• Distribution team is the first and in some cases, the only contact with the customer

• It is not merely selling but an entire customer experience

contacting

educating

promoting

counselling

enrolment

premium collectio

nassisting in

claims settlement

renewals

Distribution

• What does it do now?• Could it do more?• What would the challenges be and the

opportunities?

Promotion Enrolment Premium collection Education

Providing value-added

services

Claims reporting

Claims assessment

Claims payment

Channels- create value across the chain

Possible

channels

Financial institutions

Community-based

Informal retailers

Retail chainsAgent networks

MNOs

Village ‘chiefs’

Direct sales

• R4 Video

What is R4- how does it work

The 4 Rs

Partners/Delivery Channels

IMCEC c’est mieux

Partners and Channels

Ethiopia- Flow Chart Ethiopia Process Flow

REG

ISTR

ATIO

N A

ND

IF

A

PR

OC

ESS

IND

EX

DEV

ELO

PM

EN

T

AN

D P

AYO

UT

CA

LC

ULA

TIO

N

PAYO

UT D

ELIV

ER

Y

AN

D I

ND

EX

R

EFIN

EM

EN

T

PAPIL & BAMTAARE

Carry out

Provides 50% premium (other half subsidized by Government)

Manage IFA work

INSURANCE POLICIES

INDEXINSURANCE PRODUCT &

PRICING

Contributes in setting

RAINY SEASON

IFA

FEB

RU

AR

Y -

M

AY

JU

N -

SEP

AU

G -

D

EC

IRI Re-insurers

SFC Associations

CNAAS Senegal insurance company

Creates

FARMERS

Contribute in setting

Creates and maintains

WFP

Based on this:

Provides participants lists to

Registers and collects cash contributions from

La Lumière

Coordinates community engagement

PAY-OUTSTriggers

Calculate pay-outs and transfers funds

SFC Associations

IRI INDEX

FARMERS CNAAS & Re-insurers

Communicates outcomeOversees all

payments

Provides insurance policies to the SFC Associations

CNAAS Senegal insurance company

Chooses

Senegal Process Flow

Subsidiaries

Green Delta Insurance Company

39 Branches: 19 online branches

Gross Premium Income BDT 2681.37 Million / USD 34.38 Million 2014

Client Centric organisation focused on customer satisfaction

GDIC

Bank Seed CompanyPesticide Company MFI NGO Fertilizer

Company

Farmers Co-operative

Farmer

Distribution Channels

Partial Involvement with Farmers

Direct Involvement with Farmers

Future Partners Involvement with Farmers

Mobile Network

Weather Forecasting Company

Mobile Banking

Seed Company

Weather Data

Link between all participants

Advance Chemical Industries

Pharmaceuticals Agriculture Inputs

- IFC linkage for climate resilience - Close links with farmers- farm inputs, credit facility and

buy back arrangements- Over 600 hectares and 500 farmers in Lalmonirhat

& Kurigram directly involved

United Finance Limited

Financial Investment Institution

-Loan portfolio in remote & agri based areas- Geographical spread - Noakhali, Bhola, Rangpur,

Barisal, Rangamati-Direct access with the farmers-Well defined Operational Processes

SAJIDA FoundationNGO - Microinsurance

Health Support Agriculture & Livestock Loans

-Crop loans to small farmers -Supports Agriculture and Livestock Unit improvement

- enhancing food security for vulnerable farmers -Agriculture Investment in multiple locations

- Jamalpur & Chittagong

Range of distribution partners