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<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'><a
href="http://www.microcapital.org/microcapitalorg-brief-opportunity-international-subsidiary-microensure-partners-with-care-to-launch-funeral-microinsurance-product/">http://www.microcapital.org/microcapitalorg-brief-opportunity-international-subsidiary-microensure-partners-with-care-to-launch-funeral-microinsurance-product/</a><o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'>MicroEnsure
is delighted to announce the launch of its partnership with CARE International
to sell voluntary funeral insurance to its Village Savings and Loan clients. The
interesting aspects of this project include;<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoListParagraph style='text-indent:-18.0pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span
style='font-family:Symbol'><span style='mso-list:Ignore'>·<span
style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span style='font-family:"Trebuchet MS","sans-serif"'>Extremely
low income group – the VSLA is made up of rural women who save small amounts
weekly and then allocate loans from the groups savings. Typically the loans are
tens of dollars and so the ability to pay premiums is limited.<o:p></o:p></span></p>
<p class=MsoListParagraph style='text-indent:-18.0pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span
style='font-family:Symbol'><span style='mso-list:Ignore'>·<span
style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span style='font-family:"Trebuchet MS","sans-serif"'>Uses
a group opt in or opt out to ensure that the clients receive education and have
an opportunity to understand the product.<o:p></o:p></span></p>
<p class=MsoListParagraph style='text-indent:-18.0pt;mso-list:l0 level1 lfo1'><![if !supportLists]><span
style='font-family:Symbol'><span style='mso-list:Ignore'>·<span
style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span style='font-family:"Trebuchet MS","sans-serif"'>The
lack of a regular interface with the group (e.g. loan officer) and historical
training to “never pay an outsider anything” posed challenges for
how to economically collect premiums and disburse claims resulting in a field
office being established by MicroEnsure to see whether the model could support
specific sales infrastructure in a rural setting.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'>As
ever – happy to try and answer questions!<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'>Best
regards<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Trebuchet MS","sans-serif"'><o:p> </o:p></span></p>
<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=680
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<td colspan=2 style='padding:0cm 0cm 0cm 0cm'>
<p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Trebuchet MS","sans-serif";
color:black'>Richard Leftley</span></b><span style='font-size:14.0pt;
font-family:"Trebuchet MS","sans-serif";color:black'><o:p></o:p></span></p>
</td>
</tr>
<tr>
<td colspan=2 style='padding:0cm 0cm 0cm 0cm'>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span
style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#91897E'>President
& CEO<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width=441 valign=bottom style='width:330.75pt;padding:0cm 0cm 0cm 0cm'>
<p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span
style='font-size:10.0pt;font-family:"Trebuchet MS","sans-serif";color:#91897E'>Telephone:
+1 630 687 1950<br>
Mobile: +44 (0)7800 593 604<br>
Skype: richard.leftley<br>
Email: <a href="mailto:richard.leftley@microensure.com"><span
style='color:#91897E;text-decoration:none'>richard.leftley@microensure.com</span></a><br>
Web: <a href="http://www.microensure.com"><span style='color:#91897E;
text-decoration:none'>www.microensure.com</span></a><o:p></o:p></span></p>
</td>
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border=0 width=239 height=81 id="Picture_x0020_1"
src="cid:image001.gif@01CA6442.79D74290"
alt="http://www.microensure.com/brandstationery/emailgen/microensure_logo.gif"><o:p></o:p></span></p>
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color:#91897E'><img border=0 width=442 height=122 id="Picture_x0020_2"
src="cid:image002.gif@01CA6442.79D74290"
alt="http://www.microensure.com/brandstationery/emailgen/ft-winner.gif"><o:p></o:p></span></p>
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