Solutions
Our SOLUTIONS
Comprehensive Solutions for Individuals and Businesses
INSURE
Personal Solutions
Business Solutions
Life Insurance
“Secure Their Future, Even When You're Not There”
Imagine a world where your loved ones can thrive, even in your absence. Life insurance isn’t just a policy; it’s a promise. Picture your family—your children pursuing their dreams, your spouse living comfortably, all because you took that essential step to secure their future. In a country where family bonds are at the heart of our culture, ensuring their financial stability means everything. Whether it’s education for your children or peace of mind for your partner, life insurance is your legacy of love. Don’t leave their future to chance. Invest in their tomorrow today.
Medical Insurance
“Your Health, Your Wealth: Protect What Matters Most”
When health challenges arise, the last thing you want is to worry about finances. Health insurance is more than just a safety net; it’s a lifeline that allows you to focus on recovery instead of bills. Picture yourself in a hospital, surrounded by caring professionals, knowing that your treatment is fully covered. Feel the relief of knowing you can seek the best healthcare without financial strain, allowing you to return to your loved ones stronger than ever. Health insurance means peace of mind for you and your family—because your health should never be compromised by costs.
Personal Accident Cover
Provides compensation in the event of accidental injury, disability, or death. Whether at work, at home, or in transit, this cover gives you peace of mind by protecting your income and well-being.
Critical Illness Cover
Get financial support upon diagnosis of a serious illness such as cancer, stroke, or heart disease. This lump sum benefit allows you to focus on recovery without worrying about medical bills or loss of income.
Funeral Cover
Ease the financial burden on your family during a difficult time. Our funeral cover provides immediate financial assistance to cater for funeral and burial expenses, ensuring a dignified send-off.
Motor Private Insurance
Comprehensive and third-party coverage for private vehicles, protecting against accidents, theft, fire, and third-party liabilities. We offer fast claims processing and optional extras like windscreen cover and roadside assistance.
Home Insurance
Protect your home and belongings from fire, burglary, floods, and other risks. Whether you’re a homeowner or tenant, our plans cover both the structure and valuable contents inside your home.
Travel Insurance
Stay protected while traveling locally or abroad. Coverage includes medical emergencies, trip cancellations, lost luggage, and personal liability, ensuring a stress-free journey.
Fire & Burglary Insurance
This plan offers protection for residential or commercial property against fire, attempted break-ins, and burglary. Ideal for safeguarding business premises or valuable household items.
Goods in Transit
Covers your goods against loss, theft, or damage while in transit – whether by road, rail, sea, or air. Perfect for manufacturers, suppliers, and distributors.
Crop & Livestock Insurance
Designed for farmers and agribusinesses, this cover protects against natural disasters, pests, diseases, and other risks that threaten agricultural output or animal stock.
Professional Indemnity
Shield yourself or your firm from legal claims arising from professional negligence, errors, or omissions. This is essential for professionals in law, healthcare, engineering, consultancy, and finance.
Golfers Insurance
Enjoy your game without worry. This policy covers loss or damage to golf equipment, personal injury, and even hole-in-one celebrations, giving golfers peace of mind on and off the course.
Pet Insurance
Protect your furry companions with coverage for vet bills, surgeries, vaccinations, and unexpected illness or accidents. Pet insurance helps you give them the best care without financial strain.
Fire & Perils Insurance
“From Ashes to Renewal: Protect What Matters Most”
A fire can change everything in an instant, turning cherished memories and hard-earned possessions into ashes. Your home, your business—these are the places where dreams are nurtured and lives are built. Fire insurance is your safeguard against the unpredictable, ensuring that even in the darkest moments, you can rise again. For business owners, this insurance means you can safeguard your hard-earned investment, ensuring your doors stay open even in the face of adversity. Protect what you cherish and regain your footing, no matter what life throws at you.
Group Life Insurance
“Caring for Your Team: Secure Their Future with Group Life Insurance”
In every successful organization, the heartbeat is its people—the team that pours their passion and dedication into achieving a common goal. As a leader, you understand that their well-being is paramount to the success of your business. Group life insurance is more than just a policy; it’s a powerful way to show your commitment to their security and peace of mind.
Group Medical Insurance
Tailored healthcare coverage for employees and their dependents. Promotes a healthy workforce and reduces out-of-pocket expenses.
Group Funeral Cover
Provides prompt financial assistance to cover funeral expenses for employees or their dependents.
Group Personal Accident
Covers accidental injuries or death of employees both on and off duty, offering lump sum and medical benefits.
Workers Injury Benefit Act (WIBA):
Mandatory coverage providing compensation for work-related injuries, illness, or death, in compliance with Kenyan labor laws.
Motor Commercial Insurance
Covers personal vehicles against accidents, theft, fire, and third-party liabilities – ensuring full protection on the road.
Business Interruption Insurance
Compensates for lost income and additional expenses incurred due to disruptions from insured events like fire or floods.
Burglary/Theft Insurance
Offers protection against loss or damage due to burglary or theft, safeguarding your business assets.
Goods in Transit
Covers loss or damage to goods during local or international transportation by land, sea, or air.
Marine Insurance
Covers cargo and vessels from risks like piracy, storms, or accidents while in transit across oceans.
Contractor-All-Risk Insurance
Covers construction projects against accidental damage to works, plant, equipment, and third-party claims during the construction phase.
Engineering Insurance
Covers loss or damage to engineering equipment, construction machinery, and industrial plants – including machinery breakdowns.
Liability Insurance
Protects businesses from legal liabilities arising from bodily injury, property damage, or other third-party claims.
Professional Indemnity
Essential for professionals and consultants, this policy covers legal costs and damages arising from professional negligence or errors.
Plate Glass Cover
Insures fixed glass installations in commercial buildings and retail shops against accidental breakage.
Bonds
Guarantees performance, payment, or compliance in contractual obligations. Ideal for contractors, suppliers, and service providers.
Aviation Insurance
Covers aircraft hull, crew, passengers, third-party liability, and aviation-specific risks for private and commercial operators.
Cyber Insurance
Protects businesses from losses due to cyberattacks, data breaches, or other digital threats – essential in today’s digital age.
Political Violence & Terrorism Insurance
Covers physical loss, damage, or business interruption caused by political unrest, riots, terrorism, or sabotage.
INVEST
Personal Solutions
Business Solutions
Unit Trust Funds
“Grow Together, Prosper for Life”
Unit Trust Funds are collective investment schemes that pool money from multiple investors to invest in a diversified portfolio of securities such as stocks, bonds, and money market instruments. These funds offer an affordable and flexible way to grow your wealth while minimizing risk through diversification.
Wealth Management
“Strategic Wealth for a Lifetime and Beyond”
Our Wealth Management service offers personalized financial planning and investment strategies tailored to your goals. Whether you're growing your assets, planning for retirement, or preserving wealth for future generations, we help you make informed decisions to secure your financial future.
Personal Investment Plans
We offer personalized investment plans tailored to your financial goals and risk profile. Whether you're saving for a major life event or building long-term wealth, our plans provide a disciplined and diversified approach to help you grow your money over time.
Fixed Income & Capital Growth Products
Our fixed income and capital growth products are designed for investors seeking steady returns or long-term appreciation. From low-risk bonds to diversified growth portfolios, we offer products that align with your income needs and financial aspirations.
Education Savings Plans
With flexible contribution options and potential investment growth, we help you give your child uninterrupted access to quality education – from kindergarten to university.
Endowment & Gratuity Funds
“Plan Today for Tomorrow’s Obligations”
These structured funds help employers and institutions plan for future obligations such as employee gratuities, severance pay, or long-term financial commitments. They offer disciplined savings with investment growth to meet predictable or one-off financial liabilities.
Capital Preservation Funds
“Steady Growth. Zero Compromise on Safety.”
These funds are designed for conservative investors who prioritize the safety of their capital over high returns. They aim to preserve the principal amount invested while generating modest, steady income—ideal for short-term goals or low-risk tolerance.
Corporate Investment Advisory & Management
We assist businesses in making informed financial decisions through investment advisory, risk profiling, and portfolio management, aligning financial strategies with business goals for sustainable growth.
Cash Management Solutions
Our cash management services help organizations optimize liquidity through secure cash flow planning, collection solutions, and payment systems, allowing better control over day-to-day financial operations.
PENSIONS
Personal Solutions
Business Solutions
Individual Pension Plans
“Secure Your Retirement, One Contribution at a Time”
These are long-term savings plans designed for individuals who wish to build a secure retirement income independently. Whether you're self-employed or want to supplement your employer’s retirement scheme, our Individual Pension Plans help you save consistently and tax-efficiently for your retirement.
Income Drawdown Plans
“Freedom to Retire Your Way”
An Income Drawdown Plan allows retirees to receive regular income from their pension savings while the remaining funds continue to be invested. This flexible solution provides both income and the potential for growth during retirement, giving you more control over your post-retirement finances.
Annuities
Annuities provide guaranteed income for life or a set period, making them ideal for retirees or those seeking financial security in later life. We offer various annuity options to suit different payout preferences and retirement plans.
NSSF Tier II Solutions
“Smarter Retirement Benefits. Fully Compliant.”
We offer customized NSSF Tier II Solutions for employers seeking to contract out of the statutory pension contributions. These solutions provide better returns and more flexibility while remaining compliant with regulatory requirements and offering enhanced retirement benefits to employees.
Occupational Retirement Schemes
“Stronger Teams Start with Secure Futures”
Occupational Retirement Schemes are employer-sponsored pension plans that help employees save for retirement. We provide full management and administration services, ensuring regulatory compliance, fund performance, and tailored retirement planning for employees and employers alike.
Umbrella Retirement Benefits Schemes
We manage Umbrella Retirement Benefits Schemes that allow multiple employers to participate in a single, professionally managed pension plan. This option reduces administrative costs, enhances investment returns, and ensures compliance with regulatory standards, making it an ideal retirement savings solution for SMEs and larger enterprises alike.
Pension Scheme Administration & Consulting
Our pension scheme administration services ensure efficient management of retirement benefit plans, including member record-keeping, compliance, contributions tracking, and benefit payments. We also offer expert consulting to help employers design, implement, and optimize their employee retirement schemes in line with best practices and statutory requirements.
