Our Level Term Assurance is a simple, flexible way to protect your loved ones. You choose the premium and duration, and in the unfortunate event of your passing, your nominated beneficiaries receive the full Sum Assured. Note that premiums are non-refundable if you outlive the policy term.

We also offer Value Added Term Assurance, which lets you save over a chosen term and get back your full premiums at the end. The Sum Assured is lower than Level Term, and it’s returned only if you’re alive when the term ends.

Immediate Payout:
Once your first premium is paid and your policy is active, your beneficiaries receive the full Sum Assured immediately in the event of your passing.

Affordable & Flexible:

Reduce your premiums to as low as KES 2,000 if your income changes.
Pay monthly, quarterly, or annually.

Pause & Resume (Re-Dating):
Life happens. Pause your policy if needed and restart later without extra fees. (One re-date allowed.)

Policy Loan:
After 36 months of contributions, borrow against your policy based on its value, not the Sum Assured.

Tax Advantages:

Tax-Free Payout: Your beneficiaries get the Sum Assured tax-free.
15% Tax Relief: Employees can claim this via HR; self-employed via KRA.

Secure Your Loved Ones’ Future:
Ensure your family maintains their quality of life by planning ahead. Consider estate planning or setting up a trust through our ICEA LION Milele Trust.