Picture this: You’re 25, fresh out of university, and you’ve just landed your dream job. After years of struggle, life is finally beginning to look up.
You can now support your parents who sacrificed to educate you, help your siblings, and afford a decent lifestyle. Naturally, your focus begins to shift to the future, building a family and ensuring they never have to endure the hardships you faced. You want a safety net. A backup plan. Something lasting.
For young professionals, entrepreneurs, and rising income earners who are early in their careers but already thinking about financial discipline, protection and long-term legacy, the Britam Whole Life Insurance Plan positions itself as a solution built for that purpose.
Launched in April 2026, the plan is designed to secure a family’s financial future in the event of permanent disability or death. It provides cover for death, disability and critical illness, with tax-free payouts to beneficiaries.
Under a 10-year plan, a customer can opt to pay a one-off premium of Ksh529,650 or make monthly contributions of Ksh6,550, bringing the total to Ksh787,965 over the 10-year period.
The potential returns highlight the long-term value proposition. For instance, in the event of death at age 35, beneficiaries would receive Ksh10.8 million. If death occurs at age 70, the payout rises to Ksh30.3 million, while benefits could reach Ksh54.6 million at the same age depending on the plan structure.
“The Britam Whole Life Insurance Plan reflects our commitment to offering solutions that go beyond basic protection. It is designed to help customers leave something meaningful for the people they love, with a cover that grows over time and lasts a lifetime,” said Mr Tom Gitogo, Britam CEO.
For a 35-year-old, typically in a more stable phase of career and income growth, the same 10-year plan can offer benefits of up to Ksh40 million, targeting professionals, entrepreneurs and young family leaders entering a serious wealth-building phase.
Meanwhile, a 45-year-old customer, often focused on preserving wealth and protecting family lifestyle, can access benefits of up to Ksh30 million upon death under the plan.
The final payout varies depending on the premium package selected, offering flexibility for different income levels and financial goals.
Unlike many traditional insurance products that expire after a fixed term, the Britam Whole Life Insurance Plan provides lifetime coverage. Premiums remain fixed and can be paid flexibly, whether as a single lump sum or in instalments over defined periods such as 10, 15 or 20 years.
Medical examinations are only required for cover amounts exceeding Ksh15 million, lowering the barrier to entry for many prospective policyholders.
How to join
Interested customers can reach Britam via call, SMS or WhatsApp on 0705100100, or by email at [email protected].
Read: Britam Whole Life Insurance Plan Offers Up to KSh100 Million Cover
>>> Britam Launches Whole Life Insurance Plan for Long-Term Wealth Transfer
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