Kenyans can now secure affordable funeral insurance for their families with premiums starting from just Ksh1,000 annually, following the launch of the Heshima Farewell Plan by Britam.
The policy, rolled out through Britam Connect in partnership with Montezuma Funeral Home, aims to ease the financial burden that comes with burial and funeral arrangements.
Approved by the Insurance Regulatory Authority (IRA), the plan provides end-to-end funeral support, including mortuary services, transport, and burial arrangements across the country.
Flexible Cover for Kenyan Families
The Heshima Farewell Plan is designed for both nuclear and extended families, offering four tiers: Basic, Standard, Executive, and Platinum.
For nuclear families—defined as a principal member, spouse, and up to four children—premiums range from Ksh1,000 to Ksh1,850 annually.
At the top tier, families can receive up to Ksh500,000 per spouse and Ksh100,000 per child, making it one of the most comprehensive low-cost funeral insurance options currently available in Kenya.
Breakdown of Coverage Plans
- Basic Plan
Offers up to seven days of mortuary services, a hearse, a basic casket, and Ksh7,000 clothes cashback. - Standard Plan
Extends mortuary coverage to 10 days and includes wreaths, a portrait, and Ksh12,000 clothes cashback. - Executive Plan
Includes 14 days mortuary cover, funeral programmes, obituary placement in Daily Nation, and Ksh20,000 clothes cashback. - Platinum Plan
Offers premium services such as a Mercedes hearse, 18 days mortuary cover, 200 funeral programmes, and Ksh30,000 clothes allowance.
Extended Family Option
Families can also insure parents and in-laws under the extended family plan, with premiums ranging from Ksh4,000 to Ksh12,600 annually.
Coverage for parents and in-laws ranges between Ksh50,000 and Ksh250,000 depending on the selected tier.
However, this option is only available to registered groups with at least 50 members, targeting chamas, SACCOs, and organized community groups.
Eligibility and Age Limits
- Principal member and spouse: 18–70 years (exit age 80)
- Children: 1 month to 18 years (extendable to 25 years for students)
- Parents/in-laws: Up to 80 years (exit age 85)
Waiting Periods Explained
The policy includes specific waiting periods depending on the cause of death:
- Accidental death: No waiting period
- Natural death: 1 month
- Parents/in-laws: 3 months
- Pre-existing conditions: 6 months
Key Exclusions
The cover does not apply to deaths resulting from:
- Criminal or illegal activities
- Alcohol or drug misuse
- Fraud or misrepresentation
- High-risk activities such as extreme sports (unless saving a life)
How to File a Claim
To file a claim, beneficiaries must submit:
- Completed claim form
- ID or birth certificate of the deceased
- Burial permit or death certificate
- Beneficiary ID
- Police abstract (for accidental death)
- Signed claim consent form
How to Apply
Interested Kenyans can apply or get more details by contacting Britam Connect via their customer care line: 0705 100 100.
What This Means for Kenyans
With funeral costs continuing to rise across the country, affordable insurance solutions like the Heshima Farewell Plan provide a safety net for families during difficult times.
By combining low premiums with comprehensive coverage, the product is likely to appeal to a wide range of Kenyans looking to plan ahead and avoid financial strain during bereavement.