<h1>Universal social security via auto-debit bank-linked schemes expands affordable life, accident and pension coverage to underserved populations.</h1> Three bank-account linked social security schemes expand affordable coverage to underserved and unorganised sector populations. Two insurance schemes provide renewable annual accidental death/disability and life covers administered via public or willing private insurers through banks, with enrolment by consent and auto-debit. The pension scheme establishes a guaranteed minimum defined benefit from age sixty for contributors entering within a prescribed age band; the Government funds any shortfall versus assumed returns and offers limited-term co-contribution for eligible early joiners.