The Micro Insurance 3×1 product primarily consists of a combination of 3 insurance products in the same insurance package: 1) life insurance; 2) final expenses insurance; 3) disability insurance. Any person who wants to be insured can access it, regardless of whether or not he or she is an ADOPEM client.

The success of the product is mostly due to its highly competitive price and its ample coverage, the obtained benefits from policy coverage being at least 225 times the annual investment. As will be explained in detail later, Micro Insurance 3×1 is a simple, efficient and very accessible product.