Policy management
Individual, family and group policies with principal, spouse, children, parents, in-laws and extended family — up to 18 lives where your product allows.
Built for Zambia
Funeral Insurance & Funeral Society Management System
Together, when it matters most.
Policies, memberships, mobile-money premiums, claims and funeral logistics in one platform for insurers, microinsurers, brokers, funeral societies, burial societies, parlours, cooperatives and employers.
18+
Lives per family policy
5%
Premium levy ready
14 days
Free trial
Platform capabilities
The operating system behind funeral cover
Digitise what families, societies and providers already do — extended-family cover, Airtel/MTN/Zamtel payments, claim documents, and parlour coordination.
Premium collection
Schedules, arrears, grace periods, automatic lapse and reinstatement. Ready for cash, bank, standing orders, employer deductions and mobile money.
Claims that move
Death reported → documents → verification → assessment → approval → payment or funeral service → closed. NRC, burial order, police report and more.
Funeral logistics
After approval, create a funeral service order: coffin, hearse, body collection, mortuary, tent, chairs, transport and grocery allowance.
Burial societies
Member contributions, dependants, arrears and claims for churches, clubs, cooperatives and community societies — a larger market than insurers alone.
Accounting-ready
Premium income, claims expense, mobile money, unearned premium and levy-aware postings so every kwacha is auditable.
Compliance first
Technology for licensed operators — not selling insurance ourselves
Zambia's insurance sector is regulated by the Pensions and Insurance Authority. PAMODZI is the platform insurers, brokers, funeral operators and burial societies use to run cover compliantly, including optional 5% premium levy handling.
Onboard your organisationPIA-ready
Product rules aligned with regulatory expectations
Levy handling
Optional 5% premium levy tracking built in
Audit trails
Every transaction linked to policies and claims
Your brand
Self-onboard under your organisation name
Ready to modernise your funeral cover operations?
Set up your workspace in minutes. No credit card required — explore policies, members, premiums and claims during your 14-day trial.