Why Choose Whole Life Insurance?
Comprehensive protection that grows with you, securing your family's future.
Lifelong Coverage
Your protection continues for your entire life, not just for a term. This means your family is always covered, no matter when you pass away.
Wealth Creation Through Bonuses
Your sum assured earns annual bonuses that grow your protection value over time, helping you build a legacy that lasts for generations.
Critical Illness Protection
Get covered for 18 major illnesses. Upon first diagnosis (before age 65), you receive your critical illness benefit (up to Kshs. 15 million) to ease the financial strain.
Accident Protection
You can choose to add an Accident Benefit, which provides an additional payout if death or total and permanent disability occurs due to an accident, up to 100% of your main policy sum assured.
Flexible Premium Options
Choose how long you want to pay, for 10, 15, or 20 years, or until age 60 or 65. You'll enjoy lifelong cover even after you finish paying.
Joint Cover Option
Protect your spouse under the same plan at a discount. Benefits are paid on a first-death or first-diagnosis basis, ensuring both of you are covered.
No Medical Test (for smaller covers)
Get covered up to Kshs. 15 million without a medical exam.
Tax Relief Advantage
Enjoy 15% tax relief on premiums paid, up to Kshs. 60,000 annually.
Key Benefits
Who Can Apply?
Entry Age
18 to 60 years
Minimum Cover
Kshs. 1M
Maximum Cover
Kshs. 500M
Premium Payment
Flexible Options
Monthly, quarterly, semi-annual, annual
Important Exclusions
No benefits will be paid for:
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