Men Lie. Women Lie.
Numbers Don't.

An endowment policy combines protection and saving in one plan. You pay premiums for a fixed term, for example 20 years. If you pass away before the term ends, your named beneficiary receives the full sum assured. If you survive to maturity, you receive a lump sum made up of the sum assured plus accrued bonuses. Endowments build savings discipline, earn bonuses that help offset inflation, and acquire a surrender value after about three years. They are ideal for medium-to-long-term goals such as buying property, starting a project, or building a guaranteed nest egg, with maturity benefits that are currently tax-free in Kenya.

An education policy is a special endowment designed to guarantee your child's schooling, from primary all the way to university. You save through regular premiums that grow with annual and terminal bonuses, and the plan pays out guaranteed lump sums at key education stages. Crucially, it has built-in life cover: if anything happens to you, the plan continues and your child's education is still fully funded. Payments are flexible (monthly, quarterly or annually), maturity benefits are currently tax-free, and many plans require no medical exam for modest cover amounts. It is the disciplined way to make sure school fees are never in doubt.

Keyman (or key-person) cover protects a business against the financial loss that would follow the death or disability of a key individual, an owner, partner, or essential employee whose skills, relationships or leadership drive revenue. The business takes out and pays for the policy on that person's life, and receives the payout to cushion the disruption: covering lost income, recruiting and training a replacement, settling debts, or reassuring lenders and partners. For many SMEs, the founder is the business; keyman cover ensures the company can survive a sudden loss rather than collapse with it.

Whole life cover protects you for your entire life rather than a fixed term, paying a guaranteed lump sum to your beneficiaries whenever you pass on (some plans run to a set age such as 65, paying you if you survive to maturity). With critical illness and disability riders added, the policy also pays out while you are still alive if you are diagnosed with a serious illness or become permanently disabled, giving you funds for treatment and to replace lost income. It is the cornerstone of legacy planning: certain protection for your family, plus living benefits when you need them most.

Term assurance is pure, affordable protection for a defined period, typically 10 to 25 years. If you pass away within the term, your beneficiaries receive the full sum assured; if you outlive the term, the cover simply ends with no payout. Because there is no savings component, term cover gives you the largest amount of protection for the lowest premium, making it perfect for covering a specific responsibility: a mortgage, a loan, or your family's income during your working and child-raising years. It is the most cost-effective way to make sure your dependants are protected if the worst happens.

A life savings plan blends modest life protection with a structured, goal-based savings vehicle. You commit to regular premiums, and the plan accumulates value over time with bonuses or interest, while a life cover element protects the goal if you pass away before reaching it. It instils savings discipline, helps you accumulate towards a defined target such as a deposit, a wedding, or a business, and provides a tax-friendly, professionally managed alternative to leaving money idle. Ideal for anyone who wants to save consistently while keeping a layer of protection around their plan.

Motor insurance protects you against the financial cost of accidents, theft, fire and damage involving your vehicle, and against claims from other road users. By law (Cap 405 of the Traffic Act), every vehicle on a Kenyan public road must carry at least third-party cover. We help you choose the right level and structure for how you use your vehicle.

The three main types of motor cover:

Who & what we cover:

Home insurance protects your most valuable asset and everything inside it. It combines cover for the building structure and your household contents against risks like fire, theft, flood and accidental damage, and typically covers domestic workers against injury in the course of employment. It also protects you against third-party liability if a visitor is injured or their property is damaged at your home. It can be taken by a homeowner, a landlord, or a tenant (for contents). It turns a potential catastrophe, a fire or burglary, into a manageable claim rather than a devastating loss.

Medical insurance protects you and your family from the high cost of healthcare. It covers treatment when you fall ill or are injured — typically including inpatient (hospital admission, surgery, and accommodation) and optional outpatient (clinic visits, consultations, prescribed medicine and diagnostics), and can be extended to include maternity, dental and optical. Cover can be taken individually, for your family, or as a group scheme for a business and its employees. With healthcare costs rising, a medical plan means a serious illness or hospital stay becomes a manageable claim rather than a financial crisis, giving you access to quality care without draining your savings.

Personal accident cover pays out if you suffer injury, disability, or death as a result of an accident. It typically provides compensation for medical expenses, a lump sum for permanent disability, and a death benefit to your family, plus in some cases an income replacement while you recover. It is affordable and can be bought standalone or added to a motor policy (since drivers are not covered by standard motor insurance). It is a sensible safety net for anyone, especially drivers, frequent travellers, and breadwinners whose income would stop if an accident kept them from working.

Business insurance is a suite of covers that protects a company's people, property and operations. It can include fire and perils on premises and stock, burglary, public and product liability, professional indemnity, employer's liability and WIBA (work injury benefits), goods in transit, money, fidelity guarantee, and business interruption that replaces lost income after an insured event. We assess your specific industry and risks and assemble the right combination so a single fire, theft, lawsuit, or accident does not threaten the survival of the business. Essential for SMEs, professionals, retailers, and manufacturers alike.

Aviation insurance covers aircraft and the unique liabilities of operating them. It typically includes hull cover for physical loss or damage to the aircraft (in flight, taxiing, or on the ground), passenger and third-party liability, and cover for crew and cargo as required. It serves private owners, charter operators, flight schools and commercial fleets. Because aviation risk is highly specialised, cover is structured around the specific aircraft, its use, routes, and pilot experience. We work with specialist underwriters to place the right programme so owners and operators meet regulatory requirements and are protected against high-value exposures.

Special or specialist insurance covers risks that fall outside standard policies and need bespoke underwriting. This includes things like marine cargo, contractors' all risks and engineering, professional indemnity for specific fields, events and exhibitions, fine art and valuables, agriculture and livestock, and other niche or high-value exposures. Rather than forcing your risk into an off-the-shelf product, we assess exactly what needs protecting and arrange tailored cover with the right underwriters. If you have an unusual asset, project, or liability and aren't sure it can be insured, this is where to start.

Pet insurance helps you manage the cost of caring for your dog, cat, or other companion animal. Depending on the plan it covers veterinary treatment for accidents and illness, surgery and hospitalisation, and may include third-party liability if your pet injures someone or damages property. It means you can say yes to the treatment your pet needs without the vet bill dictating the decision. Ideal for owners who want predictable pet-care costs and peace of mind that an unexpected illness or accident won't become a financial strain.

Gadget insurance protects your valuable electronics, smartphones, laptops, tablets, cameras and similar devices, against accidental damage, liquid damage, theft, and sometimes mechanical breakdown outside warranty. Given how much we rely on these devices and how expensive they are to repair or replace, a small premium turns a cracked screen or stolen phone into a quick claim rather than an unplanned cost. Cover can extend to worldwide use, so your devices are protected while you travel. Ideal for professionals, students, and anyone whose work or life depends on their gadgets.

Travel insurance protects you against the things that can go wrong on a trip. It typically covers emergency medical treatment and evacuation abroad, trip cancellation or curtailment, lost or delayed baggage, flight delays, and personal liability while travelling. Many visa applications (such as Schengen) require it. Whether you are travelling for business, study, or holiday, it means an illness, accident, or disruption far from home becomes a supported claim rather than a crisis. We match the cover to your destination, trip length, and activities, with single-trip or annual multi-trip options.

Short term policies provide cover for a brief, defined period rather than a full year, useful when your need is temporary. Examples include short-period motor cover, single-trip travel, event or exhibition cover, contractors' cover for a specific project, or bridging cover while you arrange a longer policy. You pay only for the period you actually need, which keeps it cost-effective for one-off situations. We help you choose the right short-term product and ensure there are no gaps between covers so you are never unintentionally exposed.

Treasury Bonds and Bills are loans you give to the Government of Kenya through the Central Bank (CBK). Bills are short-term (91, 182 or 364 days) and are bought at a discount, while bonds run from 2 up to 30 years and pay you fixed interest every six months until they mature and your capital is returned. They are among the safest investments available because they are government-backed. You invest from a minimum of KES 50,000 (or as little as KES 3,000 through the M-Akiba mobile platform) and need a CDS account with the CBK. Recent T-Bill yields have ranged roughly 12–16% and bonds up to about 13%, with interest taxed at a reduced withholding rate. Ideal for safety-focused investors who want predictable, government-guaranteed income.

A Money Market Fund is a regulated unit trust that pools investors' money and invests it in short-term, interest-earning instruments like Treasury bills, fixed bank deposits and high-quality commercial paper. Think of it as a smart savings tool: safer than chasing hype, more rewarding than idle cash in a bank, and liquid enough for real life, with withdrawals usually processed within 1–3 working days. You can start with as little as KES 100, your interest accrues daily, and the fund is regulated by the Capital Markets Authority (CMA). Returns move with interest rates; in early 2026 most funds settled below 10% net after the 15% withholding tax, down from the 15–18% of prior years. Best used for your emergency fund and short-term goals.

An Equity Fund invests mainly in shares of companies listed on the Nairobi Securities Exchange (NSE), aiming for higher returns over the medium to long term through capital growth and dividends. Because the value rises and falls with the stock market, it carries a medium-to-high risk level and short-term volatility, but historically equities outperform fixed income over long horizons. It suits investors with a higher risk appetite and goals that are several years away, such as long-term wealth building or generational planning. A small portion is usually kept in liquid assets so the fund can meet withdrawals without selling at a loss.

A Balanced Fund (sometimes called a Growth Fund) blends both equities and fixed-income securities in one portfolio. The aim is to offer reasonable current income together with long-term capital growth, while diversification cushions some of the downside risk. This gives a middle-ground risk-reward profile, making it a natural choice for investors who want growth but aren't comfortable with a pure stock fund, or those transitioning from conservative to growth-oriented investing. You get a professionally managed mix without having to juggle separate equity and bond allocations yourself.

A Fixed Income Fund (also called a Bond Fund) invests in a diversified portfolio of interest-bearing securities: Treasury bills and bonds, corporate bonds, preference shares and other approved instruments. Its goal is a steady, regular income stream and stability of your capital rather than aggressive growth. It is relatively lower risk than equity or balanced funds, making it well suited to risk-averse investors seeking dependable income, or anyone wanting a safe haven during periods of stock-market instability. A practical building block for retirees and conservative savers.

A Multi-Strategy Bond Fund actively manages a mix of fixed-income strategies across Kenyan and East African government securities, corporate bonds and other debt instruments, rather than tracking a single approach. By moving between short- and long-term securities and high-yield opportunities, the manager aims to deliver stronger, more resilient returns than a plain bond fund while still being anchored in fixed income. These funds typically target moderate to aggressive investors who want bond-style income with more active management, and may carry slightly longer settlement or lock-in periods in exchange for the higher yield potential.

Special Funds are a flexible, CMA-regulated category that faces fewer investment restrictions than traditional unit trusts, allowing managers to pursue sophisticated, actively managed multi-asset strategies, often investing globally across equities, bonds, derivatives and commodities. Some use long/short trading models designed to generate returns in all market conditions. Kenya's best-known example has delivered around 20% net in a recent year. They are one of the fastest-growing segments of the market but typically suit medium-to-high-risk investors who can accept a lock-in period (often six months) in exchange for higher return potential. Always confirm the fund is CMA-licensed before investing.

Real estate investment means putting your money into property, residential or commercial, for rental income, capital appreciation, or both. In Kenya you can own property directly, or invest indirectly through Real Estate Investment Trusts (REITs) and development funds that let you participate with smaller amounts. Property is a popular long-term store of value and a hedge against inflation, though it is less liquid than funds and requires careful due diligence on location, title and management. It works well for investors with a long horizon who want a tangible, income-generating asset in their portfolio.

Buying stocks means owning shares directly in companies listed on the Nairobi Securities Exchange, giving you a stake in the business and a share of profits through dividends and price growth. You trade through a licensed stockbroker and need a CDS account. Stocks offer strong long-term growth potential but come with higher volatility, so prices can swing in the short term. They suit hands-on investors willing to research companies and hold through market cycles. For those who prefer professional management and instant diversification, an Equity Fund offers exposure to the same market without picking individual shares.

Forex (foreign exchange) trading involves buying and selling currency pairs to profit from changes in exchange rates. In Kenya, online forex trading is regulated by the CMA, and you should only trade through a CMA-licensed broker. It is a high-risk, fast-moving market where it is possible to lose money quickly, so it demands education, discipline and risk management, never money you cannot afford to lose. The CMA has repeatedly warned the public against unlicensed forex schemes, which offer no recourse if things go wrong. Approached carefully and with proper guidance, forex can diversify a portfolio and offer protection against currency volatility.

Private Wealth Management is a personalised, professionally managed service for individuals and families with larger portfolios who want a tailored strategy rather than an off-the-shelf fund. It typically combines investment management across multiple asset classes with financial, tax, retirement and estate planning, all coordinated around your specific goals and risk profile. A dedicated advisor builds and rebalances your portfolio, gives ongoing advice, and helps preserve and grow wealth across generations. It is best suited to high-net-worth clients who value bespoke strategy, discretion and a single point of contact for their entire financial picture.

Cryptocurrency refers to digital assets such as Bitcoin and Ethereum that trade on online exchanges. They have attracted strong interest in Kenya for their high return potential, but they are extremely volatile and prices can rise or fall dramatically in short periods. Regulation is still evolving, and the CMA has warned the public against unlicensed crypto investment schemes, which carry a high risk of fraud and offer little recourse for losses. If you choose to invest, treat it as a small, speculative portion of a diversified portfolio, use reputable platforms, and never commit money you cannot afford to lose. Education and caution are essential.