This document summarizes a presentation given at the 2010 RBAP-MABS National Roundtable Conference about developing and managing microinsurance products and partners. The presentation discusses FAIR Bank's background with microinsurance since 2002 and the new regulatory framework established in 2009. It outlines keys to a successful transition, including researching the external environment, choosing the right microinsurance partner, building internal capability, and implementing infrastructure like developing products and training personnel. The goal is finding a microinsurance partner that supports fast claims processing, simplified procedures, and the rural bank's value proposition.
An explanation of the three lines of defense model in risk management, how a second line of defense mitigates risk, and how to set up a second line of defense.
Recent news of financial misappropriation by employees, brand hijacking and even natural disasters have left many businesses in the lurch and even closed many. As a business owner or leader, time and knowledge is critical. The pace of each day leaves little time for knowing every facet of your business. As budgets tighten, you are pressed to do more with less. It is not uncommon to have a myriad of things fall through the cracks - blind spots! This year's 7-7-7 panel will explore the many blind spots that exist and offer some simple and practical tips for identifying and preventing them from doing further damage.
An explanation of the three lines of defense model in risk management, how a second line of defense mitigates risk, and how to set up a second line of defense.
Recent news of financial misappropriation by employees, brand hijacking and even natural disasters have left many businesses in the lurch and even closed many. As a business owner or leader, time and knowledge is critical. The pace of each day leaves little time for knowing every facet of your business. As budgets tighten, you are pressed to do more with less. It is not uncommon to have a myriad of things fall through the cracks - blind spots! This year's 7-7-7 panel will explore the many blind spots that exist and offer some simple and practical tips for identifying and preventing them from doing further damage.
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Developing, Marketing, and Managing Micro-Insurance Products and Partners
1. Developing and Managing Microinsurance
Products and Partners
Dinah Verallo
FAIR Bank
2010 RBAP‐MABS Na.onal Roundtable Conference
Hya= Hotel and Casino, Manila
June 3, 2010
4. Regulatory Framework for Microinsurance
National Strategy to
Microfinance
GOVERNMENT
BSP SEC FIN IC CDA Others
RURAL BANKS
INFORMAL
INSURANCE
MICROINSURANCE MARKET
5. Regulatory Framework for Microinsurance
GOVERNMENT
BSP SEC FIN IC CDA Others
• Minimization of
INSURANCE COMPANIES Risk
RURAL BANKS
• Shared
FORMAL INSURANCE responsibility
MICROINSURANCE MARKET
• Clients’ Benefits
6. Why Opt for Formal Microinsurance?
CLIENT’S SHARED RISK
BENEFITS RESPONSIBILITY MINIMIZATION
• RB and IC • Rural Bank and • Compliance
relationship the Insurance • Reputation
fosters improved Company (assurance of
services and • RB as the systematic
insurance institutional procedures on
product microinsurance claims)
• Lower premiums client • Financial
• Faster claim
procedure
7. Keys to Successful Transitioning
Research Phase
Fear of the unknown makes us resist for change
Knowing Where to Go, What to Expect in the
Journey, and How to Enjoy the Ride
8. Keys to Successful Transitioning
Research Phase
MI Regulatory
External Environment Framework
BSP Circular No. 683
Series of 2010
Market Information
Parameters in
Choosing MI Partner
9. Keys to Successful Transitioning
Research Phase
MI Regulatory
External Environment Framework
BSP Circular No. 683
Series of 2010
Market Information
Technical Parameters in
Support Choosing MI Partner
10. Keys to Successful Transitioning
Research Phase Market Information
External Environment
Technical
Support
Market Needs/Preference
11. Keys to Successful Transitioning
Research Phase Market Information
External Environment
Technical
Support
Focus Group Discussion
12. Keys to Successful Transitioning
Research Phase Choosing MI Partner
External Environment
Technical
Support
Pioneer Life Inc.
13. Keys to Successful Transitioning
Research Phase
External Environment
Strengths vs.
Weaknesses
Internal Environment
Gap Analysis
Need vs. Existing
Capability
14. Keys to Successful Transitioning
Implementation Phase
Infrastructure Lay-out
Capability-Building roduct Development
P
Team
Product Features
Procedures
Technical I Partnership
M
Support Negotiation
15. Keys to Successful Transitioning
Infrastructure Lay-Out/ Transition Plan
Product Development Plan Eligibility
Features
Processes
Guidelines
Promotions
Choosing
the right MI
Partner
16. Keys to Successful Transitioning
Infrastructure Lay-Out/ Transition Plan
Product Development Plan
Clients
Communication Plan
Share-
Personnel
holders
17. Keys to Successful Transitioning
Infrastructure Lay-Out/ Transition Plan
Product Development Plan
Communication Plan
Rationale
Product
Training Plan
Procedures
18. Keys to Successful Transitioning
Infrastructure Lay-Out/ Transition Plan
Product Development Plan
Communication Plan Reconciliation of
Balances
Training Plan Cut-Off of Informal
Insurance Database
MIS Plan Baseline Data
19. Keys to Successful Transitioning
Implementation Phase
Preparing the
Training (Internal)
Employees for the
Change
Understanding the
Regulatory
Technical
Framework
Support
20. Keys to Successful Transitioning
Implementation Phase
Training(Internal)
nderstanding the
U
Basic Procedures on
Availment and Claims
Technical
Support
21. Keys to Successful Transitioning
Finding the Right MI Partner
The MI Partner must Fast Processing of
support
claims
Simplified Claims
Procedures
Alternative/
Substitute
Documents
22. Keys to Successful Transitioning
Finding the Right MI Partner
Negotiation with the MI hoose a MI Partner
C
that supports your
value proposition
Duly authorized by
law and has complied
all requirements
Willing to support all
the promotions
campaign of the bank