The FFP is a risk product with ancillary benefits that are primarily designed to provide burial cover for Kenyans. The product also offers an avenue for savings through optional cash bonus ancillary benefit. This policy ensures that you are able to give a dignified send off to your loved ones. Members of the extended family are covered as well. Other benefits include: Affordable premiums starting at Ksh.500/- An automatic 5% premium update to fight inflation No medical examination Optional cash bonus (savings plan) Option of choosing an alternative premium payer after age 50 but before age 65, so the policy can continue without the up-front costs of starting a new policy of insurance 8 days for you to review the policy once it commences, to ensure you are satisfied with your purchase 10% of all premiums paid for this policy will be paid back every 5 years.

Meets a specific need for unexpected expenses Wide range of ages covered i.e. Unborn or newborn children, parents, parents-in-law, grandparents, extended family etc. Affordable premiums You can add savings if needed (ancillary) After every 5 years 10% of your risk premium is credited to the policy’s investment account. No medical tests required No HIV/AIDS exclusion after initial waiting period No waiting period for accidental death Life assured can transfer policy to another person covered under existing policy after attaining age 50 but before turning 65 years of age You can take a policy advance of up to 75% of Cash Bonus investment value after three years.

FFP policy does not have a term. As long as the policy is in force benefits relating to any dependant covered under the policy are payable. The policy will however cease when the life assured attains the age of 66 years and policy transfer has not been done. The beauty of the product is that the policy can be transferred after the life assured has attained age 50 but before age 65.

FFP can only acquire a value if the policyholder is paying for the cash bonus benefit. The cash bonus premium net of relevant expenses purchases units in a well managed unit linked fund and the value of the policy will be the value of the units under your policy at any given time.

Yes. An endorsement can be done to that effect. Premiums for the new dependant(s) will be calculated based on age and cover will be subject to the six or twelve months waiting period based on the class of dependant added. The waiting period for the Life Assured and Spouse is 6 months, while that of all other dependants is twelve months.

This refers to the period of six or twelve months following commencement/reinstatement of your policy. During this period only claims arising out of death from accidental causes are payable. After the six or twelve months all claims are payable subject to the policy terms and conditions.

For a pure risk FFP policy nothing is payable. However, for a policy with a cash bonus benefit, the cash value of the policy is payable subject to penalties of 25% and 12.5% if the policy is withdrawn within the 2nd and 3rd year respectively. After three consecutive years, the full cash value in the cash bonus account is payable. No benefit shall accrue if the policy is withdrawn in the 1st year.

All you need to do is notify us through the nearest agency office. Our claim form will be issued to you for completion. You will be required to submit a certified copy of the burial permit, proof of age for the deceased (i.e. copy of national identity card, clinical or baptismal card) and the policy document. Upon receipt, claim will be assessed and paid within 48 hours.