Protection · For the people who depend on you
Life Cover
Life cover is not a bet on dying — it is a promise that the life you are building continues, whoever is here to see it.
Life cover is about what continues when you are no longer present to manage it.
Without life cover, families are forced to make financial decisions under emotional pressure. With it, life continues with structure.
The promise, in one line
"They keep the house, the school, the plan — everything but the goodbye."
The story
Every family runs on one quiet engine
When Njeri's husband died at 43, the mourning was hers — but the mortgage, the school run, and the small business payroll did not pause to grieve with her. What carried the family through the next decade was a decision made on an unremarkable Tuesday, years earlier: a life cover policy sized not to a round number, but to the actual weight of everything he carried.
That is what life cover really is. Not a product. A transfer of weight — from the shoulders of the people you love onto a contract that cannot be shaken by grief or time.
Most families insure their cars before their income. We think that ordering says everything about how protection is sold — and nothing about how it should be built.
The reality
What a single income really carries
KES 42M
Over twenty years — what your family is really depending on
KES 180,000/month
A comfortable family lifestyle — the number cover must replace
KES 2.1M
What that lifestyle costs in one year
KES 21M
The ten-year weight carried by a single income
Most families underestimate this by more than half.
What it protects
Promises, kept in writing
The roof stays
Mortgages and rent are settled or sustained — your family grieves at home, not while moving out of it.
School fees, uninterrupted
Education continues on the path you chose — term after term, through graduation.
Income, replaced
A lump sum or structured payout sized to years of your earnings — not a token gesture.
Debts die with you
Loans and obligations are cleared — your legacy is what you built, not what you owed.
Who This Is For
- Parents with children or dependants who rely on their income
- Founders and sole earners whose absence would disrupt family finances
- Primary contributors whose income funds the household, school fees and mortgage
- Anyone whose disappearance would create immediate and lasting financial disruption
How We Design It
- 01 Map all dependants and financial responsibilities honestly
- 02 Align cover to actual lifestyle costs — not a round number
- 03 Coordinate with trust and governance structures so funds reach the right people
- 04 Review as life changes: children, business growth, new obligations
Protectors on Life Cover
Families who made the promise
The advisor didn't start with premiums. He started with our daughters' ages and worked backwards. That's when I understood we weren't buying a policy — we were writing a guarantee.
My assessment flagged income protection at 31 out of 100. Six weeks later it reads 84 — and I sleep like it.
No obligation · Same-day reply
The unremarkable Tuesday is today.
One conversation. Protection sized to the weight you actually carry.
Independent advice · Curated from Kenya's leading insurers · No obligation