Inclusivity Solutions are experts in creating inclusive digital insurance markets. We apply global experience and best practice to help mobile operators, insurers and other partners deliver sustainable insurance solutions for emerging consumers. We specialise in expanding markets to include unserved and underserved consumers to help protect them from shocks that can have devastating long-term financial consequences. It is estimated that up to 98% of people in emerging markets are unprotected from risks such as accidents, illness, death, natural disasters, and crop destruction. However, traditional insurance products, distribution models, and administration processes are ill-suited and uneconomical for serving these emerging consumers. Inclusivity Solutions delivers insurance solutions that meet the needs of emerging consumers and leverage the ubiquity of digital channels, such as mobile phones, to reach the greatest number of people. We provide the strategy, product and process design, implementation support, and platforms to not only introduce and grow digital insurance solutions, but also to build sustainable inclusive insurance markets. Inclusivity Solutions is backed by Reinsurance Group of America, Incorporated (NYSE: RGA); a leader in the global life reinsurance industry. RGA serves clients from operations in 26 countries around the world, delivering expert solutions in individual life reinsurance, individual living benefits reinsurance, group reinsurance, financial solutions, facultative underwriting and product development.