Collecting insurance premiums in Pakistan is not only a payments problem. It is also a compliance problem.

Adamjee Life is one of Pakistan's leading life assurance companies, operating across a customer base where every premium collected has to be tied to a verified identity. CNIC matching is a regulatory requirement, not an operational preference. That requirement applies across every payment channel, every customer interface, and every transaction in the book.

The operational reality is harder than it sounds. Running collections across bank accounts and mobile wallets, while embedding identity verification into each transaction, while maintaining records clean enough for regulatory scrutiny, requires requires infrastructure purpose-built for regulated financial services. The standard approach is to stitch it together: one provider for collections, another layer for verification, a third for reconciliation. Every seam in that stack is a point of failure.

Neem now powers premium collections for Adamjee. Bank accounts and JazzCash, both live. CNIC verification is built directly into the collection flow, not bolted on after the fact. When a customer pays, their identity is confirmed in the same instruction. Compliance is not a separate step. It is part of the infrastructure. Every transaction is visible in real time through a business dashboard that serves as the single source of truth for reporting, payment data, and reconciliation.

Neem will extend across all payment methods on every digital channel Adamjee's customers use, so every customer can pay their premium wherever they are.

Beyond that, the two companies are also exploring what a deeper infrastructure layer could look like: a ledger-powered environment where Adamjee Life’s customers can securely store funds, make premium payments, and purchase policies, and where Adamjee retains full control over how funds are allocated, held, and disbursed across the ecosystem, whether that is claim disbursements, agent commissions, or vendor payouts.

Insurance is one of the most compliance-intensive financial verticals in Pakistan. Building on infrastructure that treats verification and collection as a single operation, rather than two separate problems, is what makes it work at scale.

If your platform operates in a regulated environment and needs financial infrastructure built for scale, connect with us today: neem.io/partner-with-neem