By News Desk
From left: Jeruto Masiror, Britam Whole Life customer; Moses Kang’ethe, Chief Financial Officer, Britam Life Assurance Company Ltd; and Tom Gitogo, Managing Director and CEO, Britam Holdings Plc, during the official launch of the Whole Life Insurance Plan at Britam Towers on April 21, 2026. Britam Holdings Unveils Whole Life Plan with Lifetime Cover and Estate Planning Power
Britam has introduced the Britam Whole Life Insurance Plan, a comprehensive lifetime life insurance solution designed to help Kenyans secure their legacy, protect their wealth, and provide long-term financial support for their families.
The new plan offers permanent life cover, distinguishing it from traditional term insurance policies that expire after a fixed period. With an annual 3% increase in the benefit payable to beneficiaries, the policy is structured to preserve value over time. All benefits under the plan—including death, disability, and critical illness payouts—are tax-free, providing additional financial relief to beneficiaries.
Speaking during the launch, Group Managing Director and CEO noted that the product goes beyond conventional protection by focusing on legacy creation and long-term family security.
“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 cover that grows over time and lasts a lifetime,” he said.
The plan also integrates estate planning features, allowing policyholders to manage how their wealth is distributed. Customers may appoint Britam Trust as a beneficiary, enabling benefits to be administered through a structured trust arrangement. This ensures that funds are distributed according to the policyholder’s wishes, offering greater control over succession and financial planning.
Flexible premium payment options are available, starting from KES 3,000 per month over periods of 10, 15, or 20 years, or through a one-time lump sum payment. Medical examinations are only required for policies exceeding KES 15 million, making the plan accessible to a wider range of customers.
Additionally, clients can enhance their coverage with optional benefits such as Permanent Total Disability, Critical Illness, and Funeral Expense cover. The funeral benefit provides up to KES 500,000, ensuring families are supported during difficult times.
According to Britam Life Assurance CEO and Principal Officer , the product responds to increasing demand for solutions that combine flexibility, accessibility, and long-term value.
“We listened to what customers and partners were telling us: they want protection that is accessible, lasting and built around real-life needs. This plan brings together lifetime cover, flexible payment options and simple entry requirements in a way that supports legacy planning,” he said.
The Britam Whole Life Insurance Plan strengthens the company’s portfolio of long-term financial solutions and aligns with growing interest in wealth preservation, family protection, and structured transfer of assets across generations.
