ICMIF has been providing development support to its members in emerging markets for almost sixty years and in 2015 established a charitable organisation called The ICMIF Foundation (registered charity in England and Wales No. 1179919) to take the work to the next level. The ICMIF Foundation launched its 5-5-5 Mutual Microinsurance Strategy in June 2016 and has currently reached over two million low-income households in total with insurance and resilience building efforts. This equates to over 10 million lives being impacted when averaging five people per household.

Charitable objectives

The relief of financial hardship, in particular in communities which are socially and economically disadvantaged and including those exposed to economic, social and climate shocks or the impact of conflict, by:

  1. Supporting the development and use of affordable mutual insurance products
  2. Educating the public on the subject of inclusive mutual insurance as a means of safeguarding livelihoods.


Promoting risk reduction and risk prevention activities in low-income communities and working with community-based organisations to facilitate access to appropriate mutual microinsurance through financial education, infrastructure development and training.

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