Secure Your Future with Life Insurance.

Life is uncertain. One day you are healthy and working, the next day you may be facing illness, unexpected loss, or retirement without a plan. In Kenya, many families face financial strain in such moments, but the good news is—life insurance investments can protect your loved ones, grow your wealth, and give you peace of mind.

Over the years, I have worked with dozens of clients who now enjoy financial security because they made the decision to invest in endowment policies, education policies, last expense, medical covers etc. Let me walk you through why these products.

Financial Security for Loved Ones.

The first role of life insurance is to ensure your family can cope financially in your absence. The payout from your policy helps cover daily needs, school fees, medical bills, and even outstanding debts.

For example, a Last Expense Cover relieves your family from the burden of expensive funeral arrangements. In Kenya, funerals can cost between KSh 200,000 – 1 million, depending on traditions. Instead of relying on harambees, your loved ones can focus on grieving with dignity.

Endowment Policies: Protection + Investment.

An endowment policy is one of the smartest ways to both protect your family and save for the future. It combines insurance with disciplined investments.

This policy is unique because it combines two key benefits:
Life cover in case of death during the policy term.
Savings/wealth creation, since the policy pays out a lump sum at maturity.

These policies help you plan for big milestones such as:

• Paying university fees for your children
• Buying or building a home
• Starting or expanding a business
• Securing retirement income

Endowment plans also include guaranteed returns and bonuses, making them a disciplined and rewarding way of saving.

Education Policies: Securing the Future of Children.

Every Kenyan parent dream of giving their child the best education. Unfortunately, fees continue to rise every year. With an education policy, you lock in consistent savings that guarantee your child’s school fees—whether you are present or not.

This ensures your child’s dreams are never interrupted, even in the face of unforeseen circumstances.

The other day I assisted a couple in Bungoma to start an education policy for their two daughters. They contribute KSh 10,000 per month. By the time the girls join high school and later university, the policy will provide payouts that match the school fees cycle. Whether the parents are alive or not, the children’s education is guaranteed.

Retirement Planning and Legacy Building.

Life insurance is also a tool for retirement security. Policies that mature when you retire provide a financial cushion so you can maintain your lifestyle and independence.

Additionally, life insurance creates a legacy, ensuring that wealth is transferred smoothly to the next generation.

This is what one of my clients had to say; “For me, this policy is not just insurance—it’s part of my succession plan. I know I’ll retire peacefully, and my children will not have to worry about supporting me”.

Tax Benefits – The Legal Advantage.

One of the biggest advantages of life insurance in Kenya is the tax incentives it carries.

• Insurance Relief (Income Tax Act, Cap 470, Section 30 & Third Schedule):
  If you are a resident, you can claim a 15% tax relief on premiums paid for life, education, or health policies, up to a maximum of Kes 60,000 per year.
• Tax-Free Benefits:
  Payouts from life insurance policies (such as maturity benefits, death benefits, or last expense claims) are not subject to income tax in Kenya. These benefits are considered compensation, not income. This means your family receives the full value of the policy without deductions.

This legal framework makes life insurance not just a protection plan, but also a smart tax-saving investment.

NB: Proceeds from life insurance policies—whether from maturity, death benefits, or last expense claims—are not taxed in Kenya. Your family gets 100% of the benefits.

Peace of Mind.

At the end of the day, the greatest return from life insurance is peace of mind. You can rest assured knowing that your loved ones are financially secure, your retirement is planned, and your legacy is protected.

Conclusion.

In Kenya today, life insurance is no longer a luxury—it’s a necessity. From endowment policies that combine savings and protection, to last expense covers that preserve dignity, these investments offer real solutions to real challenges.

And with tax relief on premiums and tax-free benefits on payouts, life insurance is one of the smartest financial decisions you can make.

The best time to start is now. Every year you wait is a missed opportunity to protect your family and grow your wealth.

Call me today at 0700701776 and let’s design a life insurance package tailored to your needs—whether it’s protecting your family, saving for education, or preparing for retirement etc.