Rewriting the Rules of Rural Risk

This is a core component of almost every credit product we supply. By adding a nominal fee to the loan, we provide immediate, basic life insurance coverage.

How it works: If the loan holder passes away, the entire remaining loan is instantly written off.

The Outcome: Families are never left inheriting debt alongside their grief. They retain their assets, and VisionFund drastically reduces portfolio risk. 

While Credit Life protects the loan, Term Life protects the family’s immediate cash flow. This is a fixed-term product (usually one year) decoupled from active loan repayments.

How it works: Clients pay a highly affordable, low-cost upfront fee—made possible because VisionFund negotiates rates by insuring our entire portfolio at once.

The Outcome: In the event of death, the family receives a lump-sum payout to cover funeral costs and emergency expenses, ensuring the household economy doesn't collapse. 

We took the core life insurance model and expanded it to cover the actual, day-to-day lifecycle disruptions our clients face—from severe illness to maternity.

How it works: If a client or family member is injured, falls ill, or requires a hospital stay (including post-birth maternity care), this product covers all principal-only loan installments for the duration of the disruption.

The Outcome: It acts as a total cushion against bad credit history. Families can focus on healing and recovery, knowing their loan is managed until they are ready to resume their business activities. 

Scaling Inclusive Innovation

Traditional risk models leave the vulnerable behind, so we rewrite the rules. By partnering with agile insurers, we adapt to local realities—such as recognizing community endorsements over formal government IDs so families don't miss out on coverage.

The Digital Frontier

We are building frictionless access through digital onboarding and mobile training. Our goal is to put financial control directly into the hands of our clients, empowering them to easily choose the right safety net for their future.