Why Choose the Term Assurance Plan Kenya – Pure Protection, Maximum Value?
The Term Assurance Plan Kenya delivers cost-effective term life insurance with a guaranteed lump-sum payout if the unexpected happens within your chosen term. No savings component means your premiums buy only pure risk cover—so you pay less, yet secure up to KES 1,000,000† in protection. Enjoy flexible term lengths, fast digital claims, and optional riders for total peace of mind.
Plan Details & Eligibility
- Sum Assured: From KES 1,000,000 minimum up to your desired amount.
- Term Options: 5, 10, 15, 20 or 30 years (age at entry 18–50; maximum maturity age 55). Ages 46–50 limited to 5-year term only.
- Entry Requirements: Simple health declaration for most; only submit proof of age & cover medical exam fees as required.
- No Cash Values: Pure protection—no surrender, loan, or paid-up values applies.
- Lapse & Revival: 30-day grace period. Lapsed policies may be revived within 2 years on standard terms.
- First-Class Lives: Premiums based on first-class assessments—rates apply equally to men and women.
Key Features & Benefits – Term Assurance Plan Kenya
- High Cover, Low Cost: Premiums designed for those who need pure risk cover without the higher cost of savings-plus plans.
- Flexible Terms: Choose the term that matches your goals—short-term cover for mortgage protection or longer cover for family security.
- Fast Digital Claims: Submit online or via WhatsApp—claim payouts processed quickly so your family isn’t left waiting.
- Revival Privilege: Missed a payment? You have up to two years to reinstate your policy on original terms.
- Expert Support: Our licensed advisors guide you through each step, from proposal to payout, ensuring total transparency.
Frequently Asked Questions – Term Assurance
Term Assurance is pure life cover for a fixed period (term). If you pass away during the term, your family gets the payout. If you outlive the term, no payout—but you had full protection the whole time.
Anyone who wants affordable, high-value life cover—especially parents, professionals, and young families starting out.
Yes! Choose your term (5, 10, 15, 20 years or more) and cover amount based on your family’s needs and budget.
If you outlive your policy, the plan ends and there’s no payout. For savings/investment plans, see our other products.
All applicants must complete a medical examination, with the scope of tests tailored to your chosen sum assured and health history.
No—this Term Assurance Plan Kenya is a pure risk‐only policy and does not include any optional riders. It provides straightforward life cover without add-ons like critical illness, accidental death, or waiver of premium.
Your family can start a claim online, at any branch, or directly on WhatsApp. We guide you every step and pay quickly.
Yes. Life insurance payouts are tax-free in Kenya and India under current law.
Yes, you can apply to renew or convert to a different plan as your needs change.
Apply online, call us, visit a branch, or click “Chat on WhatsApp” for instant help!