The Association of Insurance Brokers of Kenya (AIBK) has partnered with Birdview Microinsurance, to boost the uptake of microinsurance across Kenya.
The collaboration is grounded in a shared vision to deepen insurance penetration in a country where most low-income households, informal sector workers, and small businesses remain excluded from traditional insurance services.
Speaking during the announcement, Eliud Adiedo, CEO of AIBK, described the partnership as a crucial step toward financial inclusion through innovative insurance solutions.
“By focusing on niche markets and leveraging technology, we can break down the long-standing barriers to insurance access and bring the benefits of financial protection to those who need it most,” Adiedo said.
Despite growing awareness around the importance of financial security especially in the face of health emergencies, climate risks, and income shocks,Kenya’s insurance penetration rate remains below 3%, one of the lowest in Sub-Saharan Africa. Experts believe microinsurance, which offers affordable, simple, and tailored coverage options, could be the key to reversing this trend.
Birdview Microinsurance, a licensed provider known for its community-focused approach, says the company is committed to making insurance more inclusive, relevant, and human-centered. Its CEO, James Kimani, emphasized Birdview’s role in building trust and resilience among low-income populations.
“At Birdview, we are deeply committed to restoring dignity to our clients by providing affordable protection against everyday risks. With insurance brokers controlling nearly 40% of the market, they are well-positioned to champion microinsurance growth and strengthen its impact on grassroots communities,” Kimani noted.
A unique aspect of the partnership is its focus on digital innovation. Birdview is developing tech-driven solutions tailored for the Kenyan diaspora, enabling them to remotely purchase and manage medical insurance for their families back home. This not only promotes cross-border inclusion but also channels remittances toward structured, long-term financial security.
The alliance is expected to catalyze a more inclusive and innovation-driven insurance ecosystem, providing essential financial safety nets to millions who have traditionally been excluded. Through education, product simplification, and digital distribution channels, the partners aim to transform how insurance is perceived and accessed across Kenya.
In aligning with national development goals and Kenya’s financial inclusion agenda, the partnership is set to play a pivotal role in securing the economic future of informal sector workers, rural families, and micro-entrepreneurs,making insurance not just a product, but a pillar of social protection.
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