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Last Expense (Funeral Insurance) in Kenya: Dignity in Difficult Times
01Oct

Last Expense (Funeral Insurance) in Kenya: Dignity in Difficult Times

The Cost of Goodbye

In Kenya, funerals are not just family affairs — they’re cultural milestones. Communities gather, relatives travel, friends contribute. But the harsh reality? A funeral can cost anywhere between KSh. 150,000 – 500,000, depending on traditions, location, and family status.

For many households, this leads to rushed harambees, emergency loans, and emotional strain at the worst possible time. That’s why Last Expense Insurance — also called Funeral Insurance — is becoming one of the most important covers for Kenyan families.

At Imana Insurance Agency Kenya Ltd, we’ve helped both individuals and groups prepare for this reality, offering affordable and flexible funeral cover options tailored for every Kenyan.

What is Last Expense (Funeral) Insurance?

Last Expense Insurance is a policy designed to pay a lump sum to a family when the insured person passes away. The money is meant to cover funeral and burial costs — removing financial stress from grieving families.

1. Individual Last Expense Cover

This is taken by a single person to protect their family from unexpected funeral costs.

Features:

  • Lump sum benefit: Payout from KSh. 100,000 to 500,000+.
  • Affordable premiums: From as low as KSh. 60 per month.
  • Covers: Burial costs, coffin, mortuary charges, transport, and related expenses.
  • Age brackets: Typically 18–70 years, renewable annually.

💡 Example: Mr. Kamau, a 45-year-old father, pays KSh. 1,200 per year for a last expense policy. When he unexpectedly passes on, his family receives KSh. 300,000 to manage funeral expenses with dignity — without begging or borrowing.

2. Group Last Expense Cover

Designed for groups, SACCOs, chamas, welfare associations, and employers.

Features:

  • Multiple members insured under one policy.
  • Cheaper premiums due to pooling.
  • Flexible options: Members can cover spouses, children, and even parents.
  • Quick payout: Usually within 48–72 hours after claim documents are submitted.

💡 Example: A SACCO with 100 members takes a Group Last Expense cover. Each member contributes KSh. 500 per month. When one member passes away, the SACCO receives KSh. 200,000 to support the bereaved family instantly.

Why Last Expense Insurance Matters in Kenya

  1. Financial Relief: Families don’t need to sell land or call endless harambees.
  2. Quick Payouts: Unlike life insurance, last expense payouts are processed fast.
  3. Affordable: Anyone can afford it — premiums are flexible, starting very low.
  4. Community Protection: For SACCOs and chamas, it reduces pressure on welfare funds.
  5. Dignity: Families mourn in peace, not in debt.

Cost of Last Expense Cover in Kenya

  • Individual covers: From as low as KSh. 1200/month.
  • Family packages: From KSh. 1000/month covering spouse + children.
  • Group covers: From KSh. 400/member yearly, depending on benefits chosen.

Why Choose Imana Insurance?

  • ✅ Access to top insurers with flexible packages.
  • ✅ Guidance on both individual & group funeral covers.
  • ✅ Transparent pricing, no hidden costs.
  • ✅ Quick claims support (within 72 hours).
  • ✅ Easy sign-up — WhatsApp, Pay, Activate.

How to Get Funeral Insurance in Kenya

  1. Decide if you want individual or group cover.
  2. Share your details (or group member list).
  3. Get comparison quotes from Imana.
  4. Pay via M-Pesa or bank.
  5. Policy activated — your family or group is protected.

Insurance Wisdom: Peace of Mind Even in Loss

Death is inevitable, but financial chaos doesn’t have to be. With Last Expense Insurance, you ensure your loved ones can grieve with dignity, without the burden of bills.

At Imana Insurance Agency Kenya Ltd, we walk with families and groups at life’s hardest moments, making sure love, not debt, defines the final goodbye.

👉 Protect your family or group today with a policy starting from KSh. 60/month.

🌐 www.imana.co.ke | www.mykava.co.ke

📲 WhatsApp: +254796209402 | 0745218460
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi

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