Income replacement
A lump sum or income stream that sustains dependants after loss of the breadwinner.
Life Insurance
Security for the People Who Depend on You
Life cover replaces income, settles obligations and funds long-term goals such as education, so your family's plans continue even if you are no longer there.
Overview
What this cover does
Life insurance pays an agreed benefit to your nominated beneficiaries on death, and in some plans on diagnosis of critical illness or permanent disability.
We help you size the benefit against your dependants' needs, outstanding loans and long-term goals, then structure a plan you can sustain over time.
Who it's for
Is this right for you?
- Parents with school-going or dependent children
- Sole or primary income earners in a household
- Borrowers with a mortgage or business loan
- Business partners protecting a shareholding
- Professionals building long-term savings
- Employers arranging group life benefits
Key benefits
Why clients choose this cover
Debt settlement
Cover sized to clear mortgages and loans so assets stay in the family.
Education funding
Dedicated plans that mature in line with school and university timelines.
Critical illness options
Early payout on diagnosis of specified serious conditions where selected.
Disability cover
Benefit payable on permanent total disability arising from accident or illness.
Group life
Employer-funded death-in-service benefits for your workforce.
Coverage options
Choose the level of protection
01
Term Life
Cover for a fixed period at the lowest cost per shilling of protection.
02
Whole Life
Lifetime cover with a savings element that accumulates value.
03
Education Plan
Structured savings with life cover to guarantee school fees continue.
04
Credit Life
Loan protection that settles an outstanding balance on death or disability.
05
Group Life
Scheme cover arranged for employees under a single master policy.
Important considerations
Before you take cover
- Premiums are based on age and health, so cover generally costs less the earlier it is taken.
- Disclose medical history and lifestyle factors fully; non-disclosure can void a claim.
- Review nominated beneficiaries after marriage, birth of a child or other major life changes.
- Term cover is inexpensive but pays nothing if you outlive the term — confirm that suits your goal.
- Check any suicide clause, waiting periods and exclusions before accepting the policy.
FAQ
Common questions
Get a Life Insurance Quote
Complete the form and an Ankaplace advisor will follow up with suitable options.
Ready to Protect What Matters Most?
Speak with an Ankaplace insurance advisor today and find the protection that's right for you.