Innovation with regard to product design and dissemination models is key for making insurance work for the poor. Looking at the landscape, one can see creative solutions that helped to redefine the industry. But who was driving this innovation? Insurers, who have the technical know-how, or brokers, who have the flexible networks? To debate this question, we invited Afua Boahemaa Donkor, Executive Director at Star Microinsurance Services, and Richard Leftley, Chief Executive Officer of MicroEnsure, an insurance broker serving the low- and middle-income market.