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Britam Life Assurance

Dhamana

Savings plan with life cover · Regulated by the RBA

At least
5% a year
their figure, basis not stated

A savings plan with life cover. Britam promises at least 5% a year while you keep paying, and pays your family if you die.

Hear when this changes

The details that matter for this kind of plan

What is guaranteed
5% a year on continuing policies
Smallest payment
KES 1,000 a month, no maximum
How long it runs
Strictly 15 years
Who can join
18 to 60, covered to 75
Borrowing against it
A policy loan after 3 years
Missing a payment
Premium holidays are allowed

How to open this

  • then KES 1,000 a month

What if you stop paying?

You may take a break. Britam allows premium holidays when money is short.

What if you need the money early?

The plan runs 15 years. After 3 years you can borrow against it instead of cashing it in.

Who this suits

It could work for you if

You want a floor under your savings and cover for your family in one plan.

Think twice if

You need the money back sooner. The term is fixed at 15 years.

What they tell you

  • What is the smallest amount you can start with?
    KES 1,000.
  • Do they say who regulates them?
    Yes — the RBA. That is who you complain to.

Talk to them

Compared with the others

There are 13 other plans of this kind on the board. See all 14 side by side — what each one leaves you with, and which of them will not say.

How current is this rate?

The 5% on this page is the rate Britam Life Assurance guaranteed, as at 2026-08-28 — 2 months old.

The least Britam will credit on a policy that keeps running. It does not publish what it has actually paid.

Where we got this