Frequently Ask Questions

Why is life insurance needed?

Life insurance cover is always needed for

  • Income continuation
  • Liability coverage
  • Asset building
  • Event funding
  • Health funding
  • Retirement planning

What are the benefits of saving in Life Assurance?

  • Protection and means of saving (provides financial protection and creates provision for education fund, pension fund, emergency fund for medical expenses that may be required.
  • Safety and level of risk
  • Liquidity
  • Return on investment
  • Tax benefit
  • Get your money back

Which are the available products?

  • Investment plans
  • Anticipated endowment plans
  • Endowment plans
  • Whole life plans
  • Term assurance plans
  • Group insurance plans
  • Individual pension plans

When do I receive the policy document?

It is given to you after we accept your proposal for insurance cover

How important is my policy document?

It would be referred to for various service requirements that you may have from time to time i.e

  • During the settlement of a claim
  • When applying for a loan on a policy
  • During the processing of different forms of endorsements (changes) as intimated by yourself.

So it's better to inform your spouse/parent /children as to where it is kept.

What is the importance of my policy number?

Since this is a unique identification that distinguishes your policy from other policies, always remember to quote it every time in your correspondence with us.

Where can I find the policy conditions?

It is available on the last pages of the policy document under condition and privileges.

What happens if I lose my policy document?

You must inform the company at the earliest through formal writing.

How and where can I pay my premium?

Premium can be paid to any of our branches countrywide near you and the payment can be inform of cheque, cash, bankers order and through your employer (check-off).

Which are the available modes of payments?

They are monthly, quarterly, half-yearly, and yearly.

What happens if I do not pay premiums within the grace period?

If premiums are not paid within the days of grace, the risk cover will be suspended and such policy will lapse, until the same is reinstated.

Can I get a loan on my policy?

Many of our plans would allow that provided the policy is in force, however there are some plans which do not have a provision for loan.

What if the unthinkable happens?

The intimation letter for death must emanate from the near and dear or the beneficiary.

Is there a tax benefit?

  • Yes…all those policies whose date of commencement is January 2003and over are entitled to a tax rebate of 15% of the annual premium up to a maximum of Kshs.60,000.00 provided the term is 10 years and above.
  • All the partial payments, maturities and any other form of claim are also paid tax-free.  These can change from time to time according to the laws of the land.
Through M-PESA you can now pay your Kenindia Individual Life Policy Renewal Premium.


  • Select M-PESA on your phone and press OK
  • Select Pay Bill then press OK
  • Enter 514600 as Business Number and Press OK
  • Enter Policy Number & Surname as Account Number and press OK
  • Enter Premium Amount and Press OK
  • Enter you M-PESA Pin and press OK

You will receive SMS Containing Amount Sent to Kenindia Assurance Co. Ltd


  • Ensure correct details are entered. Do not delegate remittance to ANY ONE ESLE.
  • Charges are levied to sender by Safaricom Ltd. From minimum Kshs. 20/- to Kshs. 30/-

NB: Kenindia does not take Responsibility for any Wrong Remittance.

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What our happy customers are saying

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Call: +254 111101000 / 600

Sophia Murage Mother

Thank you for taking great care of us, you and your team at Kenindia have been wonderful to work with.