Protection support for daily earners.
Collect works with licensed insurers to design simple protection products, flexible premium micro-payments and transparent claims journeys for informal and variable-income communities.
Why current insurance misses informal earners
Annual risks cannot always be funded with one large annual payment. Informal earners may understand the need for insurance but struggle with premiums and processes designed around regular monthly salaries. Insurers also face high costs when collecting many small payments and servicing customers outside traditional channels.
Policies are difficult to understand
Insurance access is concentrated in formal channels
Small payments are costly to collect
Claims processes can weaken trust
Credit is exposed when income stops
Protection products
Income Protection
Pays a short-term benefit when a covered member's income is verifiably interrupted.
Credit Life Protection
Settles an eligible loan balance if the covered borrower dies or becomes permanently disabled.
Credit Repayment Protection
Covers scheduled repayments for a defined period after a verified, temporary loss of income.
Group Savings Protection
Covers a scheduled contribution for a defined period after a verified, temporary loss of income.