Selling Insurance Through Agent Networks

Distribution is one of the biggest obstacles in offering insurance services to low-income households, small enterprises and rural communities. Digital channels offer new opportunities, but a more high-touch model is often needed to educate households about insurance and to build trust. Agent networks, such as those used in banking and microfinance, can help address some of these challenges faced in insurance.

This brief presents ten lessons from banks, MFIs and existing experiences of insurers in establishing and using agent networks, laying out the different ways these networks can operate.

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By Aparna Dalal, Indira Gopalakrishna & Alice Merry