Life Insurance for Expats in Kenya

Often not. Employer cover is usually a multiple of salary, ends when your contract ends and may stop if you move. A personal international policy stays with you.

Each plan lists its exclusions. The usual ones are:

• Suicide in the first year, or two on some plans
• Death from a condition you did not disclose
• War or terrorism in countries your home government advises against visiting
• Death while living in or visiting a country the plan excludes
• Alcohol or drug misuse, and criminal acts

Read the country list and exclusions before you buy, and tell us about any risky job or travel.

Yes, with an Alien ID. Check the territorial terms: one Kenyan whole life plan does not pay for deaths outside Kenya of people who are not East African citizens.

An international plan carries on in most countries; check its list of excluded countries. A Kenyan plan may restrict cover abroad, so ask before you move.

Yes. The test is where the insured person lives, not their nationality, so cover on an expatriate living in Kenya is 'Kenya business'.

One international insurer publishes USD 68 a month for USD 650,000 of cover for a 40-year-old non-smoker living in Kenya (2025). Age, health, smoking, the sum and whether the premium is fixed or renewed yearly decide your price.

Often not: healthy applicants under about 50 asking for less than about USD 750,000 usually apply online with health questions only. Where a medical is needed, a qualified doctor in Nairobi can usually do it.