Life Insurance for Kenyans Abroad and Expats in Kenya

Kenyan insurers sell diaspora funeral and return-ticket plans to Kenyans abroad, and some accept applications for shilling cover from abroad. Check whether the plan pays if you die outside Kenya and how premiums are paid. We find the plans that accept you.

Each policy lists its own exclusions. The usual ones on Kenyan plans are:

• Suicide in the first two years (some plans list it with no time limit)
• Death from a health condition you did not disclose when you applied
• Death while committing a crime, or from deliberate drug or alcohol abuse
• War, terrorism or riot when you take an active part
• Hazardous sports and private flying, unless the insurer agreed to cover them
• Natural-cause death during a waiting period, where the plan has one
• Any death after the policy has lapsed for unpaid premiums

Read the exclusions page of your policy, and tell us about any risky job or hobby before you apply.

Yes. Foreign nationals resident in Kenya with an Alien ID can buy cover such as Britam's term and whole life plans. Check the territorial terms: Britam's Whole Life does not pay for deaths outside Kenya of non-East African citizens.

Kenyan insurance placed with an insurer that is not licensed in Kenya needs the Commissioner of Insurance's prior written approval. An offshore policy is also outside the Policyholders Compensation Fund and does not qualify for insurance relief. Naveah arranges cover only with IRA-licensed insurers.

Match the currency to what the money will pay for. If it will pay school fees, a loan or living costs in Kenya, a shilling policy pays in the currency of those costs. The shilling has moved a lot against the dollar since 2016, which matters if your family's costs are abroad.

Your nominated beneficiary in Kenya claims with the policy, death certificate and IDs. A death abroad needs the foreign death certificate and the embassy's notification. We help your family put the documents together.