Insurance infrastructure for rural finance
Plug Modela into your SACCO, agro-dealer network or digital platform. Enrol members, collect premiums, trigger payouts and support farmer resilience — without taking underwriting risk.
From member list to payout in one flow
Enrol members
Upload or enter your member list; each farmer confirms individually via SMS or USSD.
Collect premiums
Request M-Pesa payment via STK Push, track reconciliations and send reminders automatically.
Bind cover
Modela places risk with licensed Kenyan insurers and issues a policy record.
Trigger payout
When satellite, weather or area-yield data confirms the trigger, payout lands directly in the farmer's M-Pesa wallet.
Built for Kenya's distribution anchors
SACCOs
Add insurance to member services, improve retention and generate fee income without underwriting risk.
Cooperatives & Chamas
Enrol farmer groups at collection points, field days or via WhatsApp/USSD with a few clicks.
Agro-dealers & Platforms
Embed insurance at the point of input sale, livestock market or digital checkout through a lightweight API.
Embed in hours, not months
A REST API for quotes, enrolment, premium collection and status checks. Sandbox access available on request.
Request API docsPOST /api/sandbox/v1/enrol
Content-Type: application/json
Authorization: Bearer $SANDBOX_TOKEN
{
"farmer_msisdn": "+254712345678",
"county": "Kitui",
"product_code": "kaip-maize-2026",
"consent_sms": true
}What partners gain
Member retention
Insurance makes your SACCO or cooperative more valuable to members, increasing stickiness and deposits.
Services you can offer
Provide enrolment, premium collection and farmer support services through your existing channel — without taking underwriting risk onto your balance sheet.
De-risked lending
Insured members are better collateral. With consent, verified farm and insurance data strengthens loan eligibility.
What partners ask before signing
Do we take underwriting risk?
No. Modela places risk with licensed Kenyan underwriters. Your organisation earns distribution and servicing fees, not risk exposure.
What does the integration look like?
You can start with a web dashboard and CSV upload, then add our REST API or USSD flow when you are ready. Sandbox access is available on request.
How are fees calculated?
Fees are regulated, documented in your partner agreement and tied to actual enrolment, premium collection and servicing work — no hidden commissions.
How long until our members can enrol?
Once your agreement and data-processing terms are signed, a pilot county can go live in a few weeks. We run a sandbox test first.
What we will measure with the first partner cohort
We will publish operating evidence before we publish testimonials. The pilot scorecard is agreed with the partner in advance.
- 01Cost and time from eligible member record to coverage in force
- 02Premium reconciliation, consent completion and servicing exceptions
- 03Renewal conversion and persistency by partner and cohort
Checklist before you apply
- Registered organisation in Kenya
- Active member, customer or farmer base
- Operational counties you can reach
- A contact who can commit the partnership internally
Ready to bring cover to your members?
Tell us about your organisation and we will schedule a partnership discussion.
Apply to partner