Frequently Asked Questions

We offer a comprehensive range of insurance products including life insurance (whole life, endowment, education, critical illness, last expense), medical insurance, motor insurance, travel insurance, retirement planning, and estate planning (trusts and wills).

You can get a quote by visiting our /quote page, selecting the type of insurance you need, and filling in the form. Our team will contact you within 24 hours with a personalised quote.

Yes. Many clients have multiple policies covering different needs, for example, a whole life policy for inheritance, a medical cover for healthcare, and a motor policy for their vehicle. Each policy serves a different purpose.

Contact us as soon as possible after the insured event occurs. We will guide you through the claims process, help you gather the required documents, and liaise with the insurer on your behalf.

An agent represents one insurance company. A broker represents you, the client, and works with multiple insurers to find the best cover for your needs. We operate as independent advisors, comparing options across insurers.

Whole life insurance provides permanent coverage for your entire life. It pays a lump sum to your beneficiaries upon your death, plus any accrued bonuses. Unlike term life, it does not expire.

Term life covers you for a fixed period (e.g., 10 or 20 years) and expires. Whole life covers you for your entire life, whenever death occurs, the benefit is paid as long as the policy is active.

An endowment policy combines life insurance with disciplined savings. It pays a guaranteed amount at maturity or on death, whichever comes first. You choose the term and payout schedule.

Critical illness cover pays a lump sum directly to you upon first diagnosis of a covered condition such as cancer, stroke, or heart attack. The money replaces lost income and covers recovery costs.

Last expense cover provides a cash payout within 48 hours of death to cover funeral and burial costs. It can cover the principal member, spouse, children, parents, and siblings.

Yes. Education policies cover your child's future school fees. Last expense policies can include children from 2 weeks old. Some whole life policies allow adding children as dependants.

SHA provides a statutory baseline. Private medical insurance adds hospital choice, private room access, direct specialist access, broader outpatient cover, and overseas referral benefits that SHA does not offer.

Yes. Most plans cover pre-existing conditions after a 12-month waiting period. Senior plans are built with higher acceptance thresholds and chronic condition management included.

Yes, as an optional add-on. Maternity benefit covers antenatal care, delivery (normal and caesarean), and postnatal care. A 10-12 month waiting period typically applies.

Yes. Senior and elderly cover plans are standalone, designed specifically for adults aged 64 and above. They do not require you to be on the same policy.

Inpatient covers hospital admissions, surgeries, and overnight stays. Outpatient covers GP visits, specialist consultations, lab tests, and prescribed medication without being admitted.

Yes. Every vehicle on Kenyan roads must carry at least Third-Party Only cover under Cap 405 of the Laws of Kenya. Driving without valid insurance is a criminal offence.

TPO covers only third-party liabilities. Comprehensive cover includes all TPO benefits plus accidental damage, theft, fire, windscreen, personal accident, and towing for your own vehicle.

Yes. PSV taxi and ride-hailing vehicles require specific PSV cover with Passenger Legal Liability. A private use policy will NOT cover commercial use, and claims will be declined.

Excess is the amount you contribute towards a claim before the insurer pays the rest. For own-damage claims, this can range from Kshs. 5,000 to 100,000+. An excess protector eliminates this cost.

A COMESA Yellow Card extends your third-party cover to East and Southern African countries. It is mandatory at every border crossing if you plan to drive outside Kenya.

Generally, pension funds become accessible upon retirement (typically from age 55), disability, emigration, or exit from employment. Early withdrawal may be subject to conditions and tax implications.

NSSF provides a baseline but is unlikely to sustain your current lifestyle in retirement. A private pension plan supplements NSSF and gives you control over your retirement income.

Yes. A will covers any assets not placed in the trust. It acts as a safety net. Together, they provide comprehensive coverage for your estate.

If the payout is directed to a trust or named beneficiary, it bypasses probate entirely. If it goes to your estate, it will go through probate.

Funds can be released within days of a valid request, provided the request aligns with the trust rules. There is no probate delay.

Yes. Medical treatment abroad can be extremely expensive. Travel insurance protects you from unexpected costs including medical emergencies, trip cancellations, and lost baggage.

Some insurers allow purchase after departure, but trip cancellation benefits will not apply retroactively. It is best to buy before you travel.

Coverage for COVID-19 varies by insurer and plan. Some policies cover medical treatment for COVID-19 while others may exclude it. Check the policy wording before purchasing.

Standard policies typically exclude extreme sports. If you plan to do adventure activities, check if the policy offers an add-on or look for a specialist adventure sports policy.