Funerals can be expensive in Kenya. Sometimes you may not have money to finance the funeral, insurance will help. Below is a list of the best insurance covers in Kenya:
Britam Insurance
Funeral Covers
Family Funeral
The Britam Family Funeral Plan enables families to cater for funeral expenses in the event of death of a family member. Members of the covered group can include members of a nuclear family (spouse and children including the legally adopted) and the biological parents of both spouses below age 75 years. Extended family members such as brothers, sisters, grandparents etc. are not covered.
- Features
- The funeral plan covers least 4 family members as a stand-alone product.
- Minimum entry age is 18 years.
- Maximum entry age is 65 years for the primary covered.
- School-going children up to the age of 23 may also be covered.
- Maximum age on cover is limited to 82 years.
- Minimum premium is KES 770.
- Maximum premium depends on the size of the family and option purchased.
- Benefit (Sum assured): Minimum Kshs. 150,000- Maximum Kshs. 500,000.
- Term- No minimum or maximum term.
- There is no medical examination required for the product.
- Premiums may be payable at various frequencies i.e. Monthly, quarterly, semi-annually, annually.
Fariji
The Britam Fariji Plan will help your family cater for your funeral expenses in the event of your demise. It gives your family peace of mind when they need it most.
The plan provides protection cover only. Premiums are paid throughout the life of the insured. The sum assured is applicable to each family member and there is no limit to the number of family members.
The maximum insured age is 82 years. Anyone who meets the eligibility criteria can purchase a cash benefit from as low as KES 100,000 up to a maximum of KES 500,000.
Benefits
- 50% of the cash benefit is paid within 72 hours of notification to Britam though a burial permit and the 50% upon submission of death certificate.
- No medical examinations are required.
- Cash benefit and premium payable are guaranteed up to your 75th birthday.
- The cash benefit is paid to your beneficiary, and they have discretion on how it will be utilized.
APA Insurance
Funeral Expense Cover (Pumzisha)
Death is a traumatic event, however, making plans ahead of time helps cushion yourself and your loved ones with a lump sum payable within 48 hours.
Upon the death of a loved one, most people consider a dignified funeral a non-negotiable expense. Because they tend to be very costly and may come at a time when they are not expected, it is often difficult to manage the financial burden of a funeral. This situation is aggravated if the deceased had been a primary provider of income.
Why the Pumzisha cover?
Our funeral expenses include, among other things, mortuary fees, the cost of a casket, a hearse, flowers, funeral programs, and, refreshments. We have designed a funeral plan to cover most, if not all, funeral expenses in the event of an unexpected death to:
- Minimize the financial impact of unexpected death on the surviving members of your family.
- Ensure the surviving members of your family go through a smooth transition during this difficult period.
- Provide you with peace of mind, knowing that the funeral expenses will be covered in the event of your death or that of a family member.
The cover allows you to include all members of your nuclear family together with your parents and parents-in-law and provide peace of mind thanks to APA Pumzisha cover.
Product Specification
- a) Premiums
- The premiums will be based on age bands (18-23,24-29,30-34,35-39 and so on).
- The premiums will be paid monthly or annually.
- The premium is payable up to the end of the term of the policy or on earlier death.
- Extra premiums will be charged for any additional member.
- b) Policy Terms
- The policy term ranges from 5 to 10 years.
Our main products features include:
Death Benefits
A lump-sum benefit equal to 100% of the sum assured stated in the policy schedule will be payable as long as the policy is active on the occurrence of the insured event.
Three sum assured options are available: 500,000/-, 300,000/-, 200,000/- 100,000/-, 70,000/- and 50,000/-.
Accidental Death Benefits
In the event of death of the main life assured as a result of an accident, a lump sum equal to twice the sum assured will be paid to the beneficiaries.
Cooperative Bank
Funeral Cover
This policy covers the beneficiary and the beneficiaries in the event of:
Death – This involves accidental impairment and accidental loss of life as well as natural death
Impairment – This involves loss of eyes, loss of ears, loss of speech, loss of limbs and others as specified in the schedule
Major Burns – All degree of burns are also covered under this policy.
Important points to note:
- In the event that the main member dies, the benefit will be paid in lump sum
- The cover commences immediately policy is taken in the cases of accidental death. In natural death cases, there will be a minimum waiting period of 1 month.
- The minimum entry age for infants is one month and the maximum entry age for adults is 75 years.
- The cover is renewable annually
- Children are covered up to a maximum age of 25 years under proof of still being under the care of parents/guardian (proved through schooling)
- The cover covers a maximum of four children and one legal spouse
- Biological parents of policy holder and spouse can be added at an additional premium
Eligibility
- Principal Member/Spouse: Minimum entry age is 18 years. Maximum entry age is 70 years. Maximum coverage age is 75 years.
- Children: Minimum entry age is 3 months old to a Maximum 18 years at entry. Maximum coverage is 18 years to 25 years for full-time students.
- Parents/Parents-In-Law: Minimum entry age is 40 years. Maximum entry age is 75 years. Maximum coverage age is 80 years.
Cover Options
The Policy provides for the following:
- Benefits ranging from Kes. 100,000 to Kes. 500,000.
- Annual premium is per principal member.
- Covers the principal, spouse, maximum of four children and parents/inlaws.
- Offers cover for both accidental and natural causes of death for 24 hours a day, seven days a week.
- The cover does not exclude passive war, riots and terrorism risks or persons living with HIV
- Waiting period: 3 months waiting period in case of natural death from the date cover commencement. No waiting period for accidental death.
- Lump sum benefit payable in the event of death of the specified family members.
- The cover runs for one year and is renewable annually upon expiry
Additional Benefits
- Refreshments at funeral
- Cost of buying wreath
- Cost of tent, seats etc.
- The hearse
- The cost of transportation of family members
- The casket or urn
- Purchase of burial plots in public cemeteries
- Clearance of all hospital bills inclusive of mortuary bills accrued within clause
- Labour for the burial site
- Obituaries and any other funeral announcements
- Cremations
- Costs of mortuary
Exclusions
- Death or impairment as a result of suicide or attempted suicide
- Alcohol and drug abuse
- Involvement in criminal activities or illegal acts
Life
- Burial permit /Death certificate
- Claim form
Old mutual Insurance
Last Expense Cover
What’s in it for you?
- Covers principle member, spouse, and up to 4 children (or 5 children for single parents)
- Can accommodate additional children, parents, and inlaws at an additional small premium
- Covers children up to the age of 18 (or age 24 if the child is still under parents care and in school/ college)
- Flexible upper age limit for principle member, spouse, and parents at age 75 years at entry. Thereafter one enjoys cover for the whole of life for as long as they renew the policy annually
- Flexible range of cover from KES 50,000 to KES 500,000
How does it work?
Enjoy the flexibility of either a single claim or multiple claim cover.
- Single Claim Cover: This cover will pay a sum assured, i.e. the amount of cover chosen, upon the first death of an insured member in a family within 12 months of policy commencement or renewal. The cover then lapses and must be renewed to restore cover for the remaining family members.
- Multiple Claim Cover: This policy option will pay a sum assured, i.e. the amount of cover chosen, upon the death of the insured family members within 12 months of policy commencement or renewal, up to a maximum of 3 claims in a year.
Pioneer Insurance
Group Last Expense (Heshima Plan)
What is offered
Pioneer Assurance has a tailor-made Group Last Expense insurance cover that is meant for registered groups such as Corporates, Cooperatives, Welfare Groups, Micro Finance Institutions and SMEs that pays a benefit towards meeting, the funeral expenses of a member.
By arranging for the payment of a set sum upon the untimely passing of any scheme member, Pioneer’s Group Last Expense plan eases the burden of funeral arrangements and associated costs.
Benefits at Glance
- A benefit of a specified sum assured per member is payable on death of any of the lives assured (principal member, spouse, child and parent/Parent-in-law) within 48 hours of documentation.
- The benefits of this cover range from 50,000 to 300,000
- Waiting period: 2 months unless death occurs through accident for stand-alone policy
- Age: 1 – 70 years at entry for principal members and spouses and 80 years for parents and parents-in-law
- Annually renewable cover
- Minimum membership per group is fixed at ten members of a registered group
- Claims paid within 48 hours of reporting & documentation
Stanbic Bank
Flexi Protect
What is covered
| Member type | Minimum Amount Assured | Maximum Amount Assured | |
| Main Member (Policy holder) | Kes 50,000 | Kes 1,000,000 | |
| Spouse | Kes 50,000 | Kes 1,000,000 | |
| Children (This benefit is regulatory legislated) |
Kes 50,000 | < than 3 months | Kes 50,000 |
| 3 months to 5 years | Kes 100,000 | ||
| 6 – 10 years | Kes 100,000 | ||
| Over 10 years | Kes 500,000 | ||
| Parents/Parents in law | Kes 50,000 | Kes 800,000 | |
| Extended Family | Kes 50,000 | Kes 500,000 | |
| Benefit type | Minimum Amount Assured | Maximum Amount Assured |
| Funeral Benefit | Kes 50,000 | Kes 1,000,000 |
| Newspaper Advertisement | Kes 50,000 | Kes 150,000 |
| Grocery | Kes 5,000 | Kes 20,000 |
| Catering | Kes 50,000 | Kes 150,000 |
| Repatriation | Kes 100,000 | Kes 500,000 |
| Airtime | Kes 1,000 | Kes 5,000* |
What it costs
Flexi Protect means you choose what you pay:
- Any additional premium payable per person added will be dependent on the cover amount selected and age at time of policy application.
- Any additional premium payable for each additional benefit selected for main insured and spouse will be dependent on level of amount selected, age at policy application and period of benefit payment where applicable.
- There is also an option to add an automatic annual premium and benefit increase at an additional premium.
What you will need to purchase a policy:
- Your National Identity
- Name, Surname and Date of birth of all members to be covered
*Additional content may be required on a case-to-case basis
What you will need to claim:
- Burial permit (duly certified by the Registrar of Births and Deaths)
- Certified copy of the Life Assured’s identity document
- Birth certificate if there is no identity document or a child under 18 died
- Original identity document of the beneficiaries
- Original Death Certificate Notice of registration of death
- Proof of marriage for Spouse claims
- Proof of relationship with main member for extended member claims
Standard Chartered Bank
Last Respects Insurance Plan
| LIFE COVERED | AGE | CASH PLAN | CASH PLAN | CASH PLAN | CASH PLAN |
| Benefit (KShs) | Premium Per Annum (KShs) | Benefit per Annum (KShs) | Premium Per Annum (KShs) | ||
| Member (Main member) | 18-60 | 200,000 | 3,600 | 300,000 | 5,400 |
| Spouse | 18-60 | 200,000 | 3,600 | 300,000 | 5,400 |
| Child | 3 months – 24 | 100,000 | 1,800 | 100,000 | 1,800 |
| Parent | 18-65 | 200,000 | 5,000 | 300,000 | 7,500 |
| Parent | 66-70 | 200,000 | 8,000 | 300,000 | 12,000 |
| Parent | 71-75 | 200,000 | 12,800 | 300,000 | 19,200 |
| Note: | |||||
| **75 years is the maximum age at entry. However, after the age of 75, an existing client continues with the policy as long as they are paying the premiums | |||||
Eligibility
You and your spouse must be aged 18 to 60 years. As many as 4 children can also be covered under the policy and should be aged 3 months to 24 years. And parents and parent-in-law covered in this policy should be 75 years of age or younger.
Free Look Period
You have the right to review the policy within 30 days and if not satisfied, you have a right to a return of the full premium paid
Payment of Claims
Claims are payable within 48hours after receipt of full documentation by the Insurer
Payout
This is a product that pays out a specified amount upon the death of the life assured as shown in the table below. The funeral benefit covers death from illness as well as accidents.
Montezuma Monalisa Funeral Home
Funeral Insurance in Kenya
Why Our Funeral Insurance x
Driven by our vision and mission , we saw the need to bring the most elusive peace of mind in the case of demise of a loved one in family and society by offering a relevant and pocket friendly insurance solution that allows loved ones and society as a whole the peace of mind in arranging for the send off of the departed loved one.
Eligibility x
Residents of Kenya
Waiting Period x
Retail Cover
-Accidents & acute ailments – 0 Days
-Chronic & Natural ailments – 1 Month
Exclusions x
Death resulting directly or indirectly from active participation in Mutiny, riot, strikes, military or popular uprising, insurrection, rebellion, revolution, military or usurped power, martial law or stage of siege or any of the events or causes which determine the proclamation or
Death Resulting directly or indirectly from intentional self -injury, suicide or the influence of alcohol or drugs medical or surgical treatment or
Death resulting directly or indirectly from mountaineering necessitating the use of guides or ropes, winter sports, big game shooting or riding or driving in any kind of race or motorcycling above 250cc or,
Death resulting directly or indirectly from aviation other than as a fare-paying passenger in an aircraft operated by a regular Air Line or established charter service or
Death Resulting directly or indirectly from participation in any hazardous sport or pursuit including rock climbing, scuba diving, hang-gliding and aided speed contests of any kind.
Claims Documents Required for Benefit x
Death Notification
Burial permit & police abstract in case of accidental death
Copy of ID/Birth Certificate of the deceased
Copy of ID of registered beneficiary
Completed Claim form
ABSA Bank
Family Protection Funeral Cover
Ensure that you and your family can afford the funeral your loved one deserves
- Funeral costs and day-to-day living expenses are covered
- The policy will pay out a lump sum to your selected beneficiaries in the event of death
- Choose the family members and level of cover you wish to include in the funeral policy – ranging from KES50,000 to KES500,000
- Beneficiaries will receive payment as per signed-up benefits
- Your spouse can continue to maintain the policy in the event of your death
- You can add up to a maximum of 5 children as beneficiaries
- Children’s cover will continue past the age of 21
- Cover up to a maximum of 4 parents and 8 extended family members
- Parents and extended family members must be younger than 84 years when you apply
CIC Insurance
Family Protector
Why Family Protector
As a family’s breadwinner, you should ensure that the future of dependents is secured in the event of an untimely death by getting this policy. Because of its relatively low premium cost and flexible terms ranging between 1 to 30 years families from all income levels are covered and the best thing is that loans can be secured without any surrender value.
BENEFITS
- A minimum Sum Assured of 75,000 and there is no maximum
- Optional benefits: Accidental Death, Personal accident, Critical Illness and Funeral Expense
- Its payment frequencies are monthly, quarterly, semiannually and annually
Diaspora Last Expense
This solution caters for the last expense to ensure that Kenyans living in the Diaspora receive a dignified funeral and return home in the unfortunate event of death.
Diaspora Return Ticket
The cover provides a shared cover in case of the death of either of parents, spouse, children or siblings who live in Kenya.
The sum assured provided can be used to purchase a travel ticket and for contributions towards the funeral expense for the departed. The amount is payable once on the first demise of any of the above dependents during the insurance period.
Prudential Insurance
Group (LAST) Funeral Expense
Product Features
Group (Last) Funeral Expense offers much-needed relief just when you need it
- It covers expenses ranging from Ksh. 50,000 – 500,000 within 48 hours of claim.
- The cover can also be extended to the spouse, children & parents/parents-in-law.
- Age limit at entry- 18- 60 years
- Can also cover:
- Your spouse aged 18 – 65 years.
- Your children aged 1 month – 18 years.
- School-going children above 18 years, and not older than 24 (years may be covered, subject to proof of school attendance. Children covered up to their 21st birthday, or 25th Birthday if unmarried & full-time student)
Product Benefits
Waiting Period
- Death due to illness: 1 month for Principal Member, Spouse & Children & 6 months for Parents/Parent-in-Law.
- Accidental Death: None
Claim Documentation
- Official Death notification from the Employer / Organization / Association
- Burial Permit
- Copy of the deceased member identification document – e.g. ID Copy, Birth Certificate Copy, etc
- Copy of the beneficiary (Payee) identification document
Onboarding Process
The client will complete a group proposal form for KYC purposes. The details required will include;
- Name of Employer / Organization / Association (Must be registered)
- Membership Data – Name & Date of Birth of the Principal Members / at least 10 Principal Members
- Where cover is extended to dependents – Name, Date of Birth & relationship to the Principal Member
- Desired benefit levels
UMASH Funeral Services
Individual Plan
Our individual funeral cover helps individuals manage the burden of meeting funeral expenses. Our product will provide funeral benefits for the principal member only. The member has to be a resident in Kenya.
Family Plan
This is a funeral cover that helps manage the burden of meeting funeral expenses. The scope of this product will be to provide funeral benefits for the main member, spouse, parents, parents-in-law, and up to 4 children. The family has to reside in Kenya.
Corporate/Group Plan
The Umash Funeral Cover provides affordable and simple cover to a group, welfare, or company’s employees giving them peace of mind that in the event of death, the bereaved family or loved ones are protected against unexpected funeral costs.
Cremation Plan
This is a funeral cover that helps manage the burden of meeting funeral expenses. The scope of this product is to provide funeral benefits for the principle member who wishes to be cremated.
Jubilee Insurance
Group Last Expense Cover
Why get the Group Last Expense Cover?
- This plan gives your family the support they need to pull through the pain of loss by catering for the costs of arranging the funeral. The cover is specially tailored for any legally registered entity with 20 main members and above.
- The cover provides cover for principal member of company, spouses, children, parents and parents-in-law of the member.
Key Benefits
- Death and disability cover
- Member coverage by default
- Ease of premium payment
- Efficient fund management
- No waiting period
Enwealth
Faraja Benevolent Fund
Advantages
- No limitations on the number of claims payable in a year.
- Affordable premiums payable once per year.
- Covers death claims arising from pandemics e.g. covid-19
- Wide coverage
- No medical tests required when joining.
- Benefits are not subjected to any forms of taxation.
- Claim settlement with 48 hours.
Groups Funeral
Covers:
- Groups e.g. chamas, welfare associations, saccos, corporates and churches.
- Employees together with their spouses and children depending on the sponsor’s preference
Individuals
Covers Individuals together with;
- Spouse
- Children
- Parents
- Parents-in-law
Family Bank
Endowment Plan
This policy gives a combination of death protection and investment for a stated period of time. On the survival of the assured to the term or permanent total disability and/or death, full sum assured is payable plus applicable riders.
Benefits
- Provides a single lump sum and accumulated profits at a future maturity date to enable one fulfill an investment objective.
- The single lump sum plus accumulated profits are also payable to the next of kin should the policyholder die before policy maturity.
- Cover continues without any further premium payments should the policyholder suffer permanent disability.
