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Dignity in life's most difficult moment. Without the financial burden.
Mufasa Insurance Agencies arranges last expense cover across Kwale County - Kwale, Diani / Ukunda, Msambweni, Lunga Lunga and every town in between. Kwale combines Diani's beach tourism with large-scale titanium mining at Base Titanium and a sizeable smallholder farming population. With commercial farming, lake fishing and tourism driving the local economy, the cover that makes sense here is specific to Kwale. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kwale Is Different
Life cover replaces income when the person earning it is gone. With commercial farming, lake fishing and tourism underpinning most households here, a policy sized at five to ten times annual income is what keeps school fees paid and land in the family.
Group life through a SACCO, cooperative or employer prices far below an individual policy, and many people in Kwale already have some cover they have forgotten about. We check what you hold before recommending you buy more.
The two things that delay a life claim are an out-of-date beneficiary nomination and undisclosed medical history at application. We handle both properly at the outset, and we help your family with the claim documentation when the time comes.
Coverage Details
Coffin, hearse, burial plot, grave preparation, and all funeral service costs.
Transportation of the deceased from hospital, mortuary, or place of death to burial site.
Food, tents, chairs, and facilities to accommodate mourners during burial ceremonies.
Cover extends to spouse, children, and in some plans, parents and in-laws.
Claim paid within 48 hours, so your family has cash when they need it most, not weeks later.
Most last expense plans require no medical examination. Cover starts immediately.
The Process
Fill out a simple form, no medical exam needed. Cover starts the same day for most applicants.
List your spouse, children, parents, and in-laws. Each member is covered under one affordable premium.
When a covered member passes, submit a death certificate and we process your claim within 48 hours.
Questions
Send us a WhatsApp message or call +254 117 435 865 with the basic details of what you need covered. We come back with quotes from several underwriters the same working day, you pick one, pay by M-Pesa or bank transfer, and we issue the documents. Nothing requires you to travel to Nairobi.
We are based in Runda, Nairobi and serve Kwale County remotely, which is how most insurance in Kenya is now arranged. Quotes, payment and document issue all happen by phone, WhatsApp and email. When there is a claim, assessors are appointed locally in Kwale.
Same day in most cases. Motor certificates, travel certificates and medical cover notes are issued electronically as soon as payment reflects, so you are covered before the documents reach your inbox.
Premiums start from as low as KES 500 per month for a family plan. The payout ranges from KES 50,000 to KES 500,000 depending on your chosen plan.
We target 48 hours from receipt of a valid death certificate and claim form. M-Pesa payouts ensure cash reaches your family immediately.
There is typically a 6-month waiting period for natural death. Accidental death is covered from day one.
Yes, though premiums are higher for older family members. Maximum entry age varies by insurer, most go up to age 75 to 80.
Certified copy of the death certificate, copy of the deceased's ID, claim form, and M-Pesa number or bank details for payment.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.