Britam Unveils Whole Life Insurance Plan for Legacy and Family Protection

Britam Holdings Plc has launched the Britam Whole Life Insurance Plan, a permanent life cover product that aims to strengthen long-term financial security, wealth protection, and family legacy planning for Kenyans.

The insurer says the new product extends protection beyond fixed-term policies. Instead, it offers cover that lasts a lifetime while supporting estate planning and intergenerational wealth transfer.

Unlike term insurance, which ends after a set period, the Whole Life Insurance Plan guarantees lifelong coverage.

In addition, the benefit payable to beneficiaries grows by 3% each year to help maintain its value. Notably, all payouts, including death, disability, and critical illness benefits, remain tax-free.

Estate Planning and Wealth Transfer

Britam says the plan gives customers a structured way to plan their estates and reduce financial uncertainty for their families. Moreover, it supports succession planning by helping cover related costs when the need arises.

In addition, the plan integrates with Britam’s trust services. Customers can name Britam Trust as a beneficiary.

As a result, the policy benefits move into a structured trust arrangement that controls how and when beneficiaries receive funds. This approach gives policyholders stronger oversight of their estate distribution.

Also Read: Relief for Bereaved Families as Britam Rolls Out Affordable Funeral Insurance

Flexible Premiums and Entry Options

The product also offers flexible payment structures. Customers can pay monthly premiums starting from KES 3,000 or choose to pay a single lump sum.

Furthermore, they can spread monthly payments over 10, 15, or 20 years depending on their financial capacity.

Medical examinations apply only when the cover exceeds KES 15 million. Therefore, most customers can access the plan without strict entry barriers.

Optional Riders for Added Protection

Britam allows customers to enhance their cover with optional benefits. For instance, they can add Permanent Total Disability, Critical Illness, or Funeral Expense cover. Additionally, the last expense benefit provides up to KES 500,000 to support families during urgent financial needs.

“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,” said Britam Group Managing Director and CEO, Tom Gitogo.

Also Read: Britam Holdings Proposes Increase in Employee Share Ownership Plan

Responding to Customer Needs

Britam says it developed the product after listening to customer feedback on long-term protection needs. Consequently, the insurer designed a solution that combines accessibility, flexibility, and legacy planning features.

“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,” added Mr. Gitogo.

Finally, Britam says the Whole Life Insurance Plan strengthens its portfolio of long-term financial solutions. It also reinforces its focus on wealth preservation and family security across generations.

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From left, Montezuma Funeral Home Operations Manager Josh Karuga (Left), Britam Connect CEO and Principal Officer, Evah Kimani, and Britam Group Holdings Plc CEO and MD Tom Gitogo, during the official launch of the Heshima Farewell Plan at the Britam Towers on April 8, 2026. The last-expense policy is designed to support Kenyan families during times of loss. PHOTO/ FILE