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Britam Life Assurance

Tegemeo Term Assurance

Life cover only · Regulated by the RBA

Life cover for a set number of years. If you die within the term, Britam pays your family. If you do not, the cover simply ends.

Hear when this changes

The details that matter for this kind of plan

Cheapest cover published
KES 3,000 a month buys KES 3m of cover
How long you can take it for
5, 10, 15 or 20 years
If you skip the medical
Full cover waits 12 months
If you die in that period
Your premiums come back, with no interest
Late payment
30 days grace from the due date

How to open this

  • then KES 3,000 a month

What if you stop paying?

You have 30 days from the due date to pay. Miss that and the cover can lapse, and nothing comes back.

What if you need the money early?

There is nothing to withdraw. This is cover, not savings, and it builds up no value.

Who this suits

It could work for you if

People depend on your income and you want the most cover for the least money.

Think twice if

You want money back at the end. If you live through the term you get nothing.

What they tell you

  • What is the smallest amount you can start with?
    KES 3,000.
  • Do they say who regulates them?
    Yes — the RBA. That is who you complain to.

Talk to them

Compared with the others

There are 6 other plans of this kind on the board. See all 7 side by side — what each one leaves you with, and which of them will not say.

Where we got this