This report-produced in partnership with the Center for Financial Inclusion at Accion (CFI)-examines how insurers are expanding into new markets and reaching underserved customers through new technologies, business models, product designs, a deeper understanding of customers, and partnerships. This wave of efforts by insurers and entrepreneurs recognizes the market opportunity and needs of approximately 3.8 billion people globally who need better risk management solutions. Companies are pursuing insurance inclusion as a mainstream business.'