Formal financial inclusion in Zambia has increased significantly, from 22.2% of adults in 2009 to 37.9% of adults in 2015. Uptake and usage of mobile money (MM) has been the biggest driver. Yet, insurance penetration is very low, with only 2.8% of adults using insurance products.2 After a lack of awareness, the lack of efficient distribution channels is a major reason for low insurance uptake.