Catch claims fraud.
Onboard brokers in minutes.
Verify policyholders, screen brokers and agents under NAICOM regulations, and stop staged claims with biometric re-authentication at the point of payout.
Claims verified today
3,247
↑ 12.4% vs yesterday
Staged claims blocked
38
↑ 9 vs last week avg
Broker onboardings
194
↑ 6.1% this week
Re-auth pass rate
97.1%
↑ 0.8% this month
Built for insurance
Underwrite the real person.
Catch the staged claim.
Document verification, passive liveness, face match, and AML screening on the same API call. Reusable KYC lets returning policyholders skip re-onboarding at renewal — without losing the audit trail NAICOM requires.
₦0
per KYC for your first 500 verifications monthly
<2s
end-to-end biometric match at claim re-auth
800+
AML, PEP, and sanctions lists screened per session
18+
African markets with local document coverage
How it works
From policyholder to
verified claim in four steps.
STEP 01
Build your workflow
Toggle ID Verification, Passive Liveness, Face Match, AML Screening, and Proof of Address in the visual Workflow Builder. Separate flows for policyholders, brokers, and claim filers — no code.
STEP 02
Open a session
POST /v1/session/ with your workflow_id and the policy or claim number as vendor_data. Receive a session_url, redirect the user. Works across web, iOS, Android, React Native, and Flutter.
STEP 03
Verify and decide
Hosted UI captures the document, runs passive liveness, matches face against original onboarding photo, screens AML lists — in parallel. Biometric verdict in under 2 seconds, auto-routed by your risk policy.
STEP 04
Audit and remediate
Every session produces a tamper-evident audit record with biometric match score, document hash, timestamp, and device fingerprint. Fraud signals stream into Case Management for adjuster review before payout.
Every module for insurance
Policyholder KYC, broker screening,
and claim-side re-auth. One workflow.
01 · POLICYHOLDER ONBOARDING
Verify the person behind the policy.
NIN/BVN lookup, document scan, passive liveness, and face match on every onboarding session. Reusable KYC token means returning customers skip capture at renewal — biometric match confirms identity in under 2 seconds.
02 · BROKER & AGENT SCREENING
NAICOM-compliant intermediary onboarding.
Know Your Business with CAC registry verification on every broker entity. Linked KYC on all beneficial owners. AML screening and ongoing monitoring included — one workflow covers NAICOM's intermediary registration requirements.
03 · CLAIMS FRAUD PREVENTION
Biometric re-auth before every payout.
At claim submission, LumiID re-authenticates the claimant's face against their original onboarding biometric. Catches identity substitution, phantom claimants, and staged-claim rings before the adjuster even reviews the file.
04 · AML & SANCTIONS
Screen policyholders and claimants against 800+ lists.
AML Screening with NFIU watchlist, OFAC SDN, and 800+ global PEP, sanctions, and adverse-media lists. Daily delta refresh across 12 African languages. SAR filing workflow and case management built in.
Insurance verticals
Built for every line of business.
One platform. Configured workflows for every insurance product in the Nigerian and pan-African market.
Motor insurance onboarding & claim re-auth
Verify the driver at policy issuance, then re-authenticate biometrically when a claim is filed. Catch ghost policies and identity substitution before repair payments go out.
Beneficiary verification at payout
Confirm beneficiary identity and screen against AML lists before releasing life or health payouts. Reusable KYC means no friction for genuine claimants — only fraudsters face friction.
NAICOM intermediary registration
Onboard brokers, independent financial advisors, and bancassurance partners with full KYB and linked KYC on UBOs. Audit-ready records satisfy NAICOM's fit-and-proper requirements.
Rapid policyholder verification
Under-45-second onboarding for travel insurance at point of sale. BVN/NIN lookup plus document scan means no manual review queue, even for same-day policy issuance.
Smallholder farmer identity
Verify unbanked smallholder farmers using NIN and liveness even on low-bandwidth connections. Supports NIRSAL and government-backed crop insurance disbursements.
Embedded identity for digital products
Drop LumiID's hosted UI into any mobile-first insurance app in one API call. Workflow Builder lets product teams configure compliance flows without touching backend code.
Developer-first
Two endpoints. Same JSON.
Same price.
One call starts the verification. The webhook closes it. Identical payload whether you're onboarding a new policyholder or re-authenticating a claimant before payout.
# New policyholder — full KYC curl -X POST https://api.lumiid.africa/v1/session/ \ -H "x-api-key: $LUMI_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "workflow_id": "wf_insurance_kyc", "vendor_data": "policy_POL-00481", "callback": "https://yourapp.com/webhook" }' # Response { "session_id": "ses_8bc1f4a2", "session_url": "https://verify.lumiid.africa/?t=...", "status": "Not Started" }
# Webhook at claim submission { "event": "session.verified", "session_id": "ses_c3f2d9a1", "vendor_data": "claim_CLM-00218", "verdict": "APPROVED", "face_match": { "passed": true, "confidence": 97.2, "vs_session": "ses_8bc1f4a2" }, "liveness": { "passed": true, "score": 98.7 }, "fraud_signals": [] }
Built for African regulators
NAICOM, NDPR, and NFIU
compliant out of the box.
Every LumiID insurance deployment is pre-configured for the regulatory requirements of the Nigerian insurance market and 17 more African territories.
NAICOM KYC Guidelines
Pre-mapped to NAICOM's 2023 KYC/AML guidelines for insurers. Policyholder due diligence, enhanced due diligence for high-value policies, and broker fit-and-proper records — all built in.
NDPR Data Residency
Policyholder biometric data processed and stored in-country. Consent management, right-to-erasure, and data portability flows aligned to Nigeria Data Protection Regulation requirements.
NIMC BVN/NIN Integration
Direct API integration with NIMC for NIN biometric validation and CBN BVN service for bank-linked identity. Real-time match against the national database — no third-party proxy or data handling risk.
NFIU AML Reporting
Suspicious Activity Report workflow aligned to NFIU guidelines. Case Management and SAR filing built into the platform — no separate system for your compliance team to manage.
CAC KYB for Brokers
Know Your Business with live CAC registry lookups on broker entities. Linked KYC on all beneficial owners in a single API call — satisfies NAICOM's intermediary registration requirements without manual document collection.
Tamper-evident audit trail
Every session — onboarding, re-auth, and claim verification — produces a cryptographically signed record with biometric score, document hash, device fingerprint, and IP. Export to PDF for NAICOM examiners on demand.