# Credit Life Insurance Flow

## Integrate Insurpass API

With Insurpass' API, you can easily embed the Credit Life Insurance into your application. To learn more on what the Credit Life Insurance is, click [here](https://app.gitbook.com/@insurpass/s/insurpass-api-documentation/build-with-insurpass/credit-life-insurance). For Credit Life Insurance API references, click [here](https://app.gitbook.com/@insurpass/s/insurpass-api-documentation/~/drafts/-MkDlMN0I4ghQiKsy9AW/insurpass-api-reference/micro-health-insurance).

## Borrower Subscribes

Customer subscribes for the Credit Life Insurance Plan on any lending app or Bank operation staff signs up customers on a microfinance bank software.

## Premium Collection

Payment for the Credit Life Insurance is calculated as part of the disbursed loan to the borrower and simultaneously remitted to Insurpass upon the disbursement of the loan to the borrower.

## Customer KYC Details

Through the API integration, customer's transaction details are passed to Insurpass via an API endpoint.

## Transaction Success Notification

Borrower receives SMS, email, policy certificate to confirm the purchase of the Credit Life Insurance plan.

## Claims

Claims will be paid should there be a default on a borrower's loan due to a borrower's death, critical illness or permanent disability after claims documents are duly verified. Claims is initiated by the offer of the MFB or Online lending application.


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