It is going to be more and more imperative that countries around the world and people everywhere (nobody is excluded from this) will need to learn to cope with the impacts of climate change. What is really needed is money to help strengthen the capacity and the ability of poorer people with lower livelihoods through education and intermediate levels of technology to strengthen their livelihoods and their economy. “We should be able to help strengthen the capacity and the ability of poorer people with lower livelihoods” Prof. Ian Burton says. Micro insurance would help people in the period of risk and it could be provided in a manner which would encourage people to take adaptive actions. “It is an idea both of spreading risks and of helping to promote the idea of adaptation” Prof. Burton explains.