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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

1
100% of the sum assured + accrued bonuses paid upon death
2
Critical illness payout made upon first critical illness diagnosis
3
Double cover for accidental death or disability
4
Guaranteed lifelong protection
5
Bonus additions every year
6
Tax benefits on premiums paid

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:

Suicide or self-inflicted injury within 2 years
Criminal acts or unlawful activities
Substance abuse or overdose
Active participation in war, terrorism, or hazardous sports
Pre-existing conditions not disclosed before policy start

Ready to Secure Your Family's Future?

Get a personalized quote in minutes and discover how affordable lifelong protection can be