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.
By Peace Muthoka
Nairobi, April 21, 2026 — Britam has launched a new whole life insurance plan aimed at helping Kenyans secure their families’ future and plan their legacy with confidence.
The Britam Whole Life Insurance Plan offers lifetime cover, setting it apart from term insurance, which expires after a fixed period. The insurer says the policy ensures long-term protection while allowing customers to build and preserve wealth for their loved ones.
Under the plan, the benefit payable to beneficiaries grows by three percent annually. This feature helps maintain the value of the payout over time. All benefits, including death, disability, and critical illness payouts, are tax-free.
The product also supports estate planning by offering structured ways to pass on wealth. Customers can name Britam Trust as a beneficiary, allowing funds to be managed and distributed through a trust arrangement. This approach gives policyholders greater control over how and when their beneficiaries receive support.
Britam Group Managing Director and CEO Tom Gitogo said the plan reflects the company’s focus on solutions that go beyond basic protection.
He noted that the product is designed to help customers leave a lasting financial legacy while ensuring their families remain supported over time.
The plan comes with flexible payment options. Customers can pay monthly premiums starting from KES 3,000 over 10, 15, or 20 years. Alternatively, they can choose a one-off single premium. Medical checks are only required for cover exceeding KES 15 million.
Policyholders can also enhance their cover by adding optional benefits such as permanent total disability, critical illness, and funeral expense cover. The funeral benefit can go up to KES 500,000, offering support during difficult moments.
The launch expands Britam’s portfolio of long-term protection products and responds to rising demand for solutions that support wealth preservation, family security, and smooth transfer of assets across generations.
Gitogo said the company developed the plan after listening to customer needs for accessible, flexible, and long-lasting protection.
