Life Insurance

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Life Insurance in Kenya

Life is full of uncertainties, but your loved ones’ financial future doesn’t have to be. At Royal Prestige Insurance Agencies LTD, our partners Life Insurance Plans are designed to give you peace of mind, knowing that your family will be protected no matter what life brings. Whether you’re looking to grow your wealth, leave a legacy, or cover future obligations, we have a plan that fits your goals.

Why Life Insurance Matters

Life insurance provides financial stability when your loved ones need it most. It helps:

  • Replace lost income in case of death

  • Settle outstanding debts and loans

  • Cover funeral and medical costs

  • Fund your children’s education

  • Build long-term savings or leave a legacy

Common Life Insurance policies in Kenya

Types of Insurance policies in Kenya

This is a whole life policy that guarantees a payout to your beneficiaries whenever you pass away. It also includes optional investment features and add-ons such as disability or accidental death cover.

Features:

  • Lifelong coverage

  • Guaranteed benefits

  • Optional riders (e.g. critical illness, premium waiver)

A term life insurance plan that offers high cover for a specific period  ideal for income protection, young families, or securing loan obligations.

Features:

  • Low-cost premiums

  • Coverage for 5, 10, 15, or 20 years

  • Lump sum payout on death during policy term

Designed for couples or co-owners, this plan insures two individuals under a single policy. A payout is made upon the first or second death, depending on the selected structure.

Features:

  • Joint coverage

  • Ideal for couples or business partners

  • Simplified administration

A savings-linked life policy that pays out in multiple instalments during the policy term, in addition to providing death benefits. This is ideal for funding life goals like education, home ownership, or retirement.

Features:

  • Scheduled survival benefits

  • Lump sum at maturity

  • Combines insurance with disciplined savings

Offers guaranteed payouts at pre-agreed intervals. Useful for people who want to meet specific milestones such as school fees or business investments while still being insured.

Features:

  • Fixed payouts

  • Protection throughout policy term

  • Suitable for structured financial planning

This is an anticipated endowment plan that pays out partial benefits before maturity — helping you meet short- and mid-term financial goals, while keeping a portion reserved for the end of the policy.

Features:

  • Regular benefit withdrawals

  • Final payout at maturity

  • Helpful for planning major expenses

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At Royal Prestige Insurance Agencies LTD, we work with leading car insurance companies in Kenya to give you access to customizable, affordable, and reliable motor insurance plans.

Call our experts

0722 807 274

Write email

info@royalprestige.co.ke

Visit office

Morningside Office Park, Kilimani Area.