DO YOU HAVE A PLAN?

  Life Insurance Isn’t Expensive: Here’s How You Can Get Affordable Coverage in Kenya. Many people believe life insurance is expensive, but this is a common misconception. Life insurance can be incredibly affordable, especially if you start early and make informed choices. For example, a healthy individual under 40 who doesn’t smoke can get a life cover for as little as  KES 3,000 per month , with a total payout of  KES 5 million  to protect their loved ones. Let’s break down what affects life insurance premiums and how you can get affordable coverage without sacrificing protection. What Affects Life Insurance Premiums? Several factors determine how much you’ll pay for life insurance. Understanding these can help you make smarter decisions: Age : The younger you are, the lower your premiums. Life insurance gets more expensive as you get older. Health Status and Medical History : Healthy individuals with no pre-existing conditions typically pay less. Life Habits : Non...

In the first week of this year, a friend reached out to me with an interesting request: “Can you meet with a group of my friends to talk about trust funds?” I happily agreed, and it turned out to be a powerful conversation. That reminded me of Leah, someone I met at an event a while back. Leah is a brilliant, middle-aged professional excelling in the corporate world. During our chat, we touched on income protection, savings, and future planning. While Leah was intrigued, she wasn’t ready to take action back then. She believed her employer had her covered. Fast forward to today, Leah is finally ready to make a change—and I applaud her for taking that step. Her hesitation is something I’ve seen in many people. It’s easy to trust that the benefits provided by your employer are enough. But here’s the truth: employment is not guaranteed forever. Companies can restructure, critical illnesses can arise, accidents can happen, and even retirement comes sooner than you think. Unfortunately, rel...