Pick the product, name who it's for, invite the family to split the premium, and pay reliably through Ozow. One app that turns scattered good intentions into cover that doesn't lapse.
Family cover is near-universal — and so is the quiet problem behind it: the premium falls on a single person, and when their month is tight, the policy lapses exactly when the family can least afford it. The willingness to help is there across the family; the mechanism to share the cost reliably is not.
Kini is that mechanism. A family chooses an insurance product, names the beneficiary, and splits the premium across everyone who wants to chip in — each paying their share through Ozow, with contributions tracked so the cover stays current.
Select the insurance product and start a plan around it — built to hold more products as the catalogue grows.
Create the beneficiary profile and capture the application — ID number, the digital form, and an e-signed acceptance.
The premium becomes the monthly target the family works toward to keep cover live.
Shareable invite links — which expire — bring members in to join the circle, with roles controlling who sees what.
Divide the cost fairly across members, with a volunteering split so effort counts alongside money.
Members pay their share via the Ozow portal — instant EFT, confirmed back to the ledger automatically.Ozow
The shared ledger shows who's covered and what's outstanding, flags arrears, and reminds members before a payment is missed.