Life Insurance Kenya 2026 Protect Your Family

Term life, whole life, education, and last expense cover. Compare plans from leading insurers in Diani, Mombasa, and across Kenya.

Life insurance ensures your loved ones are financially protected when you're no longer around.

In Kenya, life insurance is one of the most important financial tools for families. It replaces lost income, pays off debts, covers children's education, and provides peace of mind. At Precise Insurance Agency, we compare plans from all leading insurers — including Jubilee, Britam, CIC, Madison, Old Mutual, and more.

Whether you need term life, whole life, education insurance, or last expense cover, we'll help you find the best plan for your budget and family's needs.

Did you know? Life insurance in Kenya offers tax benefits, and some policies include critical illness and disability cover.

Regulated by IRA
Life Insurance Kenya — Family Protection
InstantLife cover
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Term Life Insurance

Affordable cover for a specific period

  • What it is: Provides cover for a set term (e.g., 10, 20, 30 years). No cash value — pure protection.
  • Best for: Young families, mortgage protection, income replacement.
  • Cost: Lower premiums than whole life — KES 10,000–30,000/year for KES 2M cover.
  • Benefits: Pays lump sum to beneficiaries if you die during the term.
  • Top providers: Jubilee, Britam, CIC, Madison, Old Mutual.
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Whole Life Insurance

Lifetime protection with a savings component.

What it is

Provides cover for your entire life (until age 99-100). Builds cash value over time that you can borrow against or withdraw.

Benefits

  • Lifetime protection — no renewal needed
  • Cash value grows tax-deferred
  • Can be used for retirement supplement
  • Fixed premiums — never increase

Cost

Higher than term life because of the savings component. A KES 2M policy typically costs KES 30,000–60,000/year.

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Education Insurance

Secure your child's future

  • What it is: A savings plan that matures when your child reaches college age (typically 18-22).
  • How it works: You pay regular premiums for 10-18 years. At maturity, you receive a lump sum to cover college fees.
  • Protection: If the policyholder dies before maturity, the plan still pays out the education fund.
  • Top providers: Britam EduPlan, CIC Education Policy, Jubilee Scholar Plan, Old Mutual Education.
  • Tip: Start early — premiums are lower when your child is young.
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Last Expense Cover

Funeral and burial cover for you and your family.

What it is

Designed to cover funeral expenses, outstanding debts, and other costs when you pass away. Often called 'funeral insurance' or 'last expense insurance'.

Key Features

  • Cover amounts: KES 50,000 – KES 300,000
  • Affordable premiums: KES 500–1,500/month
  • Available for ages 30-80+
  • Quick payout — no lengthy medical exams

Precise Insurance can help: We compare last expense plans from all major insurers to find you affordable cover.

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Life Insurance in the Coastal Region

  • Families in Diani, Mombasa, and Kwale need life insurance to protect against income loss and funeral costs.
  • Education insurance is especially popular as families in the coastal region value quality education for their children.
  • Last expense cover is essential — funeral costs in the coastal region can be significant.
  • What's available: Term life, whole life, education, last expense, and group life for businesses.

Get a Life Insurance Quote

Compare term life, whole life, education, and last expense plans from leading insurers.

We'll compare plans from Jubilee, Britam, CIC, Madison, Old Mutual and more to find you the best life cover.

Thank You for Your Request!

Your life insurance quote request has been received. We'll get back to you within 24 hours with options from top insurers.

For immediate assistance, call +254 726 439 278

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Frequently Asked Questions

Life insurance provides financial protection for your loved ones if you pass away. It replaces lost income, pays off debts, and covers education costs. In Kenya, it's essential for anyone with dependents.
Term life provides cover for a specific period (e.g., 10-30 years) with lower premiums. Whole life covers you for your entire life and includes a savings component (cash value). Choose based on your budget and long-term goals.
A common rule is 10-15 times your annual income. Consider your debts, mortgage, children's education, and family's living expenses. We'll help you calculate the right amount.
Education insurance is a savings plan that matures when your child reaches college age. It pays out a lump sum to cover fees, ensuring your child's education is funded even if you're not around.
Last expense (funeral) insurance covers funeral costs and outstanding debts. In Kenya, it typically ranges from KES 50,000 to KES 300,000. It's often called 'funeral cover'.
Yes, but premiums may be higher or coverage limited depending on the condition. Some conditions (e.g., diabetes, heart conditions) may be excluded. We'll help you find the best option.
For term life, the policy lapses. For whole life, the policy may have a grace period, or you may be able to use the cash value to cover premiums. Always consult your insurer.
Contact Precise Insurance or your insurer directly. You'll need to provide the death certificate, policy document, ID, and claim form. We'll guide you through the process to ensure a quick payout.