FamilyRisk Flex Cover is a usage-based, modular insurance stack designed for South African and African urban families whose life patterns don’t fit legacy products. Today, nuclear, blended, and multi-generational households struggle to match rigid life/health/education policies to irregular incomes and non‑standard dependents. This platform lets brokers and digital banks offer micro-bundled cover (life, disability, education, funeral) that automatically adjusts using signals like income volatility, dependents’ schooling status, and health events. - Dynamic underwriting using alternative data (payments, mobile, payroll) to right-size premiums monthly. - Flexible dependents and guardianship modeling for step, foster, and extended family members. - Embeddable APIs so neobanks, HR platforms, and co-op schemes can white-label family plans. - Regulatory-first templates aligned with South African and broader African insurance rules to cut broker compliance burden. This targets the under-insured middle and lower-middle income families currently cobbling together ad hoc products.