Last Expense

Last Expense Cover

Dignity in life's most difficult moment. Without the financial burden.

In Kenya, funeral costs can reach KES 200,000 to 500,000 or more. Last Expense cover ensures your family isn't scrambling for money during their most painful time. Quick payouts, minimal paperwork, and dignity guaranteed.

Talk to a Private Advisor How It Works

Coverage Details

What's Covered

Funeral & Burial Costs

Coffin, hearse, burial plot, grave preparation, and all funeral service costs.

Body Transportation

Transportation of the deceased from hospital, mortuary, or place of death to burial site.

Mourning Expenses

Food, tents, chairs, and facilities to accommodate mourners during burial ceremonies.

Immediate Family Cover

Cover extends to spouse, children, and in some plans, parents and in-laws.

Quick Cash Payout

Claim paid within 48 hours, so your family has cash when they need it most, not weeks later.

No Medical Exam

Most last expense plans require no medical examination. Cover starts immediately.

Simple Process

How It Works

Enroll in Minutes

Fill out a simple form, no medical exam needed. Cover starts the same day for most applicants.

Add Your Family

List your spouse, children, parents, and in-laws. Each member is covered under one affordable premium.

Claim Paid in 48 Hours

When a covered member passes, submit a death certificate and we process your claim within 48 hours.

Common Questions

Frequently Asked

How much does last expense cover cost?

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.

How quickly is the claim paid?

We target 48 hours from receipt of a valid death certificate and claim form. M-Pesa payouts ensure cash reaches your family immediately.

Is there a waiting period?

There is typically a 6-month waiting period for natural death. Accidental death is covered from day one.

Can I add elderly parents who are in their 70s or 80s?

Yes, though premiums are higher for older family members. Maximum entry age varies by insurer, most go up to age 75 to 80.

What documents are needed to claim?

Certified copy of the death certificate, copy of the deceased's ID, claim form, and M-Pesa number or bank details for payment.

Across Kenya