Index Insure

The underwriting platform our advice runs on

Index Insure is Dalili's own Earth-observation platform: real data pipelines, a live pricing engine and payout rails, built and run in Nairobi.

An elevated cartographic composition on a deep navy background: a West African region subdivided into cyan Unit Area of Insurance boundaries, one polygon highlighted in orange, with a thin index curve crossing a dashed trigger line along the bottom third.

What it does

Product design and the technology behind it, in plain terms

An insurer, reinsurer or MFI evaluating Index Insure needs to know four things: what data it runs on, how a price gets set, how a policyholder gets registered, and who can see what once it is live. Each one below is a real, running system, not a proposal.

  • Two decades of Earth-observation history

    NDVI, rainfall estimates, the SPEI drought index and soil moisture, held as continuous history from 2003 to 2025 rather than a one-off extract, and pulled through an automated pipeline that has already completed nine full runs against that record.

  • A live actuarial pricing workbench

    Trigger and exit thresholds, franchise versus deductible structuring, and extreme-percentile and reinsurance capital-cost loadings, run against that same historical record. The next section shows exactly how.

  • Policyholder registration with real exposure modelling

    Registration captures livestock-asset exposure in Tropical Livestock Units, not just a name and a phone number, so a payout calculation has something real to size itself against.

  • Role-based access with a full audit log

    Admin, Data, Insurer and Viewer roles, with every action logged, so an insurer's own compliance team can see exactly what happened inside the platform and who did it.

Methodology

How a price gets set

Every Index Insure product rests on the same three pieces of method: where a payout begins, how the first loss in a season is structured, and how a season like this one has actually behaved in the past. The diagram traces one modelled season through both thresholds.

  • Trigger and exit

    The trigger is the index level at which a payout process begins. The exit is the lower level at which the maximum payout applies. Between the two, the payout scales with how far the index has fallen.

  • Franchise versus deductible

    Two different ways to structure the first loss once the trigger is crossed. A franchise structure pays the full amount from the trigger; a deductible structure pays only the portion beyond it. Which one a product uses is a design decision made with the insurer, not a fixed default.

  • Historical severity, priced from 2003

    Payout severity is modelled against the same historical record the platform holds, with extreme-percentile and reinsurance capital-cost loadings layered on top, so a price reflects how often and how severely a season like this one has actually occurred, not a single year's forecast.

A modelled season's index trajectory, crossing the trigger and exit thresholdsThe index falls through the trigger level partway through the season, where a payout process begins, and continues falling through the lower exit level, where the maximum payout applies.TriggerExitStart of seasonEnd of season
An illustrative line-chart diagram of a vegetation and rainfall index across a growing season, crossing a dashed trigger threshold and a lower dashed exit threshold, each marked with a small orange circle, with a shaded band between the curve and the trigger line.

The same trigger and exit relationship, in the platform's own visual language.

Coverage today

Where the platform runs today

The registered Unit Areas of Insurance and the configured payout rails are both real, verified facts about the running system.

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Unit Areas of Insurance registered

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Nigerian states: Adamawa, Bauchi, Plateau, Sokoto

An illustrative cartographic diagram of a West African administrative region subdivided into eight to twelve distinct cyan and navy toned polygons representing Unit Areas of Insurance, one polygon highlighted in orange, with thin white boundary lines over a faint terrain suggestion.

Integrations

Built to pay out where people already are

Once a payout is calculated, Index Insure is built to disburse it through the mobile money rail a policyholder already uses, with an automated SMS confirming the payout directly to them.

  1. Index trigger

    The index for a given Unit Area of Insurance falls through the agreed trigger level.

  2. Calculation

    The pricing engine calculates the payout that trigger has produced, against the agreed franchise or deductible structure.

  3. Mobile disbursement

    The platform is built to disburse the payout through the policyholder's own mobile money rail, with an automated SMS confirming it directly to them.

Payout rails, by country
CountryMobile money rail
KenyaM-Pesa
NigeriaAirtel Money, OPay
An illustrative flow diagram of three connected rounded rectangles running from an index trigger through a calculation step to a mobile payout, joined by a thin cyan line, with a single orange node marking the payout endpoint.

See it, before you commit to it

A platform walkthrough is the fastest way to evaluate Index Insure against your own product requirements. If you already know the platform, sign in directly.

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