KARACHI – Neem, Pakistan’s leading embedded finance platform, is deepening its footprint in the insurance sector with a new strategic partnership with TPL Life, a digital-first insurance leader serving over 1 million + customers across Pakistan. This collaboration follows Neem’s recently announced partnership with TPL Life and signals the company’s continued momentum in transforming insurance through embedded financial infrastructure.
The partnership with TPL Life advances Neem’s mission to digitise the full insurance value chain—from premium collection to claim disbursement—using its low-code, scalable, compliant payments and wallet infrastructure. “This partnership with TPL Life is a continuation of what we’ve set out to do—build the financial rails for insurance in Pakistan,” said Shehrez Bawany, Head of Partnerships at Neem. “Together, we’re delivering on our promise to help insurers modernise rapidly, and there’s more to come.”
A two-phase embedded finance solution for insurance
Through Neem’s embedded finance stack, TPL Life will roll out a two-phase digital finance solution to elevate its customer experience and operational agility.
Phase 1: Premium collections made seamless
Neem’s Payment Button is integrated into TPL’s digital platforms, enabling policyholders to pay premiums through cards, bank transfers, wallets, and 1Bill. TPL’s team will also gain access to real-time reporting and insights through the Neem Business Portal. “At TPL Life, we’re committed to efficient, frictionless digital customer experiences,” said Saad Nissar, CEO TPL Life. “Partnering with Neem allows us to offer fast, transparent, and modern payment journeys—embedded directly into how we engage with our customers.
Phase 2: Wallet-powered claims and engagement
Neem will enable white-labeled wallet infrastructure to support: Instant digital claims disbursements; Direct wallet-based purchases for the TPL customers; Customers to store and top up funds through multiple channels; Loyalty and rewards integration for deeper engagement. This next-generation solution improves the customer experience whilst allowing TPL Life to drive innovation throughout the entire lifecycle of the policyholder.
Delivering on the promise of enabling insurance in Pakistan
With this partnership, Neem strengthens its position as the go-to infrastructure partner for Pakistan’s insurance industry. Having partnered with two of the country’s top insurers—EFU Life and TPL Life — Neem is actively shaping a new digital standard in how insurance is delivered and experienced. This is just the beginning. Neem continues to expand its partnerships with insurance players nationwide, creating a robust, embedded ecosystem that improves access, transparency, and financial wellness across Pakistan.
