Sell policies via WhatsApp and USSD. Collect premiums through Mobile Money. Settle claims in hours, not weeks. Automate PIA compliance. Manage HR, payroll, and finance — all from one platform that replaces every system you're currently paying for.
Trusted by life assurance companies across Zambia. Go live in under 4 weeks.
Ontech LifeI ERP is a life insurance software platform developed by Ontech Solutions in Lusaka for insurance companies in Zambia. It is an insurance ERP: policy administration, underwriting, claims, premium collection, accounting, HR and regulatory reporting run in one system with one shared record of every client, policy and payment.
Policyholders pay through MTN Mobile Money, Airtel Money and Zamtel Kwacha, and are served through USSD, WhatsApp, SMS, a client portal and an Android app. Finance and compliance teams report to the Pensions and Insurance Authority (PIA) and under IFRS 17 from the same data.
Zambian policyholders expect to buy insurance from their phones, pay via Mobile Money, and file claims without visiting a branch. The companies that deliver this first will capture the market.
Whether you're the CEO, CFO, Chief Commercial Officer, or Customer Experience Lead — LifeI ERP delivers what you need most
One platform replacing 12 vendors. Real-time executive dashboard showing premium income, claims ratio, and growth metrics. Full visibility across every department from insurance operations to HR and finance.
IFRS-17 compliant from day one. Automated PIA regulatory returns, integrated general ledger, bank reconciliation, and expense management. No more spreadsheet accounting — auditors love us.
Launch new mobile insurance products in days. Built-in CRM with sales pipeline, agent management, and commission tracking. WhatsApp, SMS, and USSD channels to reach every Zambian — even without a smartphone.
Self-service client portal and mobile app. Policyholders check balances, pay premiums, and file claims without calling. Automated SMS updates keep them informed. NPS scores go up, call volumes go down.
Automated underwriting, claims triage, renewal processing, and workflow approvals. Your team handles 3x the volume with the same headcount. Built-in fraud detection catches suspicious claims before payout.
PIA returns generated automatically. Complete audit trail on every transaction. Role-based access control, data encryption, and regulatory reporting that writes itself. Pass every audit with confidence.
Real screenshots from the live platform with demonstration data — not mockups
Not just policy admin — we handle every department, every process, every compliance requirement
Full 360-degree view of every policyholder. Contact history, family details, documents, and every interaction in one place.
Issue, renew, endorse, and mature policies automatically. Track every policy from first premium to final payout with zero manual follow-up.
AI-assisted claims triage routes each claim to the right handler. Document uploads, multi-level approvals, and SMS updates to the claimant at every step.
Instant quotes, premium calculations, product catalog, and digital quote generation with client portal integration.
Risk assessment, approval workflows, document verification, and comprehensive underwriting tools.
Agent commission tracking, calculations, payment processing, and performance analytics.
Pure protection policies with flexible terms, level or decreasing cover, and convertibility options.
Lifetime coverage with guaranteed surrender values, paid-up values, and policy loan facilities.
Savings-cum-protection plans with guaranteed maturity benefits, bonuses, and surrender value tracking.
Market-linked investment policies with fund selection, NAV tracking, and portfolio switching.
Retirement income planning with immediate and deferred annuities, pension fund management, and payout tracking.
Periodic survival benefit payouts with automatic scheduling, reinvestment options, and maturity calculations.
Employer-sponsored group schemes with member management, schedule tracking, and bulk operations.
Education and protection plans for children with milestone-based payouts and premium waiver benefits.
Professional campaigns, templates, bulk sending, open tracking, and unified inbox for client communications.
Send policy reminders, claim updates, payment receipts. Template library and delivery tracking included.
Interactive mobile menus for policy checks, premium payments, balance inquiries. Works on all phones.
Built-in call centre with call recording, queue routing, and agent dashboards. Know exactly how your team is performing.
Manage Facebook, Twitter, Instagram, LinkedIn. Schedule posts, track engagement, respond to inquiries.
Send policy documents, renewal reminders, and claim updates directly on WhatsApp. 98% read rate vs 20% for email.
Policyholders manage everything from their phone or browser — policies, payments, claims, and their digital insurance card with QR verification.
View policies, pay premiums, file claims, download the digital life card — all without calling the office. Available 24/7.
Native Android app with biometric login, offline caching, wallet, and the digital life card with tap-to-flip animation.
Card-size PDF with client photo, QR code, policy details on front. Beneficiary, coverage, and PIA registration on back. Share via WhatsApp.
Pay premiums via MTN, Airtel, or Zamtel Money. Payment prompt sent to phone, customer enters PIN, done. Auto-reconciled.
Upload death certificates and supporting documents with camera. GPS-stamped. Real-time SMS updates at every stage of the claim.
Automated renewal reminders, premium receipts, claim updates, and policy maturity notices. 98% read rate via SMS and WhatsApp.
Accept premiums via Mobile Money (MTN, Airtel, Zamtel), bank transfer, card payments, or cash at any branch. One reconciliation view for all channels.
Automated premium collection, installment plans, payment reminders, and receipt generation.
Revenue tracking, premium income analysis, commission reports, and comprehensive financial statements.
Automated payment reconciliation, transaction matching, and accounting integration.
Premium trends, payment analysis, revenue forecasting, and profitability insights.
Automated refund processing, policy cancellations, pro-rata calculations, and refund tracking.
Automate any business process. When a claim is filed, the system emails the handler, texts the client, and escalates if not resolved in 48 hours — no manual intervention.
Automated policy renewals, premium reminders, expiry notifications, and recurring report generation.
Welcome emails, renewal reminders, claim updates, payment receipts - all automated with templates.
Premium due? SMS sent automatically. Claim approved? Client notified instantly. Renewal coming? Reminder goes out 30, 14, and 3 days before expiry.
Set your own rules: auto-approve claims under K5,000, require manager sign-off above K50,000, flag high-risk applications for medical review.
Daily, weekly, monthly reports automatically generated and emailed to stakeholders.
Comprehensive mortality and morbidity tables for accurate life assurance premium calculations and reserving.
Collect premiums and pay claims directly through MTN, Airtel, and Zamtel Money. No bank visit required for your customers.
Automated surrender value calculations for whole life, endowment, and unit-linked policies with guaranteed and non-guaranteed components.
Reach every policyholder through their preferred channel — SMS, USSD, WhatsApp, voice, or email. All from one unified inbox.
Send a payment prompt to any MTN, Airtel, or Zamtel number. Customer enters PIN, premium is collected. Reconciled automatically.
Insurance Act 2021 requirements built in. PIA returns, statutory fund calculations, solvency ratios, and ZRA filings — generated at the click of a button.
Self-service portal for hospitals, clinics, funeral homes, laboratories, and medical service providers.
Vendor registration, document management, performance tracking, and compliance monitoring.
Performance ratings, service quality tracking, response time monitoring, and vendor scorecards.
Vendor contracts, service agreements, renewal tracking, and compliance documentation.
Sales agent management, performance tracking, commission calculations, and agent portal.
Connect bancassurance partners, brokers, and aggregators directly into your system. White-label options available.
Real-time KPIs, revenue tracking, policy statistics, claims analytics, and business performance metrics.
Build custom reports with filters, grouping, charts. Export to PDF, Excel, CSV with scheduled delivery.
Premium income, claims ratio, expense tracking, profitability analysis, and financial forecasting.
Client segmentation, retention analysis, lifetime value, engagement metrics, and churn prediction.
Claims frequency analysis, loss ratios, risk assessment, underwriting performance, and fraud detection.
Access all dashboards and reports from mobile devices with responsive design and touch-friendly interface.
Reward loyal policyholders, protect them during tough times, and give your agents the tools to sell anywhere.
20% cashback every 5 years for claim-free policyholders. 4 loyalty tiers: Bronze, Silver, Gold, Platinum — each with bonus rewards.
Up to 25% premium discount for healthy living. Earn points for health checks, gym, non-smoking, vaccinations. 5 tiers from Blue to Diamond.
December premium break. 6-month retrenchment reprieve. 3-month maternity holiday. Cover stays active while premiums are paused.
Salary replacement calculator. 75% of income for up to 24 months if disabled. Occupation-risk adjusted premiums. Built-in escalation.
3-tier dual-authorization for every payout. Claims Officer creates, Finance approves, CFO signs off. Same person cannot create and approve. Full audit trail.
Public quote endpoint for comparison sites and aggregators. Instant premium calculation by age, gender, smoker status, product type. Plug into any partner website.
Dedicated mobile app and web portal for field agents. 7-step KYC capture with NRC camera scan, beneficiary details, medical declaration, and compliance consent.
Multi-factor authentication via email for every admin login. 6-digit code, 10-minute expiry, 5-attempt lockout. Role-based access across 14 user roles.
Stop paying for 12 different systems that don't talk to each other
Replace 12 vendors with one platform.
Go live in 4 weeks. Full data migration. Training for every department included.
Book a DemoYour data and your clients' information are protected with bank-level security measures. We take security seriously.
AES-256 encryption at rest and TLS 1.3 in transit for all sensitive data
Multi-factor authentication (2FA), JWT tokens, and secure session management
Role-based permissions with granular access control and audit logging
GDPR, PCI-DSS, and local life assurance regulations compliance built-in
Automated daily backups with point-in-time recovery and disaster recovery plans
24/7 security monitoring, intrusion detection, and automated threat response
Not a foreign system with a Zambian flag on it. Built from the ground up for how insurance works here.
Collect premiums from any mobile money account in Zambia. Payment prompt is sent to the customer's phone. They enter their PIN and it's done. Automatic reconciliation — no manual matching.
Dial *388# to check policy status, pay premiums, or file a claim. Works on every phone — no data, no smartphone required. Reach the 70% without internet.
Automated PIA regulatory returns, statutory fund calculations, solvency reporting, and ZRA tax filings. Your compliance team will thank you.
Automated renewal reminders, claim updates, and payment receipts via WhatsApp and SMS. 98% open rates vs 20% for email. Policyholders actually see your messages.
Direct answers about Ontech LifeI ERP for life insurers in Zambia
Ontech LifeI ERP is a life insurance ERP platform developed by Ontech Solutions in Lusaka for insurance companies in Zambia. It runs policy administration, underwriting, claims, premium collection, accounting, HR and regulatory reporting in one system, with Mobile Money, USSD, SMS and WhatsApp channels built in.
Licensed long-term (life) insurers in Zambia, including new entrants that need a complete operating platform and established insurers replacing spreadsheets or legacy policy systems. It is also used by brokers, direct sales agents and policyholders through dedicated portals and an Android app.
Term life, whole life, endowment, unit-linked, annuity and pension, money-back, group life, funeral cover and child education plans, each with the policy events that apply to it, such as surrender values, paid-up values, policy loans, bonuses and maturities.
Premiums can be collected through MTN Mobile Money, Airtel Money and Zamtel Kwacha, as well as bank and cash channels. Each payment is reconciled against the policy automatically and the policyholder receives an SMS or WhatsApp receipt.
Yes. The platform keeps the policy, premium, claim and ledger data needed for statutory returns to the Pensions and Insurance Authority (PIA) and includes IFRS 17 and actuarial reporting modules, so finance and compliance teams report from the same operational data.
Use the Book a Demo button or the contact page to reach Ontech Solutions in Lusaka. A demo walks through the modules that matter to your company, from quotations and underwriting to claims, Mobile Money collection and regulatory returns.
All questions and answers · Life insurance glossary · Guides for Zambia
The first Zambian life assurance company on LifeI ERP will have an unfair advantage — mobile products, instant payments, and zero paper. Will that be you?
Go live in 4 weeks. Dedicated onboarding team. Data migration included. Training for your entire staff.
