15 Year Money Back Life Insurance Kenya | Guaranteed Payouts Every three Years | FamilyFutureKenya

Why Choose 15 Years Money Back Life Insurance Kenya?

The 15 Years Money Back Plan is Kenya’s #1 money back life insurance—receive 15% payouts every 3 years, plus a guaranteed 100 % lump sum at year 15. Ideal for disciplined family savings, education fees, and business milestones.

Key Features of Our Money Back Plan

  • ✅ Guaranteed 15% payouts every 3 years—perfect for funding school fees or business goals.
  • ✅ Lump sum maturity benefit of 100 % plus accrued bonuses at year 15.
  • ✅ Life cover throughout—family protection at every stage.
  • ✅ Flexible premium options—monthly, quarterly, semi‐annual, or annual to suit any budget.
  • ✅ Optional accident & waiver of premium riders—extra security, no extra hassle.
  • ✅ Policy loan facility—borrow against your plan’s cash value when you need it.

Who Should Choose This Plan?

  • ✔️ Parents saving for school fees or university tuition—ideal for education insurance Kenya.
  • ✔️ Entrepreneurs with 10 year money back plan Kenya goals—business milestones, expansion funding.
  • ✔️ Anyone wanting disciplined savings, liquidity, and protection in one money back life insurance policy.
15 Years Money Back

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Frequently Asked Questions

With our 15 Year Money Back Life Insurance Kenya, you receive 15 % of your sum assured every three years (at years 3, 6, 9, and 12). At maturity (year 15), you get 100 % plus any accumulated bonuses—delivering disciplined savings that help cover family expenses or education fees.The plan also gives you cover on full sum assured throughout the plan period.

We offer a grace period of 30 days for each premium due date. If you miss a payment, you can reinstate your policy within that grace period without extra underwriting. Alternatively, you may adjust your premium frequency—from annual to quarterly or monthly—to suit your budget and maintain continuous cover.

Most applicants qualify for our Money Back Life Insurance Kenya without a medical exam. We assess your age and sum assured; for standard coverage up to KES 500,000, no exam is needed. If you request a higher sum assured, a basic health questionnaire or exam may be required.

Yes. After three years of continuous premiums, you can access our policy loan facility Kenya. Borrow up to 60 % of your accrued cash value at a competitive rate. Use the loan for emergencies, business needs, or family expenses—while your 15 Year Money Back Plan remains in force.

If the policyholder passes away at any point, the beneficiary receives 100 % of the sum assured plus any bonuses accrued up to that date. Even if death occurs before the first 5-year payout, the full death benefit is paid—ensuring the family’s financial security and replacing lost income.

Yes. Under current Kenyan law, both maturity proceeds and death benefits from our 15 Year Money Back Plan Kenya are exempt from income tax. This makes it an efficient way to build savings for school fees or other goals while enjoying tax advantages.

Yes, you can surrender your policy at any time. However, surrendering before year 15 means you will receive the accumulated cash value minus any surrender charges, which may reduce your final payout. We recommend discussing alternatives—like adjusting premiums or borrowing against your policy—before surrendering.

Any Kenyan resident aged 18–45 years (or as per policy terms) can apply for themselves or on behalf of a dependent. This 15 Year Money Back Life Insurance Kenya plan is ideal for parents, professionals, and business owners who want both protection and disciplined savings.

Applying is simple. Visit our website’s quote form, chat with us on WhatsApp at +254 734 230 445, or contact a FamilyFutureKenya advisor. We’ll guide you through the process, help you choose the right coverage, and complete your application in minutes.

Yes. Once you’re onboarded, access the FamilyFutureKenya customer portal to view premium status, payout schedules, policy loan balance, and contact support. It’s the easiest way to keep tabs on your Money Back Life Insurance Kenya benefits anytime, anywhere.

Ready to Secure Your Future with 15 Year Money Back Life Insurance Kenya?

Let our advisors help you build a plan that’s smart, simple, and secure. It’s quick, and it’s free.

  • ✅ 15% payouts every 3 years
  • ✅ Full cover for family and business goals
  • ✅ No medical exam for most applicants
  • ✅ Apply online, fast response
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