{"id":2506,"date":"2017-12-04T22:30:21","date_gmt":"2017-12-04T22:30:21","guid":{"rendered":"https:\/\/microinsurancemaster.org\/?p=2506"},"modified":"2023-02-22T10:14:13","modified_gmt":"2023-02-22T10:14:13","slug":"interview-with-geric-laude","status":"publish","type":"post","link":"https:\/\/microinsurancemaster.org\/interview-with-geric-laude\/","title":{"rendered":"Geric Laude on delivering 6700% growth in microinsurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2506\" class=\"elementor elementor-2506\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-rp6xarf margin_top1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"rp6xarf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-mgt5dbe\" data-id=\"mgt5dbe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8p0ry0 elementor-widget elementor-widget-spacer\" data-id=\"b8p0ry0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7vmg3r main-article-title elementor-widget elementor-widget-heading\" data-id=\"f7vmg3r\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Delivering 6700% growth in microinsurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d80331 main-article-title elementor-widget elementor-widget-heading\" data-id=\"1d80331\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Interview with Geric Laude, Pioneer Microinsurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1qdh6bw elementor-widget elementor-widget-image\" data-id=\"1qdh6bw\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/elementor\/thumbs\/Pioneer-Microinsurance-growth-qb3jfxa6htjjh8h5nwmd9mss98xz7gaw60xs06cgjo.jpg\" title=\"Pioneer Microinsurance growth\" alt=\"Pioneer Microinsurance growth\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-s093rgq margin_top1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"s093rgq\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b161vvw\" data-id=\"b161vvw\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19fx7ha elementor-widget elementor-widget-spacer\" data-id=\"19fx7ha\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-jeck9na elementor-widget elementor-widget-text-editor\" data-id=\"jeck9na\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><i>By Bert Opdebeeck<\/i><\/p><p>One of the most successful exponents of growing a microinsurance business is Pioneer Microinsurance in the Philippines. The company has grown enrolments from just over a quarter of a million to 18 million in the past five years. That\u2019s a dazzling 6697 percent growth in half a decade!<\/p><p>This is particularly impressive because about half of these enrolments are for voluntary products in life, accident and property rather than mandatory products.<\/p><p>This success and how it was planned and delivered is the main reason why we\u2019re so delighted to have our immersion training at Pioneer Microinsurance with the upcoming <a href=\"https:\/\/microinsurancemaster.org\/programme\/\">Microinsurance Master programme<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c785d5 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"0c785d5\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-image-box .elementor-image-box-content{width:100%}@media (min-width:768px){.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper,.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{display:flex}.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{text-align:end;flex-direction:row-reverse}.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper{text-align:start;flex-direction:row}.elementor-widget-image-box.elementor-position-top .elementor-image-box-img{margin:auto}.elementor-widget-image-box.elementor-vertical-align-top .elementor-image-box-wrapper{align-items:flex-start}.elementor-widget-image-box.elementor-vertical-align-middle .elementor-image-box-wrapper{align-items:center}.elementor-widget-image-box.elementor-vertical-align-bottom .elementor-image-box-wrapper{align-items:flex-end}}@media (max-width:767px){.elementor-widget-image-box .elementor-image-box-img{margin-left:auto!important;margin-right:auto!important;margin-bottom:15px}}.elementor-widget-image-box .elementor-image-box-img{display:inline-block}.elementor-widget-image-box .elementor-image-box-title a{color:inherit}.elementor-widget-image-box .elementor-image-box-wrapper{text-align:center}.elementor-widget-image-box .elementor-image-box-description{margin:0}<\/style><div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img fetchpriority=\"high\" decoding=\"async\" width=\"500\" height=\"489\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/10\/Geric-Laudec.jpg\" class=\"attachment-full size-full wp-image-1803\" alt=\"Geric Laude\" srcset=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/10\/Geric-Laudec.jpg 500w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/10\/Geric-Laudec-300x293.jpg 300w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/10\/Geric-Laudec-350x342.jpg 350w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><p style=\"font-size: 14px; font-style: normal; font-weight: 500; color: rgb(75, 75, 75); white-space: normal;\">I recently sat down with Geric Laude, President and CEO of Card Pioneer. It was an excellent opportunity to ask some key questions about the secrets of Pioneer\u2019s incredibly rapid growth.<\/p><p style=\"font-size: 14px; font-style: normal; font-weight: 500; color: rgb(75, 75, 75); white-space: normal;\">His answers are packed with golden nuggets that deserve several blog posts! For now, I\u2019ve condensed them down into four key points, as detailed below\u2026<\/p><\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ujx9qci elementor-widget elementor-widget-spacer\" data-id=\"ujx9qci\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ontfh9q elementor-widget elementor-widget-heading\" data-id=\"ontfh9q\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\"><b>1. Plan for success<\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-303453f elementor-widget elementor-widget-image\" data-id=\"303453f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"900\" height=\"400\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/PIoneer-Microinsurance-Journey-Mapping3.jpg\" class=\"attachment-full size-full wp-image-2508\" alt=\"Pioneer Microinsurance Journey Mapping\" srcset=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/PIoneer-Microinsurance-Journey-Mapping3.jpg 900w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/PIoneer-Microinsurance-Journey-Mapping3-300x133.jpg 300w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/PIoneer-Microinsurance-Journey-Mapping3-768x341.jpg 768w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/PIoneer-Microinsurance-Journey-Mapping3-350x156.jpg 350w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-lbsx4gm elementor-widget elementor-widget-text-editor\" data-id=\"lbsx4gm\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Success rarely happens by accident. Geric believes that microinsurance businesses must get the right people in the right positions; and then plan for growth.<\/p><p>Pioneer planned for their success and Geric puts the phenomenal growth down to the following key components:\u00a0<\/p><ul><li><span style=\"color: #3fae07;\"><strong>Assign a \u2018champion\u2019 to the role<\/strong><\/span><br \/>Many microinsurance businesses appoint a coordinator in charge of rolling microinsurance products out to the market. Planning for success requires more than this. At Pioneer, the microinsurance side of the business was given a high degree of autonomy. A \u2018champion\u2019 (Geric) was appointed to a separate business segment with a wide mandate. He did not need to wait for approval on decisions from elsewhere but he frequently needed to engage with the larger parent insurance organisation to drive through strategies. In fact, he had to put all his energy and credentials into the process, risking his career. It was bold &#8211; but it paid off.<\/li><li><span style=\"color: #3fae07;\"><strong>Go beyond the comfort zone<br \/><\/strong><\/span>Insurance organisations often have a very traditional way of operating, with well-defined systems and processes that are not well-suited to the needs of microinsurance. Geric and key stakeholders within Pioneer had to challenge the existing mindset in order to bring more focus on the unique challenges of the poor Filipinos they serve..<\/li><li><span style=\"color: #3fae07;\"><strong>Be clear on the value proposition<br \/><\/strong><\/span>Any microinsurance company must be clear on the value it offers the market \u2013 what it does better than any other company. Customers told Pioneer that they needed claims to be paid quickly and that is just what happened. Pioneer Microinsurance built a solid reputation as the insurer that pays claims fast: half of them within two days.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-v6k5xpp elementor-widget elementor-widget-spacer\" data-id=\"v6k5xpp\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-tldk8vi elementor-widget elementor-widget-heading\" data-id=\"tldk8vi\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\"><b>2. How to spur growth<\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1450d97 elementor-widget elementor-widget-image\" data-id=\"1450d97\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"4128\" height=\"1834\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-client-meeting.jpg\" class=\"attachment-full size-full wp-image-2511\" alt=\"Pioneer Microinsurance client meeting\" srcset=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-client-meeting.jpg 4128w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-client-meeting-300x133.jpg 300w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-client-meeting-768x341.jpg 768w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-client-meeting-1024x455.jpg 1024w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-client-meeting-350x155.jpg 350w\" sizes=\"(max-width: 4128px) 100vw, 4128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-l1fsufq elementor-widget elementor-widget-text-editor\" data-id=\"l1fsufq\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Growth is first planned for \u2013 and then must be delivered. For Pioneer Microinsurance, this came down to several key focuses:<\/p><ul><li><strong><span style=\"color: #3fae07;\">Building reputation through a unique value proposition<\/span><br \/><\/strong>Pioneer Microinsurance customers essentially became its champions, spreading the word and inspiring organic customer growth.<\/li><li><strong><span style=\"color: #3fae07;\">Reducing customer \u2018churn\u2019<\/span><br \/><\/strong>Customers talking positively about you are less likely to change provider, allowing Pioneer Microinsurance to significantly grow its base.<\/li><li><strong><span style=\"color: #3fae07;\">Building strong partnerships<\/span><br \/><\/strong>Customer growth is only part of the story; when word started spreading, prospective partners presented themselves to Pioneer Microinsurance. This presented new opportunities to spur growth for the business.<\/li><li><strong><span style=\"color: #3fae07;\">Incentivisation<\/span><br \/><\/strong>During discussions with partners, new ways to incentivise staff to sell insurance, such as including it in employees\u2019 performance reviews, presented themselves. This helped spur more volume for Pioneer Microinsurance.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21fe3br elementor-widget elementor-widget-spacer\" data-id=\"21fe3br\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bich5t2 elementor-widget elementor-widget-heading\" data-id=\"bich5t2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\"><b>3. Managing such rapid growth<\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed06932 elementor-widget elementor-widget-image\" data-id=\"ed06932\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"455\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-team-1024x455.jpg\" class=\"attachment-large size-large wp-image-2510\" alt=\"Pioneer Microinsurance team\" srcset=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-team-1024x455.jpg 1024w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-team-300x133.jpg 300w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-team-768x341.jpg 768w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-team-350x155.jpg 350w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/12\/Pioneer-Microinsurance-team.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">The Pioneer Microinsurance team<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-h5e7i82 elementor-widget elementor-widget-text-editor\" data-id=\"h5e7i82\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Rapid growth presents great opportunities but also considerable challenges for companies, who must manage resources carefully. I asked Geric how Pioneer Microinsurance kept up with this growth and, in particular, their fast claims settlement.<\/p><p>Geric pointed out that Pioneer Microinsurance was able to leverage opportunities by:<\/p><ul><li><strong><span style=\"color: #3fae07;\">Separating and understanding the numbers<br \/><\/span><\/strong>The microinsurance part of the business must be a separate entity with a separate set of figures apart from the general insurance side of the business. Geric and his team were better able to track progress and monitor what was working and what was not. By drilling down into these numbers, they quickly got to know exactly what was happening in the business.<\/li><li><strong><span style=\"color: #3fae07;\">Understanding and anticipating the rhythm of the business<\/span><\/strong>\u00a0<br \/>By understanding the numbers, the Pioneer Microinsurance team has been better able to \u2018tune in\u2019 to the \u2018rhythm\u2019 of the business. This allows them to forecast 12 months and even 2-3 years ahead in terms of enrolments and claims. This has been incredibly important for managing growth effectively by planning for the right manpower and other resources. Geric argues that you can\u2019t succeed by being reactive: if you don\u2019t know what the numbers will be in 12 months\u2019 time, planning becomes impossible and you will fail to live up to the expectations of your customers.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aogh5b3 elementor-widget elementor-widget-spacer\" data-id=\"aogh5b3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-lockc07 elementor-widget elementor-widget-heading\" data-id=\"lockc07\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\"><b>4. The road ahead: focus on customer centricity<\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac1e9f0 elementor-widget elementor-widget-image\" data-id=\"ac1e9f0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"849\" height=\"449\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/Pioneer-client-visit.jpg\" class=\"attachment-full size-full wp-image-2453\" alt=\"Pioneer client visit\" srcset=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/Pioneer-client-visit.jpg 849w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/Pioneer-client-visit-300x159.jpg 300w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/Pioneer-client-visit-768x406.jpg 768w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/Pioneer-client-visit-350x185.jpg 350w\" sizes=\"(max-width: 849px) 100vw, 849px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Geric Laude and Pioneer Microinsurance staff members exchanging with one of their clients in the Philippines<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5prleyv elementor-widget elementor-widget-text-editor\" data-id=\"5prleyv\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Having experienced such astounding growth, I wondered how Geric saw the business developing from here.<\/p><p>He explained to me that the focus for Pioneer Microinsurance for the next five or ten years (and beyond) is evolving with the existing customer base and catering insurance solutions for their individual journeys.<\/p><p>For many people, Pioneer Microinsurance offers insurance for the very first time. Most of their customers are from poor backgrounds. However, over time, they will hopefully be able to work their way out of poverty &#8211; helped, in part, by increased microinsurance coverage.<\/p><p>Recognising the journey that poor Filipinos are on is key to the future success of Pioneer Microinsurance.<\/p><p>The focus, then, has switched from securing a high volume of new enrolments to better understanding and servicing the exact needs of existing customers &#8211; especially as these needs constantly evolve.<\/p><p>Recognising and developing the insurance solutions that will help them on their journeys \u2013 even before the people themselves know they need them &#8211; has become key for the future.<\/p><p>To achieve success in the future, Geric argues, requires organisations to be <em>purposefully designed for customer centricity<\/em>, rather than it simply being a reactive after-thought.<\/p><p>He believes that Pioneer Microinsurance will further evolve into a learning organisation, helping it to continue to provide exceptional service for its customers and contributing to the future growth of the business.<\/p><p><strong><em>If you want to learn first-hand from Pioneer Microinsurance\u2019s success, join the upcoming Microinsurance Master accelerator programme. <\/em><\/strong><\/p><p><strong><em>Starting on 3 July 2023, you will join a two-week immersion in Kenya and work closely with leaders from Pioneer Insurance. This is followed by 3 months of mentoring by microinsurance leaders to implement your takeaways back home. Express your interest <a href=\"https:\/\/microinsurancemaster.org\/apply-now\/\">here<\/a>.<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ejj16z2 elementor-widget elementor-widget-spacer\" data-id=\"ejj16z2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2bafb33 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2bafb33\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8029a13\" data-id=\"8029a13\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1064d62\" data-id=\"1064d62\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pioneer Microinsurance in the Philippines grew to 18 million enrollments in the past 5 years.  We asked Geric Laude the secrets of this phenomenal growth.<\/p>\n","protected":false},"author":1,"featured_media":1860,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Geric Laude on delivering 6700% growth in microinsurance - Microinsurance Master<\/title>\n<meta name=\"description\" content=\"Pioneer Microinsurance in the Philippines grew to 18 million enrollments in the past 5 years. 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