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Group Last Expense / Funeral Cover

Compassionate, collective protection designed for corporate staffs, chamas, and welfare associations. 48-hour payouts guaranteed.

Welfare Solutions

Support Your Members in Times of Need

Losing a member of staff or an association associate creates immediate emotional and financial stress. Often, organizations resort to collections or "chama contribution rounds" to help with burial costs. A Group Last Expense cover formalizes this process, ensuring that KES 50,000 to KES 200,000+ cash is released to the bereaved family within 48 hours.

Group Funeral Cover Highlights

Fast-Track Payouts

Underwriting partners release cash via Mobile Money (M-Pesa) or Bank transfer within 48 hours of receiving burial permits.

Nuclear & Extended Family

Policies can cover member, spouse, up to 4 children. Biological parents and parents-in-law can also be co-opted at wholesale rates.

High Discount Rates

Group packages offer heavy savings. Individual covers are up to 60% more expensive than collective group rates.

Welfare Integration

Replaces or integrates with existing corporate staff welfare or chama emergency accounts.

Who Can Purchase This Cover?

  • Corporate Employers: Added as an auxiliary benefit alongside employee health or pension programs.
  • Welfare Associations: Registered societies or staff unions setting up formal member-benefit channels.
  • Chamas / Investment Groups: Registered community investment circles securing their active members.

Request Group Funeral Quote

Input group statistics to compare corporate packages.

Underwriting quote details sent via email within 1 hour.

FAQs

Group Last Expense FAQs

Answers to waiting periods, senior age restrictions, and claims execution.

Group funeral cover requires a single consolidated policy and premium payment, making administration simple for the company or chama. Due to group pricing models, premiums per member are significantly cheaper (often up to 50-60% lower) than buying individual policies.

For accidental death (e.g. car crash), coverage is immediate for all members. For natural death (illness), a waiting period of 30 to 90 days usually applies depending on the size of the group. Larger corporate groups often qualify for "no waiting period" (immediate coverage) for all staff.

For parents and parents-in-law enrolled in the group policy, the standard maximum age of entry is **75 to 80 years old** at the start of the policy. Once enrolled, coverage continues for life as long as the group policy remains active.