Last Expense Cover
Last Expense Cover is a financial protection solution designed to cater for funeral and burial-related expenses in the event of death. It pays out a cash lump sum — typically within 48 hours — ensuring your loved ones have immediate financial support when they need it most.
In the Kenyan context, this is not a small issue. Funeral costs come suddenly, yet the need for cash is immediate. This cover removes that pressure and creates space for your family to focus on mourning, healing, and honouring your life — instead of scrambling to raise money at the worst possible time.
Why Last Expense Cover Stands Out
When someone passes on, the family often has to move very fast. WhatsApp groups are formed, harambees organized, loans taken. This cover removes all of that.
Fast Payout — Within 48 Hours
The benefit is designed to pay out a cash lump sum within about 48 hours upon notification of death, helping your family respond immediately to funeral needs without waiting.
Covers the Whole Family
One family policy can extend cover to the principal member, spouse, children, parents, parents-in-law, and biological siblings — reflecting the reality of the Kenyan family structure.
Lifetime Protection
Once enrolled, members are covered for life provided the policy is renewed annually with no breaks in cover. This gives long-term comfort and continuity.
More Than Funeral Cover
The policy also pays 100% of the sum assured on accidental permanent total disability for nuclear family members, and 50% on first diagnosis of a covered critical illness for the principal member.
Multiple Claims Per Year
Up to 5 funeral claims and 5 PTD claims per family per year, plus 1 critical illness claim. A significant differentiator for larger family structures.
Worldwide 24/7 Cover
The cover applies worldwide, 24 hours a day, 7 days a week — wherever life takes you or your family.
How It Works
Choose your benefit option
Select a cover amount between Kshs. 100,000 and Kshs. 1,000,000 with a corresponding annual premium.
Include your family members
Add the principal member, spouse, children, parents, parents-in-law, and/or siblings you want covered.
Pay the annual premium
Once enrolled and the annual premium is paid, your family is covered subject to applicable waiting periods.
Benefit is paid
In the event of death, accidental PTD, or critical illness, the insurer pays the corresponding lump sum benefit.
Benefit Options
Sum assured (Kshs.) by benefit option, and annual premium per family
| Member | Extent to Cover | Option 1 | Option 2 | Option 3 | Option 4 | Option 5 | Option 6 |
|---|---|---|---|---|---|---|---|
| Principal Member | Death, PTD & Critical Illness | 100,000 | 200,000 | 300,000 | 400,000 | 500,000 | 1,000,000 |
| Spouse | Death & PTD only | 100,000 | 200,000 | 300,000 | 400,000 | 500,000 | 1,000,000 |
| Parents & Parents in Law (Max 4 per member) | Death only | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Children (Max 4 per member) | Death & PTD only | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Additional Adults | Death Only | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Annual Premium per Family | 3,750 | 7,500 | 11,350 | 17,800 | 21,050 | 31,300 | |
| Premium per Additional Child (KES) | 500 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |
| Premium per Additional Adult (KES) | 1,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | |
Rates apply to new families. Existing families may be reviewed based on prior claims history. Max sum assured for children below 10 is Kshs. 100,000.
Who Can Be Covered?
Principal & Spouse
Entry age: 18 to 69 years
Cover continues for life subject to no breaks in cover.
Parents & Parents-in-Law
Entry age: 35 to 84 years
Cover continues for life subject to no breaks. Limited to 4 per policy.
Children
Entry age: 2 weeks to 21 years
Up to age 25 with proof of full-time student status. Limited to 4 per policy. Max Kshs. 100,000 for children below 10.
Additional Adults
Entry age: 1 to 64 years
Biological brothers and sisters only, up to 2 per principal member. Cover continues for life subject to no breaks.
Waiting Periods
Important to understand before enrolling
Illness-related death — principal member, spouse, and children
Illness-related death — parents, parents-in-law, and additional adults
Accidental death — once full premium is received
Critical illness claims — principal member
Accidental PTD — though a 6-month deferred period applies to confirm permanence
Who Is This For?
Important Exclusions
No benefits will be paid for:
Frequently Asked Questions
Real Talk
Your family should not have to start calling people for urgent contributions to bury you or one of your loved ones. They should not have to sell property, disturb school fees plans, or borrow money to get through a difficult week.
Last Expense Cover is not just about death. It is about responsibility, dignity, and practical love.
Last Expense Cover is offered subject to the insurer's underwriting requirements, waiting periods, exclusions, benefit limits, and policy terms and conditions. Please speak to Mama Bima Kenya for a personalised quotation and a full benefit illustration based on your family structure.
Give Your Family the Gift of Dignity
Get covered in minutes. Choose your benefit option, include your family, and ensure they are never left scrambling when it matters most.