Last Expense Cover

Individual Last Expense Cover

Old Mutual Life Assurance Kenya

Last expense cover with benefit options from KES 50,000 to KES 500,000 for individuals and eligible family members.

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QUICK PREMIUM ESTIMATE

Estimate your annual premium

Choose your cover amount, then add eligible family members. Your estimate updates automatically using the rates in the supplied brochure.

Who do you want to cover?

Choose the benefit amount

Would you like to add parents or parents-in-law?For example, you can include your father, mother, father-in-law and/or mother-in-law. Each is priced individually using the brochure's “lives aged above 60 years” rate.

Estimated total annual premiumKES 992Payable annually in advance, subject to provider confirmation.

This is an indicative estimate, not an offer or confirmation of cover. Parent additions are estimated using the brochure's above-60 rate per person; confirm age eligibility, health disclosures, policy limits, exclusions and the three-month natural-death waiting period with Old Mutual.

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Overview

Old Mutual Individual Last Expense Cover is designed to help provide financial support for funeral expenses for the principal member and eligible loved ones. The brochure lists benefit amounts of KES 50,000, 100,000, 150,000, 250,000 and 500,000.

How it works

Premiums are payable annually in advance. Use the premium estimator on this page to calculate an indicative annual premium from the brochure table. Final acceptance and premium must be confirmed by Old Mutual.

Fees and charges

Annual premiums shown in the supplied brochure: individual up to age 60 — KES 496, 992, 1,488, 2,480 and 4,961; nuclear family up to age 60 — KES 664, 1,320, 1,976, 3,288 and 6,576; each individual aged above 60 — KES 842, 1,530, 2,295, 3,825 and 7,650; extra child/sibling — KES 100, 200, 300, 500 and 900, respectively, for the five benefit levels.

Risks and important considerations

The brochure states a three-month waiting period for natural death. Listed illnesses must be disclosed and claims arising from undisclosed conditions may be declined. Policy limits and exclusions apply; this summary is not a substitute for the full policy wording.

Eligibility and how to apply

Principal member and spouse: maximum entry age 70. Parents and parents-in-law: maximum entry age 75, with no cover-cease age stated in the brochure. Nuclear family cover includes one principal member, one spouse and up to four biological/adopted/stepchildren. Children and siblings are covered from 3 months to 18 years; ages 18–24 are subject to confirmation of full-time education. Confirm all eligibility and onboarding requirements with Old Mutual.

Frequently asked questions

The brochure says the policy covers up to six claims over a 12-month cover period. It also lists limits for claims and benefits, including special rules for sums assured above KES 250,000 and for a child death below age 10. Refer to the full brochure and Old Mutual for exact current conditions.

MoneyVersations provides educational information, not a guarantee of returns or a substitute for individualized financial advice. Investment values and returns may fluctuate; insurance cover is subject to policy terms, exclusions and conditions.