Nairobi, Aug. 16 -- Kenyan insurers are redesigning products and distribution models to tap the country's large informal sector, with flexible premiums, digital platforms and embedded insurance emerging as key strategies to expand coverage.

The shift comes as conventional insurance products, which often require fixed and regular premium payments, struggle to reach workers whose incomes fluctuate from day to day.

The National Financial Inclusion Strategy 2025-2028 identified irregular incomes among informal workers as a major barrier to insurance access, alongside affordability and limited understanding of insurance products.

Insurers including CIC, Britam and Jubilee are responding by moving towards products that allow customers to pay...