From term life and whole life cover to education savings and retirement planning — our life insurance solutions grow with you and protect those who depend on you.
Life insurance in Kenya comes in several forms. The right plan depends on your income level, financial dependants, and long-term goals — from pure protection to savings-linked cover.
Pure protection for a defined period — pays a lump sum to your beneficiaries if you pass away within the policy term. Ideal for covering debts, mortgages, and dependant income.
Permanent cover that does not expire as long as premiums are paid. It builds a cash value over time and pays a guaranteed benefit regardless of when you pass.
Combines life protection with a disciplined savings element to fund your child's education or build a retirement nest egg through regular contributions.
Unsure which plan fits your goals? Our brokers can compare insurer terms, premium structures, surrender values, and payout conditions before you commit.
Our licensed brokers will compare life and savings plans across Kenya's top insurers and recommend options matched to your income, goals, and dependants.
Life insurance replaces your income for dependants if you die or become permanently disabled. It also helps settle debts, fund education, and preserve the financial stability of your household.
Term life covers you for a fixed number of years and pays out only if you die within that period. Whole life covers you permanently and builds a cash value — but premiums are typically higher.
Yes. KRA allows tax relief on qualifying life insurance premiums and pension contributions, which can reduce your PAYE liability. A broker can help you structure your policy to maximise this benefit.
Once all documentation is in order — including the death certificate, policy document, and beneficiary ID — most Kenyan life insurers process straightforward claims within 30 to 60 days.