Economic impact
Where your contribution actually goes
A funeral benefit scheme could be run from one national call centre. FSP4ED isn't, on purpose — every contribution is split between the services it will eventually support and the local people who made the registration and ongoing service possible.
- Provinces covered
- 10
- Plans on offer
- 6
- Local income streams per contribution
- 3
- Claims intake
- 24/7
Ward-level agents report through district and provincial coordinators in every province.
From a single individual to a whole community, priced for what each household can sustain.
Agent, district, and provincial commission are paid on every contribution collected in a ward.
A death can be reported the moment it happens — the claim doesn't wait for a business day to open.
The split
One contribution, four destinations
This is deliberately not a single national pool with a head-office deduction. Commission is structured, rate-governed, and released at every level that actually does work on your behalf.
Your monthly contribution
Paid to your local agent, a group treasurer, or by payroll deduction.
The national benefit pool
The larger share funds the pool that supports verified funeral service benefits across the country.
Your agent's commission
A share is paid to the agent who registered and continues to serve your household.
District & provincial coordination
A further share supports the coordinators who verify claims and supervise agents in your area.
On the exact percentages
Commission rates are set and periodically reviewed by National Admin, and always sum to the full contribution alongside the benefit pool share — nothing is deducted outside that governed split. We publish the destinations rather than a fixed percentage, because the rates are reviewed rather than frozen.
Why it's built this way
Four ways this design turns into real income
Each of these is a consequence of paying people locally rather than centralising the work.
Local agents earn where they live
Every agent is recruited from the community they serve. Commission is paid on the contributions they collect, so income grows with trust built door to door rather than with a fixed salary detached from local results.
District and provincial coordinators build career paths
A share of every contribution also flows to district and provincial coordination — real oversight roles that give experienced agents somewhere to grow into, instead of a scheme that only ever has one job at the bottom.
The parlour network keeps spending local
Approved funeral parlours are typically community businesses. Directing approved funeral service benefits through the parlour network keeps funeral spending inside the same district the contribution was collected in.
Formal saving, formal record-keeping
For many members, a funeral policy is a first formal financial product — a national ID on file, a payment history, a beneficiary record. That's a foundation other financial services can build on later.
What one ward looks like once it's fully registered
A hypothetical scenario, not a real location's figures.
Picture a single ward where an agent has registered 150 households onto the Family Plan over two years. Every one of those households paying their monthly contribution generates, every month:
- 1A steady commission income for the agent, proportional to the households they actively serve
- 2A smaller pooled share for the district coordinator overseeing several wards
- 3A further pooled share for the provincial coordinator overseeing several districts
- 4A benefit pool contribution large enough to support that ward's expected service benefits
Nobody loses when a claim is approved
None of that income depends on a claim being filed — it is paid for the ongoing work of registering, collecting and keeping records current. Funeral service benefits are funded separately from the pooled share, precisely so a family is never left wondering whether approved services will cost their own agent money.
Local income
Want to be one of those agents?
See what it takes to register as an agent in your own ward and earn from the members you continue to serve.