The mass adoption of microlife insurance products among low-income earners in Ghana is based on the increased risks to livelihoods normally neglected by mainstream insurance. Microlife insurance is crucial for not only providing insurable coverage for the cost of targeted threats to low-income earners but also providing incentives for anyone who seeks protection against economic losses. In this study, a holistic analysis of the determinants and challenges of supplying microlife insurance in Ghana is carried out using factor analysis with principal component analysis. Primary data were sourced from 193 respondents related to the development of microlife insurance products. Out of 20 critical determinants extracted for the supply of microlife insurance products, four principal groups/components were established. They include affordable but profit-oriented products, active consideration of consumer-oriented conditions, strong internal position and controls, and favourable external factors. Further, 39 challenges associated with supplying microlife insurance products were identified and divided into five major groups: poor premium income, asymmetric information, weak internal systems, increased industry-related challenges and unfavourable external factors. The findings could serve as a checklist for microlife insurers to develop measures to sustain microlife insurance products while they mitigate obstacles to improve net profits from products. The results could also stimulate dialogue within the insurance industry as well as the research community on advancing microlife insurance to support the general populace. However, the article is limited in scope and so caution must be exercised in generalising the application of the findings.

加纳低收入人群大规模采用微型人寿保险产品的原因是，主流保险通常忽视了人们的生计风险。小额寿险不仅对于为低收入者提供有针对性的威胁的费用提供可保范围，而且对于寻求经济损失保护的任何人都具有激励作用，都是至关重要的。在这项研究中，使用因素分析和主成分分析对加纳提供小额人寿保险的决定因素和挑战进行了全面分析。主要数据来自与小额人寿保险产品开发相关的193位受访者。在为提供微型人寿保险产品而提取的20个关键决定因素中，确定了四个主要类别/组成部分。它们包括价格适中但以利润为导向的产品，积极考虑以消费者为导向的条件，强大的内部地位和控制力以及有利的外部因素。此外，确定了与提供小额人寿保险产品相关的39个挑战，并将其分为五个主要类别：保费收入差，信息不对称，内部系统薄弱，与行业相关的挑战增加以及不利的外部因素。这些发现可以作为微型人寿保险公司制定措施以维持微型人寿保险产品的清单，同时他们减轻了提高产品净利润的障碍。结果还可以刺激保险业和研究界之间就促进微生命保险以支持普通民众的对话。然而，