APA Insurance in Kenya has developed an index-based product for livestock in cooperation with the International Livestock Research Institute, World Vision, and Leapfrog. The product uses a mobile platform to enroll customers and communicate policy details. In addition, farmers can make insurance payments and receive payouts via M-PESA. The service uses satellite imagery and proprietary algorithms to estimate the availability of grazing resources. If the index predicts livestock mortality of over 15%, farmers automatically receive a payout.