Even with such growth, there are clearly significant gaps. Substantial parts of the continent remain almost barren of microinsurance. Health, agriculture and property covers, all significantly in need by the low-income market, are evident as a mere fraction of life insurance coverage. This study provides a detailed picture of microinsurance in Africa and discusses challenges in the years to come in order to facilitate broader, high-quality expansion.