• It is a cover arranged by the employer for employees
• Benefits are in multiples of annual salary or a fixed amount
• Premium is charged at a rate per 1000 coverage OR age based rate
• Covers death from illness and accidental causes
• A master policy is issued in favor of the Company
• Eligibility start from 18 – 65 years
• Last expense cover can be extended to include spouses and children
• Critical illness and Permanent Total Disability are subject to new diagnosis and waiting period of 6 months.
• Members are required to complete Group Life application form
• Members whose sum assured is over the FCL will be required to go for medical tests
• Medical examinations are done in any of our appointed service provider at a cost borne by Kenindia Assurance Company
• All members will be covered up to FCL limit until medical test and additional underwriting requirements are completed.

1. The Company will continue to attract and retain high calibre staff. Hence achieve high staff retention that will minimize costs relating to frequent hiring.
2. The Company will gain mileage in reputation by the society given that the affected employee’s family financial future will be secured through the payment of the benefits in case of demise.
3. Group life cover provides peace of mind and reassurance to employees who will perceive a sense of belonging and gives back dedication and increased input in performance in return.  
4. The Company will most importantly get a tax relieve from a reduced taxable amount. Total premium amount is treated as an expense and is netted off before tax is applied.
5. Claim benefits are payable in full amounts and are therefore not taxed

• Maintain updated member records on an ongoing basis
• Ensure timely payment of claims within 10 working days
• Initiate renewal process 60 days before next renewal date
• Facilitate for regular service meetings
• Undertake technical and administrative aspects of the scheme
• Train and assist members on scheme information

No benefits for a Life Assured under this policy shall be payable by the Company in the event of death as a result of:-

1. The Life Assured engaging in aviation other than as a fare-paying passenger on a schedule route of a recognized Airline except if the Life Assured’s normal course of duty involves handling of an Aircraft operated by a regular Air Line or established Charter Service.
2. The Life Assured is engaging in mountaineering necessitating the use of ropes or guides
   except when done while the Life Assured is on duty. Winter Sports, Big Game Shooting or riding or driving in any kind of race or motorcycling.
3. The life assured being under the influence of alcohol or illegal drugs, narcotics and any other substance medically determined as harmful to one’s health.
4. The Life Assured engaging in motor cycling race, polo racing on horseback or on wheels, winter sports except where the Life Assured is cycling a motor cycle whose engine capacity is not more than 500cc.
5. The Life Assured participating in war, invasion, act of foreign enemy, hostilities or warlike
   operations whether war be declared or not.
6. Active participation in Mutiny, riot, strikes, military or popular uprising, insurrection,
   rebellion, revolution, military or usurped power, martial law or stage of siege or any of the events or causes which determine the proclamation or maintenance of martial law or stage of siege
7. Self-inflicted injury deliberately caused by the member’s application of medications unless
   administered by or taken in accordance with the directions of a member of the medical profession

• for quotation:
• Names of the employees, occupation and payroll numbers
• Date of birth and ages (next birth day)
• Monthly or annual basic salary for each employee
• Amount of cover required
• Preferred riders
• for effecting cover:
• Communicate on commencement date
• A list of employees to be covered and salaries
• Submission of filled proposal forms
• Certificate of Incorporation
• PIN Certificate
• Full payment of premium

We are providing group life insurance to our esteemed customer base who range widely in scope, size, and sector. Here below are some amongst the many valued clients.

• Kisii County Government
• Sarova Hotels
• M-Oriental Bank
• ASP Company
• Phillips Pharmaceauticals
• Wartsila
• General Printers
• Bank of India