Group Last Expense Cover in Kenya: Secure a Dignified Farewell for Your Loved Ones
In Kenya, a dignified send-off is not just a tradition—it’s a profound cultural duty. Funerals bring families and communities together to honor loved ones, but the costs can be overwhelming, especially when loss comes suddenly. Too often, families scramble for funds or are forced into debt just to give their loved one a proper farewell.
The Group Last Expense Cover is designed to change this narrative—offering financial support, peace of mind, and cultural respect when it matters most. And now, you can access this essential cover easily through Step by Step Insurance, your trusted partner for tailored insurance solutions.
Key Takeaways
- Affordable funeral coverage starting from just KES 400 per year
- Comprehensive protection for your entire family (spouse, children, parents)
- Cash payment directly to beneficiaries for immediate support
- Coverage includes natural death, accidents, riots, and HIV-related causes
- Special options available for extended family members
- Easy group enrollment for Saccos, SMEs, and community organizations
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Join WhatsApp GroupThe Importance of Dignified, Culture-Respecting Burial Support
In Kenyan culture, a funeral is more than a ceremony; it’s a final act of love and respect. Yet, the financial burden of organizing a befitting send-off can be immense. Whether it’s the cost of a casket, transport, food, or burial site, funeral expenses can quickly add up, leaving families in distress. Group Last Expense Cover is a practical, compassionate solution that ensures families and communities can focus on mourning and remembrance, not on fundraising or financial worries.
What Is Group Last Expense Cover?
Group Last Expense Cover is a group funeral insurance policy that pays out a cash benefit to help cover funeral expenses following the natural or accidental death of a covered member. This cover is not limited to old age; it extends to deaths caused by illness, accidents, riots, and even HIV-related complications.
Key Features:
- Cash payment for funeral expenses, paid directly to the nominated beneficiary
- Coverage for natural and accidental death, including riots and HIV
- Annual renewable term—the policy is reviewed and renewed each year
- Accessible through Step by Step Insurance for a seamless, personalized experience
Who Qualifies for the Cover?
Nuclear Family Cover
| Member | Entry Age | Exit Age | Benefit Cap |
|---|---|---|---|
| Principal Member/Spouse | 18–70 years | 80 years (extendable to 85/90) | KES 50,000-500,000 |
| Children | 1 month | 18 years (25 if in school) | KES 100,000 |
Extended Family Cover
| Member | Entry Age | Exit Age | Benefit Cap |
|---|---|---|---|
| Parents/Parents-in-law | Up to 75 years | 80, 85, or 90 years | 50% of principal’s benefit (max KES 200,000) |
Group Requirements
- Minimum of 10 principal members required to join
- Groups with less than 100 principal members can select from the first two benefit options
- Larger groups can access all six options
- The policy owner must be a member or employee of the group
- Ideal for registered groups: SMEs, Saccos, microfinance institutions, investment groups, and community organizations
Step by Step Insurance will guide your group through eligibility, ensuring you maximize your benefits and meet all requirements.
Key Benefits and Features
Comprehensive Family Coverage
The cover is designed to reflect the communal nature of Kenyan society, including the principal, spouse, up to four children, and both sets of parents (or parents-in-law). You can also add extra children for a small additional premium.
Cash Payment for Funeral Expenses
A lump sum is paid to the beneficiary, providing immediate support at a critical time. This ensures that families can organize a dignified send-off without delay or financial strain.
Annual Renewable Term
The cover runs for a year and can be renewed, offering flexibility as your family or group’s needs change.
Waiting Periods
| Coverage Type | Waiting Period |
|---|---|
| Accidental death | No waiting period—cover is immediate |
| Natural death (principal, spouse, children) | 1-month waiting period |
| Natural death (parents and parents-in-law) | 3 months waiting period |
Inclusive Coverage
The policy extends to deaths resulting from riots and HIV-related causes, addressing real risks that Kenyan families face today.
Benefit and Premium Options
Group Last Expense Cover provides a range of benefit and premium options, so your group can select what fits your needs and budget. Find the most affordable options starting from KES 400 per year.
Nuclear Family Cover
Six benefit options are available, with the principal and spouse eligible for between KES 50,000 and KES 500,000. Children are covered up to KES 100,000 each (maximum of four children).
| Benefit Amount | Single Claim Premium | Multiple Claim Premium |
|---|---|---|
| KES 50,000 | KES 400 | KES 500 |
| KES 100,000 | KES 700 | KES 900 |
| KES 200,000 | KES 1,100 | KES 1,400 |
| KES 300,000 | KES 1,800 | KES 2,300 |
| KES 400,000 | KES 2,100 | KES 2,700 |
| KES 500,000 | KES 2,300 | KES 3,000 |
Extended Family Cover
Parents and parents-in-law are eligible for up to 50% of the principal’s benefit (capped at KES 200,000). Six benefit options are available, with premiums adjusted accordingly.
| Benefit Amount | Single Claim Premium (Exit Age 80) | Single Claim Premium (Exit Age 90) |
|---|---|---|
| KES 50,000 | KES 1,100 | KES 2,000 |
| KES 100,000 | KES 2,200 | KES 4,000 |
| KES 200,000 | KES 3,700 | KES 6,800 |
| KES 300,000 | KES 5,600 | KES 10,200 |
| KES 400,000 | KES 7,000 | KES 12,700 |
| KES 500,000 | KES 8,200 | KES 14,900 |
Increased Exit Age Options
For families with elderly parents, the cover can be extended up to exit ages of 85 or 90 years. Premiums are slightly higher, but this ensures coverage for older family members who might otherwise be excluded.
How to Apply Through Step by Step Insurance
Applying for Group Last Expense Cover is simple and hassle-free with Step by Step Insurance as your guide:
Application Process
- Group Application Form: The group official or employer fills out a standard application form, available directly from Step by Step Insurance.
- Member Data Submission: Each member’s details are submitted using a template provided by Step by Step Insurance or through a secure online link.
- Choose Your Options: With expert advice, select the benefit and premium options that best fit your group’s needs and budget.
- Submission and Processing: Step by Step Insurance handles all paperwork, liaises with the insurer, and keeps you updated throughout the process.
- Ongoing Support: From renewals to adding new members, Step by Step Insurance remains your partner for all policy management needs.
How to Claim
When the time comes, Step by Step Insurance ensures the claims process is smooth, compassionate, and efficient:
Claims Process
- Complete the Claim Form: Obtain and fill out the official claim form with the help of your Step by Step Insurance advisor.
- Attach Required Documents:
- Copy of ID or birth certificate for children (of the deceased)
- Copy of the burial permit or death certificate
- ID copy of the beneficiary
- Police abstract (in case of accidental death)
- Submit the Claim: Hand over the documents to Step by Step Insurance, who will submit and follow up with the insurer on your behalf.
Important Notes:
- The nominated beneficiary must be over 18 years of age
- All claims are regulated by the Insurance Regulatory Authority, ensuring transparency and fairness
With Step by Step Insurance, you never have to navigate the process alone. Our team is dedicated to supporting you every step of the way, so you can focus on what truly matters.
Why Choose Step by Step Insurance?
- Personalized Guidance: We take time to understand your group’s unique needs and recommend the best options.
- Seamless Process: From application to claims, we handle the paperwork and follow-up, saving you time and stress.
- Ongoing Partnership: As your group grows or changes, we help you update your cover and keep your protection current.
- Trusted Expertise: With years of experience in the Kenyan insurance market, we ensure you get reliable, transparent, and culturally sensitive service.
Contact Step by Step Insurance
Ready to secure your family’s future? Get in touch with our insurance experts today!
Email Us
info@stepbystepinsurance.co.keConclusion: Secure Dignity and Peace of Mind for Your Loved Ones
A dignified farewell is a final act of love and respect. With Group Last Expense Cover, Kenyan families and communities can uphold their traditions without fear of financial ruin. Whether you’re part of a Sacco, microfinance group, SME, or extended family, this cover offers peace of mind, immediate support, and the ability to focus on honoring your loved one’s life and legacy.
Don’t leave your family unprepared. Reach out to Step by Step Insurance today and let us help you secure a Group Last Expense Cover that fits your needs. In times of grief, let financial worries be the last thing on your mind—give your loved ones the send-off they deserve.
Useful Resources
External Resources
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