HEALTH PLANS
Health insurance plans provide financial coverage for medical expenses, including doctor visits, hospital stays, medications, and preventive care. These plans help individuals and families access quality healthcare while minimizing out-of-pocket costs.
SME MEDICAL COVER
Offers medical coverage to small businesses with a minimum of five principal members for outpatient, inpatient, maternity, dental and optical cover benefits.
individual and family cover
Offers medical coverage for a principal and members of his family for outpatient, inpatient, maternity, dental and optical benefits.
corporate cover
Offers medical coverage to corporate organizations for its employees for inpatient, outpatient, maternity, dental and optical cover benefits
PERSONAL PLANS
Personal insurance plans provide individuals and families with financial protection against risks like health issues, accidents or property damage. These plans are tailored to safeguard personal assets and well-being, offering peace of mind in life's uncertainties.
DOMESTIC package COVER
Designed for home owners which covers the building itself , contents and house employees.
BENEFITS
Owners liability, covers damage or loss to building, workmen's compensation & insurers damages to contents of the house.
auto insurance cover
Covers against financial loss and legal issues arising from insured vehicle accident damages , fire , theft and third party liabilities.
Comprehensive insurance covers against accidents, theft, fire &third party liabilities.
Third party insurance covers third party liabilities incase of an accident
Third party fire, theft insurance covers the insured against fire, theft and third party liabilities incase of an accident caused by the insured's vehicle.
personal accident cover
Covers an individual suffering from bodily injury at home , work, leisure or sporting activities including civil commotions , criminal actions and fatality experienced either at home or outdoors.
BENEFITS:
In accidental death , it pay lumpsum benefits to the nominees in the event of the insured death, pays benefits t the insured in the case of partial or permanent disability and so much more.
travel insurance cover
caters for accident ,injury, death, property damage or loss to the insured
BENEFITS:
Covers medical expenses related to death , injury or disability. Provides an accident cover, including also loss to personal baggage and effects
INVESTMENT PLANS
Investment plans combine life coverage with wealth creation, allowing policyholders to grow their savings over time. These plans offer financial security and returns through market-linked or guaranteed investment options, tailored to meet future goals. .
mONEY MARKET FUND
Its a low risk fund whose purpose is to invest in cash, fixed deposits and interest bearing notes in the Kenyan market. Principal capital invested is guaranteed.
BALANCED FUNDS
Its an average or medium risk fund which invests in stocks of listed companies for growth and in interest bearing instruments for income.
Its ideal for investors who are looking for a mix between capital appreciation, income and safety from dividends, capital gains, interest portion and miscellaneous income from offshore investments.
EQUITY FUNDS
Its a high risk fund which invests in selected securities which offer an investor medium to long - term growth through dividends and capital gains from the investment.
FIXED INCOME FUND
Its a fund which offers a reasonable level of current income and a steady growth of capital by investing in fixed income securities issued by the government and corporations offering a return in form of capital gain and semi annual dividend.
RETIREMENT PLANS
A retirement plan is designed to cater to your financial needs & requirements post retirement including emergencies, household expenses and other living costs. Investing in the best retirement plan is essential for golden years safeguard.
DEFINED BENEFIT PLAN
Defined benefit/ traditional pension plan is a plan which provides a specific amount of payment upon retirement which is based on employee's salary and years of service. Its a plan which provides a specific amount of payment upon retirement.
DEFINEd
coNtribution plan
Defined contribution plan is a scheme which an employer and employee contributions are fixed as percentage of monthly earnings and earn accrued interest over the period of savings until retirement.
PENSION PLAN
Pension is a social security plan of monthly deductions made by both employee and employer to an investment fund and upon retirement former employee receives regular payment until death or until 80 years which comes earlier.
COMMERCIAL PLANS
The great future that lies ahead is cemented when a individual goes full circle takes a leap of faith risks his life savings, energy and interests by passionately delving into business. The commercial insurance comes in many categories.
auto
insurance cover
Motor Commercial Policy covers against financial loss and legal liability arising from commercial associated vehicles accidental damage, fire, theft and third party liabilities
.
Comprehensive Insurance Cover is insurance cover against accidental damages, fire, theft and third party liabilities.
Third Party Insurance Cover is insurance cover against third party liabilities incase of an accident incidence.
Third Party, Fire & Theft Insurance Cover is an insurance cover which offers cover against third party liabilities in case of accidental incidence, theft of the vehicle and fire that has sparked on the vehicle.
.
all risk cover
Industrial All Risks Cover is an insurance cover taken by businesses to cover against fire, burglary, machinery breakdown, business interruption, stock floater insurance and goods in transit risk.
Engineering All Risks Cover is an insurance cover taken by engineers/ contractors for electronic equipment, machinery breakdown & consequential loss, boiler & pressure vessels cover for property loss / damage arising from contract works in the erection/ construction of buildings, roads, bridges, damages and infrastructure
PUBLIC LIABILITY COVER
It covers third party claims within the premises
PRODUCT LIABILTY COVER
It covers legal liability indemnity by consumption of a company's product leading to bodily injury/damage
work men injury benefit
Its an insurance cover which provides compensation to employees for work related injuries, disability or death and diseases contracted in the course of employment.
Employers Liability Insurance provides insurance cover for legal liability consequent upon death or bodily injury to or illness of an employee which occurs during the course of employment which results in a claim first being made against the insured during the period of insurance.
GROUP PERSONAL ACCIDENT COVER
Its an insurance cover for all employees against injuries or death caused by accidents while on duty or otherwise off duty during leisure activities, sports, criminal actions and civil commotions. Its a 24 hour day cover not limited to the employee only while at work.
MARINE INSURANCE
Its a cover used to protect goods from the moment they leave the warehouse until they reach their eventual destination
PROFESIONAL INDEMNITY COVER
its an insurance cover which protects professionals such as accountants, architects, doctors, engineers, lawyers, trustees against being liable for negligent acts through omission/ commission.
FIDELITY GUARANTEE COVER
Its an insurance cover which protects the business from financial losses occasioned by a breach of trust by employees through computer crime or money/ stock loss orchestrated by the employees.
PROTECTION PLANS
Protection plans in insurance are designed to provide financial security and peace of mind in the face of unexpected events such as accidents, illnesses to individuals, or property damage. These plans cover specific risks and ensure that policyholders receive compensation or support when covered incidents occur. By safeguarding individuals. Protection plans help mitigate financial burdens and ensure stability during challenging times.
whole life
plan
Its a whole life assurance cover which pays a lump sum amount to the beneficiaries of the assured upon his demise, the insured can decide to pay premiums until death or until a certain age.
ACCIDENTAL DEATH COVER
Its a whole life cover which pays a lump sum amount to the beneficiaries upon accidental death of the assured.
FUNERAL COVER
It's a whole life cover that protects your legacy by providing for you and your family with financial support for the most urgent expenses at a difficult time.
It covers both accidental and natural loss of life as well as impairment due to an accident.
TERM COVER
Term insurance provides a life cover for a specified period and pays a predetermined sum assured to a nominee if the insured passes away within the term.
It offers no maturity benefits if the policyholder survives the period. The policy requires periodic premium payments, and the insured selects the coverage duration when purchasing the plan..
group life cover
Its a term cover taken by a group especially employers who are trying to cover there employees. It covers death, critical illness, last expense cover and permanent total disability. The policy only matures upon occurrence of the event.
CREDIT LIFE COVER
Its a term cover taken by financial institutions to cover themselves against risk of death, critical illness total and permanent disability that can arise out of borrowers demise. The policy only matures upon occurrence of event..
ENDOWMENT COVER
An endowment plan combines protection and investment, providing a lump sum payout upon maturity or if the insured passes away during the term.
The insured saves regularly, and the policy ensures financial security with either a maturity benefit or a death benefit. In case of the insured's demise, the nominee receives the sum assured and any applicable bonuses.
EDUCATION PLAN
Its an endowment cover which offers simple and affordable education savings plan which secures the child's future. It incorporates a saving and investment plan.
Its a life cover which lasts for a specific term / period and protects the beneficiaries of the assured from any financial risks within the period of the cover mostly education policy covers your child's future by saving funds during the term policy.
In the event of the assured demise the future education of beneficiary is guaranteed education to whatever stage he so wishes..
