• By Raymond Momanyi

Mama Akinyi vs Wanjala’s Chama: Who Paid the Price of Goodbye?

Two Families, Two Realities

Mama Akinyi’s Story:
When Mama Akinyi, a 63-year-old mother of four from Kisumu, passed away, her family was heartbroken. But there was one thing they didn’t have to worry about — money. A year earlier, her eldest daughter had convinced the family to take a Last Expense Cover through Imana Insurance Agency Kenya Ltd.

Within 48 hours of submitting documents, the insurer paid out KSh. 300,000. The family used it to settle mortuary fees, buy a coffin, hire a hearse, feed mourners, and transport relatives from Nairobi and Mombasa. Mama Akinyi’s funeral was dignified. Her children grieved in peace — no harambees, no debts, no shame.

Wanjala’s Chama Story:
On the other side, Wanjala’s chama in Bungoma wasn’t so lucky. One of their long-serving members, Mr. Mutisya, died suddenly. The chama had no group funeral cover. Members were called for an emergency meeting:

• Contribution per person: KSh. 10,000.
• Some members couldn’t afford it.
• WhatsApp groups were flooded with endless requests.
• Others borrowed loans just to support the family.

The result? Bitterness. Delayed burial plans. Exhausted members. The family buried Mutisya, yes — but the financial scars lingered in the chama for months.

The Reality in Kenya

Funerals are expensive — but grief should never be about money. Families and groups across Kenya face two options:

• Scramble through harambees, loans, and strained friendships.
• Or prepare in advance with Last Expense (Funeral) Insurance.

How Last Expense Cover Works

For Individuals & Families

• Payouts from KSh. 100,000 – 500,000+
• Premiums from KSh. 200/month
• Covers spouse, children, and even parents (depending on plan).

For Groups, SACCOs, & Chamas

• Collective cover for members.
• Cheaper premiums due to pooling (from KSh. 100/member monthly).
• Quick payouts within 48–72 hours.
• Members can extend to cover their families.

Why Families & Groups Choose Last Expense Insurance

1. Quick Payouts – Money is available within days, not months.
2. Affordable – Cheaper than a single harambee contribution.
3. Peace of Mind – Families mourn without financial panic.
4. Cultural Dignity – Funerals are respected, not rushed or downgraded.

Why Choose Imana Insurance?

At Imana Insurance Agency Kenya Ltd, we don’t just sell policies — we protect dignity. With access to Kenya’s top insurers, we help individuals, families, and groups:

• ✅ Choose affordable funeral covers.
• ✅ Avoid hidden costs.
• ✅ Get quick claims processed in 48–72 hours.
• ✅ Protect loved ones when they need it most.

The Hard Truth

One day, every family will face the cost of a funeral. The only question is:

• Will you mourn in peace like Mama Akinyi’s children?
• Or scramble in panic like Wanjala’s chama?

Insurance Wisdom: Love Beyond Life

Funeral insurance isn’t about death — it’s about love. It’s a way of saying: “Even when I’m gone, I don’t want to burden you.”

At Imana Insurance, we call it: Dignity in Goodbye.

👉 Protect your family or chama today with Last Expense Cover from as low as KSh. 200/month.

🌐 www.imana.co.ke | www.mykava.co.ke

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

#LastExpenseCoverKE #FuneralInsuranceKenya #CompareSaveBuy #ImanaInsurance #PeaceOfMind