Personal Protection

Life Insurance

Protect the People Who Matter Most

A guaranteed payout for the people who depend on you, so school fees, the mortgage, and everyday bills carry on without you.

Get a quote Talk to an advisor

Cover options

Underwriters

24/7

Claims support

Quick overview

It pays a lump sum to the people you name if you pass away, so your family's plans can continue. Cover can run for a fixed term, for life, or through an employer group scheme.

Why it matters

Protect the People Who Matter Most

If your income stopped today, would your family manage? Life insurance replaces it with a lump-sum payout, so their plans don't have to change.

Replaces the income your family relies on

If your income stopped, the people who depend on you still have to pay school fees, rent or the mortgage, and everyday bills. Life insurance replaces that income with a lump sum.

Cover for a term or for life

Term cover is affordable protection for a set period. Whole life guarantees a payout whenever death occurs and can build value over time.

Who it's for

Who this cover is for

Parents and breadwinners
Anyone with a mortgage or loan
Business partners (key-person cover)
Young professionals starting a family

Cover options

Your cover options

Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.

Term Life

Affordable cover for a fixed period — pays out only if death occurs within the term.

Whole Life

Lifelong cover that guarantees a payout whenever death occurs, often building cash value over time.

Group Life

Cover arranged through an employer or association for members and their families.

Protection

What this cover protects against

What applies to your policy depends on the cover level you choose and any extensions added.

volunteer_activism

Death benefit

A lump sum to your beneficiaries on death.

account_balance

Debt protection

Clears outstanding loans and the mortgage.

school

Education fund

Keeps school and college fees covered.

cardiology

Critical illness

An early payout on a specified illness, where added.

accessible

Waiver of premium

Cover continues without premiums if you're permanently disabled.

Key benefits

What you get with the cover

Lump-sum payout

Your beneficiaries receive a payout, settled quickly when it's needed most.

Debt protection

Outstanding loans and mortgages don't become a burden your family has to carry.

Affordable premiums

Term cover can be surprisingly affordable, especially when taken out young and healthy.

Flexible beneficiaries

Choose and update who receives the payout at any time.

Add-ons

Optional extensions

Extra layers of protection you can add for an additional premium. Availability varies by insurer.

Critical Illness Rider

Pays out early if you're diagnosed with a specified critical illness.

Waiver of Premium

Keeps your cover active without further premiums if you become permanently disabled.

Exclusions

What's not covered

Suicide within the policy's exclusion period

Death from undisclosed pre-existing conditions

Death while committing a crime

Lapse from non-payment of premiums

This is a general list. Your policy wording sets out the full exclusions that apply.

Getting covered

What you'll need

To take out cover

National ID
KRA PIN
Medical questionnaire or exam (cover-dependent)
Beneficiary details

Your beneficiaries submit a death certificate and claim form; our team works with the underwriter to settle the payout as quickly as possible.

Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.

Glossary

Common terms explained

Sum Assured

The guaranteed amount paid out to your beneficiaries on death.

Premium

The regular payment you make to keep the policy active.

FAQ

Frequently asked questions.

The essentials on life insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.

See all FAQs

What's the difference between term and whole life?

Term life covers a fixed period and is cheaper; whole life covers you for life and can build cash value, at a higher premium.

Do I need a medical exam?

It depends on the sum assured and your age — smaller policies often need only a health questionnaire.

Can I change my beneficiary later?

Yes, you can update your named beneficiaries at any time by notifying your insurer in writing.

Flexible cover

Cover sized to your responsibilities

The right sum assured depends on your loans, your dependants, and how long they'll rely on you. Our advisors help you set it and choose term, whole life, or group cover.

More Personal Protection