The last-mile distribution layer for agricultural insurance
Modela helps insurers, public programmes and trusted rural organisations enrol and retain Kenya's under-reached farmers and agribusinesses. Customers enrol by USSD or SMS and pay by M-Pesa. Cover is provided by licensed insurers — Modela does not underwrite or carry credit risk.
Built for Kenya's agricultural insurance programmes
USSD / SMS
Basic-phone enrolment and consent
Enrolment rails built
M-Pesa
Premium collection and reconciliation
Payment rails built
Cohort-level
Coverage-in-force and persistency tracking
Partner OS built
Built for the basic phone
No app store. No paperwork. Just an SMS or USSD session with a trusted local partner.
Enrol through your SACCO or agro-dealer
A trusted partner invites you. You confirm cover with a single SMS or USSD session — no smartphone needed.
Pay when cash is available
Premium is timed to harvest or livestock-sale windows. Pay via M-Pesa STK Push, collected by your partner.
Payout when data triggers
When satellite, weather or area-yield data confirms the trigger for your zone, the payout goes straight to your M-Pesa.
Seasonal protection layers
Stack crop, livestock, input-linked and credit-bridge cover across the year. Each layer pays when its trigger is met — no claim form required.
Crop Cover
Rainfall and area-yield cover for maize, beans, sorghum and other staples. Government premium subsidy handled automatically where it applies.
Livestock Cover
Pasture-index and mortality-linked cover for cattle, goats and sheep across Kenya's ASAL counties.
From pilot counties to national programme scale
Modela is designed to extend the reach of existing Kenyan agricultural insurance programmes, not to replace them. Projections below come from our business plan and will be updated with real pilot data.
50,000
Target farmers in first pilot counties (Years 1–2)
72%
Target persistency rate by Year 3
48 hrs
Target payout window after trigger confirmation
Farmer growth projection
Cumulative enrolled farmers, business-plan projection
Projected. Actuals will be reported after pilots launch.
Be first in line when cover opens in your county
Leave your phone number and county. We will call or SMS you as soon as Modela opens for enrolment.