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OUR MISSION Humanity Insured's mission is to stop climate disasters causing poverty in the most vulnerable communities by increasing these communities' financial preparedness. WHY WE DO IT Climate change disproportionately impacts the c.3.6 billion people who make-up the poorest and most at-risk communities. The costs associated with climate risks for these communities are projected to escalate steeply in the coming decades. By 2030 the impacts of climate change are estimated to cost developing countries between US$290 billion and US$580 billion annually, rising to between US$1,132 billion and US$1,741 billion by 2050 (R. Mechler, L.M. Bouwer, T. Schinko, S. Surminski, J. Linnerooth-Bayer (eds.), Loss and Damage from Climate Change: Concepts, Methods and Policy Options, 2019). The livelihoods of many in these countries are highly reliant on, and vulnerable to climate shocks. Yet the anticipatory risk-transfer and financial preparedness tools that are commonly used in developed markets, most notably insurance, remain out of reach for these communities. While 35% of the natural catastrophe-related losses globally over the last decade were insured, the figure for developing countries was less than 10% or even close to zero (Munich Re, Natural disaster risks - Rising trend in losses). Providing insurance for these communities is crucial for both financial stability and well-being. It ensures quick recovery after disasters, reduces financial hardships, and promotes resilience (University of Cambridge Institute for Sustainability Leadership, Mutual microinsurance and sustainable development, 2016). Without insurance, these communities remain trapped in a cycle of poverty, unable to rebuild and recover effectively after climate-induced disasters. The absence of insurance exacerbates economic instability and vulnerability, making it difficult for these populations to achieve long-term development and progress. This fundamental imbalance demands a solution whereby underserved populations are empowered to access the financial safety nets that make preparedness and resilience possible. Humanity Insured seeks to make this happen. HOW WE DO IT The most vulnerable communities on the climate crisis frontline are primarily excluded from the insurance market because the products and solutions are too expensive and not designed for the specific climate risks and impacts local communities are facing. Humanity Insured addresses these market failures by making climate insurance available and affordable at scale for the first time to communities at the greatest risk of climate-induced poverty in Latin America, Africa, and Asia. Through the robust safety net insurance provides we ensure smallholder farmers, coastal communities, urban workers, and displaced populations have the resilience to withstand the increasing risks posed by climate change and extreme weather events. We do this by: 1. Mobilising philanthropic and private sector capital to pay a portion of the insurance premium and fit-for-purpose climate insurance solutions that prepare and protect communities. In some instances, we will also work with partners to create capital pools that provide guaranteed payments to communities when a pre-agreed climate event happens. 2. Funding climate modelling and analytics that enable communities to understand the climate risks they face. This access to information will inform decisions on how communities can best adapt and prepare. 3. Funding, alongside the insurance protection, a community's access to resilience building assets or training that reduce climate-related impacts on livelihoods. 4. Creating collaborative funding opportunities that provide protection to more people. Financing for resilience building solutions is relatively accepted and covered by other funders from across the donor community. However, philanthropic funding for premium payments and capital pools for scientifically triggered, guaranteed financial protection is severely underfunded as many donors have not yet adopted it as common practice. Humanity Insured aims to fill this funding gap, therefore most of our grants will be allocated to the purchase of insurance (or other mechanisms of scientifically triggered, guaranteed financial protection). Where possible we fund insurance that provides a layer of financial protection on top of adaption or resilience building efforts financed by another organisation (e.g., providing drought insurance in conjunction with another organisation's funding for better irrigation practices). OUR IMPACT In making insurance available at scale to the most climate-vulnerable communities, Humanity Insured will stop climate disasters from driving poverty by: 1. Providing financial security and protection that unlocks a virtuous cycle of investment and income growth, which secures livelihoods and improves lives. 2. Establishing guaranteed safety nets that empower communities to prepare for and recover after climate shocks. 3. Multiplying the impact and value of funds available for communities on the climate frontline by (i) re-directing funding towards pre-emptive solutions that build resilience, and (ii) leveraging funds from an insurance balance sheet to support community recovery after climate shocks. By directing funds to the activities detailed above, Humanity Insured will help people grow confidence and resilience, so they can invest in everything from education to new farming techniques. For the first time, the global insurance industry is coming together with philanthropy and jointly backing an initiative to help protect the world and ensure everyone can progress. Our short-term goal is to collaborate with insurance, philanthropy, and other private sector industries to leverage $2 billion of insurance capacity by 2030 for 10 million people on the climate-crisis frontline.

Mover - Movement for Racial Equity is a non-profit association that, through awareness raising and promoting the development of careers and businesses for black people, aims to promote and accelerate the promotion of racial equity. Currently, it is made up of more than 50 companies that work collaboratively to accelerate the journey of racial inclusion, through joining forces and exchanging good practices. Together the associates total more than 1.3 million employees. Together, by raising awareness and promoting racial literacy, we boost the promotion of diversity, equity and inclusion in the corporate world, reflected in all spheres of society. A model that has been achieving significant results and gaining traction in its pace of transformation. Our goal, by 2030, is to generate 10,000 more black leaders through inclusive recruitment and development models; and 3 million impacts for black people with courses, training and business opportunities for black entrepreneurs.

Empower low-income youth and prepare them for the world with language learning, international connections and exchange opportunities.

We take care of the people who protect the Amazon Rainforest, such as the indigenous and riverine population.

The Brazilian Institute of Education, Culture, and Health for Human Development - IBECDH is a private, non-profit institution with a social and inclusive character, recognized as being of national, state, and municipal public utility. It is qualified as a Social Organization in the State of Bahia and operates in providing services in both the public and private spheres, with the mission of serving society with humanization in its areas of operation. It is a non-profit entity whose primary objective is to use and disseminate innovative management practices, as well as the development and management of projects in its areas of operation, capable of maximizing results by providing professional services with the aim of human development, strengthening IBECDH's mission, which is to "promote human development and improve people's quality of life, transmitting humanization, meaning that the public needs to feel welcomed to generate value. The experience must be positive from reception to the completion of a project. Care, respect, transparency, connection, and innovation are keywords in our practices."

Improve the quality of life of famiies with Butterfly skin.

SANASH WELFARE FOUNDATION is an organization; which is neutral, independent Charitable Organization ; its goal is to "ensure the ability of the Earth to nurture life in all its diversity" and focuses its campaigning on issues without any limits to political affiliations, race, gender, religion or ethnicity; such as deprived Humanity & their sufferings from basic needs, protection of eco-system, adverse environmental effects, poverty, adverse inflation, emergency crises etc. It uses direct action, capacity building, advocacy and research to achieve its goals. (1) No Hunger, (2) Zero Poverty, (3) Quality Education, (4) Gender Equality, (5) Reduce Inequalities, (6) Life on Land, (7) Climatic Actions, (8) Decent Work & Growth, (9) Clean Water & Sanitation, (10) Emergency Response and (11) Child Protection and Safeguarding.

A.M.I.E is an organisation that supports childeren across the world. The main goal is giving proper education and health services. The basis principle is that we only work with volunteers who have no financial benefit from the work they are doing, and that the help provided is efficient. Akwaaba Asuadei is one specific project of A.M.I.E. vzw. We support the Willy-Taylor Academy in Asuadei, Ghana. Our main goal is to provide qwalitative and affortable education for all kids in the Asuadei neighbourhood. The basis principle is that the local people are the owners of this project, we only support them. In the long run, we want to assist building out a selfsuficient school.

Leveraging technology to end social injustices

The preservation and promotion of good health by providing tailored functional fitness programs and peer-to-peer community support for individuals in any part of the world affected by ill-health, in particular, but not limited to those who have had cancer treatment, as a path to rebuilding physical and mental strength.

The SOS Mata Atlantica Foundation is a Brazilian non-profit civil society organization. Established in 1986, its mission is to inspire society to defend the country's most devastated biome. It works to promote public policies to conserve and restore the Atlantic Forest, addressing water, biodiversity, and climate issues in an integrated manner. The foundation monitors the status of forests and associated ecosystems, while also working to restore degraded areas. Additionally, it advocates for and creates public policies in support of the biome. This cause directly benefits over 70% of the Brazilian population, who live in the Atlantic Forest and depend on it for their quality of life.

To address aspiring unbanked entrepreneurs and contribute to no poverty globally, we introduced a groundbreaking new business model: the first-ever pay-it-forward community microloan, merging charity and microfinance. We secure donations from the Global North, which are then transformed into microloans in the Global South. As businesses thrive, loans are paid forward to new entrepreneurs in the same community, creating a sustainable ripple effect of new initiatives and independent local financial structures.