← Life Insurance
Claiming on life insurance
We lodge and follow up the claim for you at no extra cost. Here is exactly what happens and what we will need from you.
Report a claim: 0748 055 038Step by step
- 1The nominated beneficiary contacts us with the policy number.
- 2Provide the death certificate and burial permit.
- 3We complete the claim forms with the family — no cost to you.
- 4The underwriter pays the benefit directly to the beneficiary.
Documents needed
- Original policy document
- Death certificate and burial permit
- Beneficiary's ID and KRA PIN
- Medical or post-mortem report where required
- Police abstract for accidental death
How long it takes
Straightforward death claims are paid in 14–30 days once documents are complete.
Delays almost always come down to missing paperwork, so send everything in one go and we will chase the underwriter daily until it is paid.
Common questions
Can I change my beneficiary?
Yes, in writing at any time. We update the underwriter and send you confirmation.
What if I stop paying?
Term policies lapse after the grace period. Whole life and education plans may continue on the accumulated cash value.
Do I need a medical exam?
Only above certain sums assured or ages. Many plans are issued on a simple health declaration.