AISL Analysis
Perspectives
In-depth analysis on insurance and reinsurance in Africa: markets, mechanisms, structural trends. Written by the AISL team.
From 42% Yields to 8 Million Farmers: What Tokenized Reinsurance Could Bring to Africa
Oxbridge Re and ONRE are already running tokenized reinsurance instruments on blockchain, with observed yields between 12 and 42%. Three quantified scenarios for Kenya through 2030, and a comparative look at four other African markets.
Read the analysisNatural Disasters: Parametric Insurance as a Resilience Lever for Africa
Kilimo Salama, ARC, Nigeria's floods: how parametric insurance closes in days what traditional insurance takes months to repair, and why West Africa is the next frontier.
Read the analysisFunded Reinsurance: The Invisible Lever That Could Transform Insurance in Africa
Global reinsurance capital exceeds $800 billion, and funded reinsurance has become a structuring tool in mature markets. In Africa, the capital already sits on life insurers' balance sheets -- what is missing is structure. An illustrative model in the CIMA zone and a reading of a $3.5 billion potential.
Read the analysisWhen Rating Becomes an Entry Barrier: Is the A- Threshold Still Enough?
Rating has shifted from a signal of financial strength to a near-automatic eligibility criterion in several jurisdictions. A look at rating's structural limits (a static snapshot, historical distributions, capital over liquidity, aggregates that can mask concentrations), and six ways to move beyond a mechanical threshold.
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