Answers to what members and agents ask most

Any Zimbabwean resident aged 18 to 65 can register as a principal member (65 to 80 under the Senior Citizen Plan). Registration happens through a local agent, so you never need to travel to a national office to join.

Your policy moves into a grace period rather than lapsing immediately. You can settle the missed contribution within the grace window and benefits continue uninterrupted. If the grace period passes unpaid, the policy lapses and can be reinstated under the plan's reinstatement rules.

Yes. Policy changes — upgrading to a higher service tier, adding the Family Plan after starting on Individual, or downgrading — are reviewed and approved centrally, and take effect from the next contribution cycle.

Premiums are set per plan by National Admin based on the service package, the number of lives covered, and the age band at joining. Your agent will confirm the current rate for your exact household before you sign up, since rates are reviewed periodically.

Every contribution funds three things at once: the national benefit pool that supports verified funeral services, the commission that supports your local agent and their district and provincial coordinators, and the operating costs of running a scheme this size responsibly. See our Economic Impact page for the full picture.

Your national ID, next of kin, and beneficiary details are stored in a secured member record, and documents you upload are held in a permission-gated archive that only staff with a legitimate need — such as processing your specific claim — can open.

Commission accrues automatically the moment a contribution is recorded, and is released on a regular commission cycle once approved — never withheld pending a claim being filed.

Agents are scoped to the area they're registered for. Coordinators oversee multiple wards or districts, which is the route to working across a wider area.