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Last Expense Cover

A dignified, compassionate cover designed to handle sudden funeral expenditures. Payouts guaranteed within 48 hours.

Funeral Cover

A Dignified Farewell Without Financial Stress

Losing a loved one is emotionally devastating. Unfortunately, it also brings sudden, heavy expenditures (coffin, transport, hearse, catering, venue booking, and announcement fees) that can exhaust family savings or result in emergency fundraising. A Last Expense policy pays out a cash lump sum quickly, letting you grieve in peace.

Why Buy Last Expense Cover?

48-Hour Payout

Our underwriting partners guarantee payout within 48 hours of submitting the death notification and burial permit, ensuring funds are available when needed.

Full Family Inclusion

Cover yourself, your spouse, up to 4 children, biological parents, and parents-in-law under a single unified annual premium.

Highly Affordable

Premiums start as low as KES 1,500 per year for individuals and KES 4,500 per year for a nuclear family, offering heavy returns for low costs.

Optional Added Riders

Includes optional riders for repatriation of remains (if death occurs abroad) and hospital cash allowances.

Standard Limits & Packages

You can select coverage limits per member according to your family's status. Standard sum assured packages include:

  • KES 50,000 Package: Ideal basic cover for administrative costs.
  • KES 100,000 Package: Covers basic coffin, announcements, and transport.
  • KES 200,000 Package: Offers standard funeral, logistics, and catering support.
  • KES 300,000+ Package: Provides comprehensive support for larger funeral arrangements and family transport.

Last Expense Calculator

Select your coverage options to compare family packages.

Underwriting comparison rates sent within 30 minutes.

FAQs

Last Expense FAQs

Answers to waiting periods, maximum entry ages, and claims documentation.

In the event of accidental death, coverage is immediate (no waiting period applies). For natural deaths (due to illnesses), underwriters apply a standard waiting period of 1 to 3 months depending on the policy terms, to prevent people from buying policies solely when a member is terminally ill.

For biological parents or parents-in-law, standard policies allow new entrants up to age 75 or 80. Once a member is enrolled in the policy, they can remain covered for life, provided the annual premiums are paid continuously without break.

To process the payout within 48 hours, underwriters require:
1. A completed claim form.
2. A copy of the burial permit or death certificate.
3. A copy of the deceased member's National ID.
4. A copy of the claimant's National ID (to confirm identity for payment).