This policy provides protection cover only. Under this plan, premiums are paid throughout the life of the insured. Compared to other plans, this plan boasts of very low premiums.

Benefits under this policy are payable on the death. The plan is ideal for estate planning. If for example one had a policy of kshs.10,000,000/= he can write a will for dependants for the above amount.

At Britiam we understand that losing a loved one is a tragedy.  The funeral planning and expenses can be both financially burdensome and stressful for the family.  The Funeral Plan from Britam helps families cater for all funeral expenses in the event of death of a family member. Peace of mind when you need it most.

We understand that our customers have different needs and resources.  The Funeral Plan is offered in three tiers, Premier, Prestige and Standard, to cater for different financial capabilities.

You are eligible for the Funeral Plan if you are between 18 years and 65 years of age. We shall cover you until you are 75 years of age.

• All family members will be covered under the same option.

• The Funeral Plan will cover the nuclear family (spouse and children, including those legally adopted) and biological parents of both spouses below 65 years of age.

All parents dream of their children excelling in school, going to a good university, getting a good job and living a successful life and we know that this is chiefly achieved through a quality education.

Elimu Bora is a combination of insurance protection and savings that allows your client to prepare for the cost of education. It accumulates funds for their child’s fees while in secondary and a lump sum amount for joining university.

Under this unique plan the child will be the insured person and you enjoy benefits such as:

1) Savings

2) Cash Bonuses

3) Hospitalization Cover

4) Death benefit

5) Monthly Income

6) Last Expense Cover

7) Tax Benefits

Elimu Bora allows clients the flexibility to dictate the terms of their policy from how they want to save and pay according to their needs.

Clients can also use the policy as security to get a loan and incase their child elects not to join university, the funds are available to start them off in life.

At Britam, we understand women. We understand that you have plans for a great future and that you need to preserve your well being. We know you have unique medicare needs and you need your future secured. With the Lady Plan from Britam, we celebrate your well being and toast to your good health by providing life insurance as well as critical illness benefit cover that cater to female specific illnesses.

You can get the Lady Plan if you are between 18 years and 58 years of age. We shall cover you until you’re 70 years of age.

The plan has a cover period from 12 years up to amaximum of 24 years depending on your specific needs.

The plan allows for a minimum Sum Assured of Kshs 500,000 and a Maximum of Kshs 5,000,000

The full Sum Assured is paid out at the end of the policy term.

You receive guaranteed bonuses at 10% of your Sum Assured every 3 years and at 15% from the 9th year onwards

The Lady Plan allows for an optional early bonus payment in the event of:

• Cervical or Breast cancer.

• Birth of a child.

• Pre-eclampsia, UTIs and Haemorrhoids due to pregnancy complications.

• Your wedding

The early bonus payments are 50% of your next due bonus during the first 3 years or 100% of your next due bonus thereafter

This is a unique personal accident product which has a wide range of benefits which include full payment on:

1. Death due to an accident
2. Permanent Total Disability
3. Income on Temporary Total Disability
4. Medical expenses
5. Hospital cash
6. Funeral expenses
7. Artificial limbs

This insurance provides financial benefits for death or bodily injuries caused by accident to the insured person.The insurance also provides some weekly compensation for loss of income to the accidentally incapacitated persons and also covers medical expenses arising out of the accident and not otherwise.

The policy can be arranged to cover individual persons, employees or associated groups e.g. directors.

With hospitalization costs escalating everyday, quality medical cover is an absolute necessity in today’s world. This is particularly important because sooner or later, most individuals are hospitalized.

For the forward planner, British-American Mediflex is the unique solution available because it is a medical cover that provides hospitalization insurance guaranteed for life.

We will sort out the surgeon, physician and daily expenses on room and board while your client focuses on getting better and planning for the days ahead. We offer a special cover for ladies and ensure that any new born babies are automatically covered.

This cover protects the borrower against the risk of death and disablement following accidental or natural cause.

Under this policy, the outstanding loan is redeemed by British-American upon the death or total disablement of the covered member following accidental or natural cause.

This secures the borrowers estate from being reclaimed by the lender and also enables the lender to immediately recover outstanding liability.

British-American Credit Life Insurance takes care of any outstanding debt the policy holder may leave behind. We insure the loanee against death and disability where in the event of one’s death, British-American pays out the outstanding capital on a short or long term debt (such as on a car or home) to your loan provider who may be a financial institution, Sacco or Company.

It Is a decreasing sum assured product which means that the pay out amount decreases in direct correlation to the repayment you make on your loan. Its valid for the whole loan contract period or outstanding period (if you start the life policy after you took your loan) or until a disablement or death, claim is made and paid out.