Gender inequality remains a significant issue in Nigerian communities, affecting access to insurance among women. The study employed ethnographic methods including participant observation, semi-structured interviews, and focus group discussions with community members, insurance providers, and programme implementers to gain insights into the dynamics of gender inequality and its impact on insurance access. Findings indicate that while some programmes have successfully increased women's awareness about insurance products, significant barriers such as cultural norms and economic constraints persist, particularly in rural areas where female participation is lower. Gender equality initiatives need to be more culturally sensitive and address structural barriers to improve insurance access for women in Nigerian communities. Programmes should incorporate gender-sensitive training sessions, engage local leaders, and provide financial literacy workshops to enhance women's confidence and knowledge about insurance products.