PesaGuide
← All plans
Kenindia Assurance

Anticipated Whole Life

Life cover with savings · Regulated by the IRA

Life cover that lasts for life rather than for a set term, with a value that builds inside it.

Hear when this changes

The details that matter for this kind of plan

How it pays out
In instalments during the term, then 50% and a bonus at the end
On a 9-year plan
25% in year 3, 25% in year 6, 50% and bonus in year 9
On a 25-year plan
15% four times, then 40% and bonus at the end

What if you stop paying?

The insurer does not publish what happens if you stop. Ask before you sign.

What if you need the money early?

No surrender value is published. Ask what you would get back.

Who this suits

It could work for you if

You want to leave something behind whenever you die, not only within a term.

Think twice if

You want the cheapest cover. Term life costs less for the same payout.

What they tell you

  • Do they say who regulates them?
    Yes — the IRA. That is who you complain to.

Talk to them

  • Website: kenindia.com
  • If something goes wrong, the IRA is who supervises them.

Compared with the others

There are 4 other plans of this kind on the board. See all 5 side by side — what each one leaves you with, and which of them will not say.

Where we got this