The last-mile distribution layer for agricultural insurance
Modela is developing last-mile enrolment and servicing tools for insurers, public programmes and trusted rural organisations. The planned journey uses basic phones and M-Pesa, subject to an authorised pilot with licensed insurers. Cover is not yet available through Modela.
Built for Kenya's agricultural insurance programmes
USSD / SMS
Basic-phone enrolment and consent
For a future authorised pilot
M-Pesa
Premium collection and reconciliation
Integration under preparation
Cohort-level
Coverage-in-force and persistency tracking
Workflow under preparation
Built for the basic phone
This is the planned journey for an authorised pilot. Enrolment is not open yet.
Enrol through your SACCO or agro-dealer
In a future pilot, a trusted partner would invite eligible farmers and confirm enrolment through an approved channel.
Pay when cash is available
Payment timing and M-Pesa collection would follow the insurer's approved product and pilot arrangements.
Payout when data triggers
Any claim trigger, verification and payout would follow the licensed insurer's policy terms and confirmed operating process.
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.