Moonlit gives South African insurance companies and brokers a ready-built network of verified, commission-based sales agents. You set the payout per policy sold. You only pay when a confirmed policy is issued. No salaries. No retainers. No wasted spend.
Insurance companies in South Africa spend millions building and managing broker networks, call centres, and tied-agent forces. Most of those agents are on fixed salaries or retainers — meaning you pay whether they sell or not. Attrition is high. Compliance headaches are constant. And rural, township, and informal market penetration remains low because your current channels don't reach those communities.
Moonlit gives you a different model: a managed network of verified, independent commission-based agents who promote your product within their own communities — door-to-door, WhatsApp, word-of-mouth. You only pay when a policy is confirmed.
The SA insurance gap is enormous. Millions of South Africans in townships and rural areas are completely underinsured — not because they don't want cover, but because they've never been reached by a trusted person in their community. Moonlit's Stars live in those communities.
Moonlit works best for insurance products that can be explained in plain language and have a clear, fixed premium. The most successful categories on the platform include:
Funeral Cover
Hospital Cash Plans
Life Insurance
Car & Asset Insurance
Home Contents Cover
Gap Cover & Medical Aid
Device Insurance
Credit Life Insurance
If your product has a clear monthly premium and a referral commission structure, it belongs on Moonlit. Contact us to discuss whether your specific product qualifies.
Apply as a Seller. Provide your product details, premium range, and commission rate. Our team reviews your listing for compliance and activates it within a few days.
Verified Stars in your target communities begin promoting your product. They explain coverage in local language, collect leads, and refer confirmed interest to your intake process.
When you confirm a policy is issued, the commission is released to the Star through the platform. You never deal with individual agent payouts.
| Factor | Moonlit Stars | Tied Agents | Call Centre |
|---|---|---|---|
| Monthly overhead | R30 — pay per policy | Salaries + benefits | Fixed monthly cost |
| Township / rural reach | Native community access | Limited or none | Phone-only, low trust |
| Pay only for results | Yes — confirmed policies only | No — salaried regardless | No — billed per seat/hour |
| Scales without hiring | Yes — unlimited Stars | Linear headcount growth | Must expand capacity |
| FSCA compliance risk | Moonlit manages agent conduct | Your HR and compliance | Your contractual risk |
Moonlit Stars act as introducers and lead generators — they explain your product and collect interest. The formal policy issuance, FICA checks, and regulatory steps remain with your licensed entity. Moonlit does not provide financial advice, and our Stars are trained to not provide regulated advice.
We recommend all insurance Sellers on Moonlit consult with their compliance officer before going live. We're happy to provide documentation on how our platform operates to assist with that review. Email info@moonlit.co.za.
List your insurance product on Moonlit. Pay only when a confirmed policy is issued.