The Association of Kenya Insurance is appealing to Kenyans to take up funeral insurance cover to shield themselves from financial burden when they lose a loved one.

AKI Executive Director, Tom Gichuhi says insurers are offering affordable products with premiums as low as 100 shillings per month that goes a long way in cushioning families financially after losing a loved one.

A latest research by Ipsos Synovate shows that only three per cent of Kenyans have taken funeral insurance cover.

The survey, commissioned by the Association of Kenya Insurance (AKI) also showed that Kenyans felt that funerals were being commercialized.

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According to the research, funeral expenses cost families and friends between Ksh50,000 to Ksh2.5 million where contributions from family and friends as well as from welfare associations are the main ways of funding funeral expenses.

The survey was conducted amongst 10 focus groups in Nairobi, Kisii, Kisumu, Nyeri and Bungoma Counties, indicated that the cost of funerals is on the increase.

Communities that bury their dead within 24 hours, are estimated to spend about Ksh10,000.

In cases where the deceased was hospitalized for a period, the funeral expenses average between Ksh400,000 to Ksh2,500,000 setting back families financially.


Once you have taken up funeral insurance, you will be expected to pay premium either monthly, every three months, every six months or annually, depending on your agreement with the Insurance Company.

Upon demise of the insured, the insurance company pays the claim to the appointed beneficiary within 48 hours of receiving notification and relevant documentation.

Funeral insurance can be purchased as a stand-alone product or as part of another related product which is referred to as a ‘rider’.

Culture and traditions are the main challenges facing the uptake of funeral insurance since talking about death or funerals is a taboo to most cultures.



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