Last Expense Cover
Last Expense Cover is a financial protection solution designed to cater for funeral and burial-related expenses in the event of death. It pays out a cash lump sum, typically within 48 hours, ensuring your loved ones have immediate financial support when they need it most.
In the Kenyan context, this is not a small issue. Funeral costs come suddenly, yet the need for cash is immediate. This cover removes that pressure and creates space for your family to focus on mourning, healing, and honouring your life, instead of scrambling to raise money at the worst possible time.
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Why Last Expense Cover Stands Out
When someone passes on, the family often has to move very fast. WhatsApp groups are formed, harambees organized, loans taken. This cover removes all of that.
Fast Payout - Within 48 Hours
The benefit is designed to pay out a cash lump sum within about 48 hours upon notification of death, helping your family respond immediately to funeral needs without waiting.
Covers the Whole Family
One family policy can extend cover to the principal member, spouse, children, parents, parents-in-law, and biological siblings, reflecting the reality of the Kenyan family structure.
Lifetime Protection
Once enrolled, members are covered for life provided the policy is renewed annually with no breaks in cover. This gives long-term comfort and continuity.
More Than Funeral Cover
The policy also pays 100% of the sum assured on accidental permanent total disability for nuclear family members, and 50% on first diagnosis of a covered critical illness for the principal member.
Multiple Claims Per Year
Up to 5 funeral claims and 5 PTD claims per family per year, plus 1 critical illness claim. A significant differentiator for larger family structures.
Worldwide 24/7 Cover
The cover applies worldwide, 24 hours a day, 7 days a week, wherever life takes you or your family.
How It Works
Choose your benefit option
Select a cover amount between Kshs. 100,000 and Kshs. 1,000,000 with a corresponding annual premium.
Include your family members
Add the principal member, spouse, children, parents, parents-in-law, and/or siblings you want covered.
Pay the annual premium
Once enrolled and the annual premium is paid, your family is covered subject to applicable waiting periods.
Benefit is paid
In the event of death, accidental PTD, or critical illness, the insurer pays the corresponding lump sum benefit.
Benefit Options
Sum assured (Kshs.) by benefit option, and annual premium per family
| Member | Extent of Cover | Opt 1 | Opt 2 | Opt 3 | Opt 4 | Opt 5 | Opt 6 |
|---|---|---|---|---|---|---|---|
| Principal Member | Death, PTD & Critical Illness | 100,000 | 200,000 | 300,000 | 400,000 | 500,000 | 1,000,000 |
| Spouse | Death & PTD only | 100,000 | 200,000 | 300,000 | 400,000 | 500,000 | 1,000,000 |
| Parents & Parents in Law (Max 4) | Death only | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Children (Max 4) | Death & PTD only | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Additional Adults | Death Only | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Annual Premium per Family | 3,750 | 7,500 | 11,350 | 17,800 | 21,050 | 31,300 | |
| Premium per Additional Child (KES) | 500 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |
| Premium per Additional Adult (KES) | 1,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 |
Rates apply to new families. Existing families may be reviewed based on prior claims history. Max sum assured for children below 10 is Kshs. 100,000.
Who Can Be Covered?
Principal & Spouse
Entry Age
18 to 69 years
Cover continues for life subject to no breaks in cover.
Parents & Parents-in-Law
Entry Age
35 to 84 years
Cover continues for life subject to no breaks. Limited to 4 per policy.
Children
Entry Age
2 weeks to 21 years
Up to age 25 with proof of full-time student status. Limited to 4 per policy. Max Kshs. 100,000 for children below 10.
Additional Adults
Entry Age
1 to 64 years
Biological brothers and sisters only, up to 2 per principal member. Cover continues for life subject to no breaks.
Waiting Periods
Important to understand before enrolling
Who Is This For?
Breadwinners
Who do not want their families financially exposed and scrambling for funds in their absence.
Parents
Who want to protect their spouse and children from sudden funeral and burial costs.
Those Supporting Elderly Parents
Who know that funeral costs for extended family can still fall on them, even when they are grieving.
Families Who Value Order
Who want one umbrella structure instead of leaving matters to fundraising, harambees, and chance.
Individuals Who Value Dignity
Who want to ensure their send-off, and those of their loved ones, is handled with order and respect.
Important Exclusions
No benefits will be paid for:
- Suicide or self-inflicted injury within the first year from commencement or reinstatement
- Breach of criminal law
- Driving while above the legal alcohol limit
- Intake of illegal drugs or alcohol
- Active and wilful participation in war, riot, rebellion, terrorism, or civil commotion
- Radioactivity or nuclear explosion
- Pre-existing conditions (for critical illness and PTD benefits)
- Disability caused by dangerous sports and pursuits
- Refusal to undergo surgery or treatment where disability could reasonably be improved
Frequently Asked Questions
Can one family take this cover even though it is called a group last expense plan?
Yes. The family is treated as a group under one policy. Each family member is covered according to the benefit option selected and the policy terms.
How fast is the payout?
The benefit is designed to pay out within approximately 48 hours upon notification of death, provided all required documents are submitted.
Does it only pay when someone dies?
No. It also pays 100% of the sum assured on accidental permanent total disability for nuclear family members and 50% on first diagnosis of a covered critical illness for the principal member.
Can I cover my parents and parents-in-law?
Yes. Parents and parents-in-law can be included up to a maximum of 4 per policy. Entry age is 35 to 84 years.
Is the premium monthly or annual?
The premium is paid annually. Rates are based on the benefit option you choose and the number of family members covered.
If the principal member dies, does the family cover end immediately?
Cover for the other family members continues subject to the policy terms. Please consult with us for the specific provisions.
Can the cover apply outside Kenya?
Yes. The cover applies worldwide, 24 hours a day, 7 days a week.
What happens if I want to add a new family member mid-policy?
Additional family members can be added mid-policy. Premiums will be adjusted accordingly, and waiting periods may apply.
Real Talk
Your family should not have to start calling people for urgent contributions to bury you or one of your loved ones. They should not have to sell property, disturb school fees plans, or borrow money to get through a difficult week.
Last Expense Cover is not just about death. It is about responsibility, dignity, and practical love.
Last Expense Cover is offered subject to the insurer's underwriting requirements, waiting periods, exclusions, benefit limits, and policy terms and conditions. Please speak to us for a personalised quotation and a full benefit illustration based on your family structure.
Give Your Family the Gift of Dignity
Get covered in minutes. Choose your benefit option, include your family, and ensure they are never left scrambling when it matters most.
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