TS.D.9.2 Under an inequality scenario , the number of people living in extreme poverty could increase by more than 100 million . There is medium evidence and low agreement about the adaptation impacts of derivative- based insurance products. Insurance solutions are difficult for low- income groups to access . Formal insurance policies come with risks when implemented in a stand-alone manner, including risks of maladaptation . 
IPCC
Climate Change 2022: Impacts, Adaptation and Vulnerability
IPCC Report