Our recent report, Innovation in Insurance, documented technology-driven changes underway in the insurance industry. One exciting implication of these advances is the potential to increase coverage for low-income customers. Historically, it has been difficult for insurers to service low-income communities, especially in developing countries, due to a variety of factors, including pricing complications, moral hazard, elevated expense ratios, asymmetric information, and adverse selection. This is beginning to change. Thanks to innovation-primarily new data technology and the spread of mobile phones-there is a new opportunity to make insurance more accessible to uninsured and underinsured populations.