Death Benefits:

• Lump sum death benefit
• Accidental death double benefit
• Funeral expenses payment
• Repatriation costs coverage
• Education fund for children

Living Benefits:

• Critical illness coverage
• Permanent disability benefit
• Terminal illness advance
• Medical expenses support
• Rehabilitation costs

Additional Benefits:

• Waiver of premium during disability
• Spouse and dependant coverage
• Portability options for leavers
• Counselling services
• Legal support for beneficiaries

• Talent Attraction & Retention

Competitive benefits package helps attract and retain quality employees in a competitive market

• Tax Efficiency

Premiums are tax-deductible business expenses while benefits are tax-free for employees

• Employee Loyalty

Show employees you value their wellbeing, increasing loyalty and reducing turnover

• Cost-Effective Protection

Group rates are significantly lower than individual policies, providing better value

Step 1: Needs Assessment

We analyse your workforce demographics and recommend appropriate coverage levels

Step 2: Plan Design

Customise benefits, coverage amounts, and optional add-ons for your organisation

Step 3: Employee Onboarding

Simple enrollment process with digital certificates and employee communication support

Manufacturing & Construction:

• Higher accidental death benefits
• Shift worker coverage
• Hazardous occupation rates
• Site accident protection

Professional Services:

• Competitive executive benefits
• Professional association rates
• Flexible coverage options
• International travel coverage

SMEs & Startups:

• Affordable entry-level plans
• Scalable coverage as you grow
• Simple administration
• Digital management portal

Digital Administration:

• Online employee enrolment
• Digital certificate issuance
• Real-time coverage updates
• Mobile app for employees

HR Integration:

• Seamless payroll integration
• Automated new hire enrolment
• Leave management coordination
• Compliance reporting

Claims Support:

• Dedicated group claims team
• Family assistance services
• Fast claims processing
• Beneficiary support

Q1: What's the minimum number of employees required?

A1: We cover groups from as few as 5 employees, with special programs for smaller businesses.

Q2: Can employees customize their coverage?

A2: Yes, we offer flexible plans where employees can top-up basic coverage with voluntary benefits.

Q3: How are premiums calculated?

A3: Based on employee demographics, industry risk, coverage levels, and claims history.

Q4: What happens when an employee leaves?

A4: They can usually convert to an individual policy or coverage may continue during notice periods.

Q5: Are pre-existing conditions covered?

A5: Group policies typically cover pre-existing conditions after a short waiting period.

Testimonial 1:

"Implementing group life insurance reduced our staff turnover by 30% and became our most valued employee benefit."

- Manufacturing Company, Thika

Testimonial 2:

"The digital administration platform made managing our 75 employees seamless. Onboarding new staff takes minutes instead of days."

- Tech Startup, Nairobi

Legal Compliance:

• Meets retirement benefits regulations
• NSSF complementary coverage
• Employment Act considerations
• Tax compliance guaranteed

Regulatory Features:

• IRA-regulated insurance products
• Transparent pricing structure
• Clear benefit communication
• Annual compliance reviews

Tax Efficient • Employee Retention • Easy Administration