The document discusses Allianz Climate Solutions' experiences with risk transfer, sharing, and financing. It provides examples of micro-insurance programs for farmers in Africa that provide insurance coupled with loans. It also discusses a public-private partnership called RIICE that develops remote sensing systems and insurance markets for smallholder rice farmers in Asia. A further example describes a weather and oil price insurance program in Uruguay that insures hydroelectric power production against drought and high oil prices risks. The document aims to illustrate lessons learned and showcase innovative insurance programs addressing climate change impacts.