• Affordable premiums starting at Ksh.500/-
• An automatic 5% premium update to fight inflation
• No medical examination
• Optional cash bonus (savings plan)
• Option of choosing an alternative premium payer after age 50 but before age 65, so the policy can continue without the up-front costs of starting a new policy of insurance
• 8 days for you to review the policy once it commences, to ensure you are satisfied with your purchase
• 10% of all premiums paid for this policy will be paid back every 5 years.

The FFP is a risk product with ancillary benefits that are primarily designed to provide burial cover for Kenyans. The product also offers an avenue for savings through optional cash bonus ancillary benefit.

FFP policy does not have a term. As long as the policy is in force benefits relating to any dependant covered under the policy are payable. The policy will however cease when the life assured attains the age of 66 years and policy transfer has not been done. The beauty of the product is that the policy can be transferred after the life assured has attained age 50 but before age 65.

FFP can only acquire a value if the policyholder is paying for the cash bonus benefit. The cash bonus premium net of relevant expenses purchases units in a well managed unit linked fund and the value of the policy will be the value of the units under your policy at any given time.

Yes. An endorsement can be done to that effect. Premiums for the new dependant(s) will be calculated based on age and cover will be subject to the six or twelve months waiting period based on the class of dependant added. The waiting period for the Life Assured and Spouse is 6 months, while that of all other dependants is twelve months.

This refers to the period of six or twelve months following commencement/reinstatement of your policy. During this period only claims arising out of death from accidental causes are payable. After the six or twelve months all claims are payable subject to the policy terms and conditions.

For a pure risk FFP policy nothing is payable. However, for a policy with a cash bonus benefit, the cash value of the policy is payable subject to penalties of 25% and 12.5% if the policy is withdrawn within the 2nd and 3rd year respectively. After three consecutive years, the full cash value in the cash bonus account is payable. No benefit shall accrue if the policy is withdrawn in the 1st year.

All you need to do is notify us through the nearest agency office. Our claim form will be issued to you for completion. You will be required to submit a certified copy of the burial permit, proof of age for the deceased (i.e. copy of national identity card, clinical or baptismal card) and the policy document. Upon receipt, claim will be assessed and paid within 48 hours.

This is a unit linked policy which offers you a life cover, double accident death benefits and helps you build future savings all under one cover. The cover is intended to provide financial protection to your family and has the following benefits:

• The premiums are affordable starting at Ksh.700/-
• It has an automatic 5% premium update to fight inflation
• There is an optional 10% premium update should you require this
• No medical examinations required
• No HIV/AIDS exclusion after initial waiting period
• Gives an option of either savings or life cover and savings combined
• An automatic waiver of premium benefit on death or on permanent total disability until the end of the policy term
• Additional personal accidental death cover from Kshs.200, 000/- to 650,000/-
• 28 days for you to review the policy once it commences, to ensure you are satisfied with your purchase

This is a unit linked life assurance policy with various ancillary benefits. Apart from building Savings for the future, the Policy also offers you an optional Life Cover and a compulsory Accidental Death and Personal Accident benefit.

No. Currently the minimum term of our policies is five years. What happens is that in case you surrender the policy after three years you will get the current policy value less applicable penalties based on the period in force. Maintaining the policy up to maturity will however earn you more returns, as your contributions will be invested for a longer time period.

Yes. At maturity you can use the benefits paid for education. You can equally take advances to meet your education needs during the term of the policy.

Yes. An endorsement can be done to that effect.

Yes. The alternative methods of premium payments include Bankers Order and Direct Debit Instructions. Premiums can also be paid via cheque or M-Pesa quarterly, half-yearly or yearly.

Upon receipt of the first premium.

This refers to the period of six months following commencement/reinstatement of your policy. During this period only claims arising out of death from accidental causes are payable. After the six months all claims are payable subject to the policy terms and conditions.

Every policy is a contract by itself. Thus different types of policies offer different benefits and are guided by different policy terms and conditions. Hence premiums meant for one policy cannot be transferred to another policy.

Shares are a right of ownership in a company. By holding shares, you own part of the company to the extent of your shares. Units on the other hand are part of ownership in a fund. Premiums received less the relevant expenses are remitted to our investment managers on a monthly basis where they purchase units at the ruling unit price. With time the unit linked fund earns returns, which are distributed to the participating units. As a result the unit price grows and that is how the value of your unit linked policy increases. Units can thus be seen as ownership in a unit-linked fund. A unit-linked policy however has other benefits that go with it and units can be withdrawn subject to the terms and conditions of the policy.