What does it take to build insurance that actually works for women?

For APA Insurance Kenya, the journey began with a realization: that women were underserved by the traditional insurance market — and that changing this could benefit not only their business, but society at large. With support from IFC and the Women Entrepreneurs Finance Initiative (We-Fi), APA embarked on a bold transformation to design products that reflect women’s needs, challenges, and aspirations across every stage of life.

The result was APA SHEild, a comprehensive women’s insurance program built on data, empathy, and market insight. From embedding women’s perspectives in product design, to adapting marketing strategies and strengthening internal capacity, APA’s story is a practical example of what inclusive innovation can look like in action.

Between 2022 and 2024, the company saw a 10% rise in policies sold to women and a 64% growth in gross written premium from this segment—demonstrating that inclusive insurance is not only possible, but powerful.

How did they do it, and what lessons can other insurers draw from their experience?
👉 Dive into the full case study to find out.