Life Insurance Cover I FORM

This Life Cover leaves a lumps of cash to those who depend on you when you pass on. 

i.e. it replaces your economic value because when one dies they can no longer provide the income when gone

This cover can be taken with living benefits that pay out a lump sum in the case of accidental disability or critical illness (like a cancer, stroke, coma, heart attack). 

It is important because it helps your loved ones with:

1. Paying off any pending debt
   
2. Taking care of day to day household obligations e.g. rent, bills, etc
   
3. All forms of childcare including their education
   
4. Protect business and ensure its continuity
   
5. Leave a legacy and create generational wealth (through a cash inheritance) - especially for whole life covers since death is an eventuality.

Advantage of Life

1. Life policies do not go payout cannot be contested

2. Payout is done in about 2 weeks after death or diagnosis

3. Payout is tax-free.

4. Ensures that family is not desperate to liquidate any investments prematurely

5. This ensures continuity in the family unit (to focus on healing)

This form is to highlight your knowledge

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Medical Insurance Cover I FORM

Medical insurance helps you pay your hospital bills in the case you get an illness or accident or any other medical related expenses.

It provides you with access to hospitals, clinics, specialists when you are sick or have had an accident. It helps you avoid monetary loss and financial ruin as a result of an unexpected health misfortune.

Advantages

- Gives you and your family access to quality medical service

- Provides psychological comfort in times of emotional distress (so that you and loved ones can focus on getting better)

- Protects you from using your savings and investments by taking care of unforeseen medical bills

This form is to guide us in preparing a suitable proposal based on your needs. 

This form is for individuals or families of up to age 64. If you are 65 and above please fill in this senior's form here.

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The "Star Child" Education Plan I FORM

Education Planning is crucial for several reasons, as it ensures both the financial and academic needs of a child's future are met.

Education planning is an important goal as means of them becoming independent adults.

This package is to ensure that our kids have a head start in life by ensuring they have a good education to contribute to their success in life.

3 FACTORS OF A GOOD EDUCATION PLAN:

• Has good structure
• Has protection (to ensure that education is not interrupted in case of death, disability or critical illness)
• Has growth element (ensures that the money compounds and grows over a period of time putting into consideration inflation)
• Does not go through probate court (succession process) in case of death or incapacitation of parent/ guardian

THIS PLAN IS BEST FOR:

1. Those looking for an alternative way of saving for child's education instead education and endowment policies:

• Plan combines pure life cover and saving through a trust fund (separately) to maximise on protection and growth

Those who already have an education and endowment policy and want to supplement it

• Because the protection of current policy is too low
• Because the funds at maturity may not be enough.

Those looking for a more flexible way to save for children's education

• Because you have more control over the savings and will not get penalised for it

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Trust Fund Questionnaire 2024 I FORM

A cash management trust is designed to safeguard you and your loved ones throughout your lifetime and in challenging times such as incapacitation and death.

Funds within the trust are invested for long term returns and administered to fulfil specific beneficiary needs, ensuring financial security and peace of mind for you and family.

Best for cash as an asset, need only Ksh 5,000 to get started.

This structures trust caters to diverse needs including:

- Education

- Medical Expenses

- Charitable Giving 

- Wealth Preservation

Family Trust

A family trust is a legal arrangement where assets like money, property or investments are helds and manage bu a trustee for the benefit of family members (the beneficiaries). 

It helps ensure that these assets are used and passed on according to the family's wishes, providing financial security and potentially saving on taxes.

It is a way to protect and control family wealth for future generations

• You can always start with a trust fund as you aim at getting a family trust eventually.
  

Please fill in this form which will guide us in the best plan for you

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