Description: Microinsurance mechanisms provide coverage to low income earners, but a growing middle class is often lacking adequate access to insurance services. The author explores ways in which insurance may be more accessible.

Description: A description about current efforts of several Central and Southern Europen countries to improve penetration and density of insurance coverage, in the personal view of Renata De Leers. De Leers has spent many years consulting with regulators and industry leaders, and is an advocate of inclusive insurance solutions, as a way to foster economic development.