About FSP4ED
A funeral benefit scheme designed to leave money in the community it collects from
FSP4ED — Funeral Service Provision for Economic Development — delivers dignified funeral service benefits nationwide, and does it through a network of local agents, district coordinators, and provincial coordinators who earn their living from the scheme they run.
A funeral is one of the largest sudden costs a household will ever face
In much of Zimbabwe, a death in the family still means an emergency scramble to arrange services — often at the worst possible moment, and often at terms set by urgency rather than fairness. Burial societies and informal collections have covered this gap for generations, but they carry their own risk: no reserve fund, no independent audit, and no protection if the person coordinating the support can no longer be found.
FSP4ED formalises that same instinct — neighbours covering each other’s worst day — into a regulated scheme with published plans, a real claims process, and service benefits that are tracked from the first contribution to final delivery.
The second half of the mission: paid local work, not just delivered benefits
A national call centre could register members just as well as a local agent can. We don't build it that way on purpose — and the name says so.
Outcome one
A funeral benefit that delivers
Published plans, a real claims process, and service benefits tracked from the first contribution to final delivery — the same instinct as a burial society, but with a reserve fund, an audit trail and an independent auditor.
Outcome two
An income where it collects
Every contribution collected in a ward pays commission to the agent who registered that household, and a further share to the district and provincial coordinators who supervise them. Growth in membership is growth in local livelihoods.
Not a slogan attached after the fact
The “for Economic Development” in our name is the reason the scheme is structured around local agents rather than a call centre or a national sales team.
What we hold ourselves to
Four commitments that shape every decision we make
A valid claim is never optional
Benefits that are owed are delivered. The claims process exists to verify a death and confirm the right service package — never to find a reason to withhold what a paid-up member is due.
Trust is built locally, not broadcast nationally
We recruit agents from the communities they serve because a funeral scheme is trusted the same way a neighbour is — by showing up consistently, not by advertising.
Oversight at every level, not just the top
District and provincial verification sit between every claim and its service authorization, and a dedicated auditor role reviews the scheme independently of the teams running it.
Growth means more local income, not just more members
Success is measured by how many agents, district coordinators, and provincial coordinators are earning a sustainable living from the scheme — not by membership count alone.
Governance
No single desk approves a claim from start to finish
Every claim and every commission cycle passes through more than one role before benefits are authorized or commissions are released — separation of duties that exists specifically so no single person, however well-meaning, is the only check in the system.
| Role | What it's responsible for |
|---|---|
| National Admin | Sets plan terms and commission rates, approves commission cycles and policy changes, and holds final sign-off on claims before they reach Finance. |
| Finance | Settles approved funeral service benefits, processes commission to agents, and reconciles the benefit pool. |
| Claims officers | Assess reported deaths and confirm the benefits owed against a member's plan and service package. |
| Auditor | An independent read-only role over the full transaction record — commissions, service settlements, claims, and policy changes — reporting outside the operational chain. |
| Provincial & district coordinators | Verify claims and service requests from the ground up before they reach a national officer, and supervise the agents in their area. |
| Agents | Register members, collect contributions, and report deaths — the only role most members ever deal with directly. |
Where we operate
Registered agents in all ten provinces
Area coverage follows Zimbabwe's own province, district, and ward structure, so a member's local agent and coordinators are always drawn from the area they actually live in.