Family Shield Cover is a funeral plan for individuals and their families, designed to cover most, if not all, funeral expenses in the event of an unexpected death of a family member. The amount paid upon death will provide financial assistance for mortuary fees, casket, hearse, flowers, funeral programs, refreshments and any other funeral related expenses.
✔ Funeral Benefit on the death of the life Assured
The benefit paid can be used to take care of funeral expenses, which may include morgue fees, casket purchase, hearse, flowers, funeral programs etc. The benefit amount payable on death within the term is: a) 100% of the elected Sum Assured for the principal member b) 100% of the elected sum assured for the spouse c) 100% of the elected sum assured for each parent and parent-in-law d) 50% of the elected sum assured per child

✔ Waiver of Premium
For all the levels of cover, on death of the policy owner, the policy shall continue to remain in force for the spouse and child (if any). All future premiums in respect of the spouse and child (if any) will be waived for the balance of the policy term. Coverage for Parent(s) will not continue under this scenario and no new lives can be added to the policy
✔ Funeral Refreshments
Upon death of the principal member, an agreed cash amount will be paid to the beneficiary to assist with the cost of refreshments during the burial ceremony for all cover levels except Kifaru
✔ Monthly debt and shopping allowance
Upon the death of the principal member, an agreed cash amount will be paid on a monthly basis to the beneficiary, for a maximum of 6 months, to assist with the cost of groceries and small outstanding debts of the bereaved family. For all cover levels except Kifaru
✔ Hospitalization Cash
When the policy owner is hospitalized due to an accident only during the policy term, for a period of 4 consecutive days, a fixed cash amount will be paid for each day of the hospitalization up to a maximum of 15 consecutive days
✔ Savings Benefit (Optional)
An option to contribute an additional amount(ranging from Kes. 500/= to Kes. 5,000/= per month), over and above each regular premium, towards a saving’s account which will earn a guaranteed return of 4% each year. The savings fund built up will be paid out to policy owner if he survives to the end of the policy term, or will be paid out to the beneficiary on the policy owner’s death or it can be withdrawn by the policyowner at any time after the third policy year. even if no death occurs
Plans Kifaru(Kshs) Chui(Kshs) Nyati(Kshs) Simba(Kshs) Ndovu(Kshs)
Policy Owner and SpouseKES 50,000KES 100,000KES 150,000KES 200,000KES 250,000
Child (max 6)KES 25,000KES 50,000KES 75,000KES 100,000KES 125,000
Parent(max 4)KES 50,000KES 100,000KES 150,000KES200,000KES250,000
Supplementary Benefits On the Death of the Policy Owner ONLY
Funeral Refreshments_KES 10,000KES 20,000KES 30,000KES 40,000
Monthly Debt and Shopping
Allowance(Maximum 6 months )
_KES 2,500KES 5,000KES 7,500KES 10,000
Hospitalization of the Policy Owner ONLY in the event of an Accident
Fixed Cash Amount (payable for
a maximum of 15 consecutive
days of stay subject to a
minimum stay of 4 consecutive
days)
_KES 1,000KES 2,000KES 3,000KES 4,000
  1. ✔ Policy Owner and One(1) Spouse.Your age should be between 18 and 65
  2. ✔ Up to Six(6) Children. If between 18 to 25 years must be a full time student at a recognized education institution
  3. ✔ One (1) set of each parents and/or parents-in-law - Four (4) Parents maximum aged up to 80 years covered until 90