Many of the retailers which have in the past distributed micro-insurance policies in the past in partnership with insurance companies rely on their large client base to reach out to the masses. Many sometimes have databases of information of a large number of customers through membership cards which have been useful to support product design and marketiing. Casas Bahia is a Brazilian furniture and home appliances retailer which specially caters for the low-income market with a large client base. With more than 665 stores located nationwide it serves more than 31 million customers annually. This was thus seen as a potential distribution channel to reach out to the low income market. In a partnership with MAPFRE insurance Brazil in 2004, casas