Life Cover plans
Protect What Matters Most
Life is unpredictable — but your family’s future doesn’t have to be.
At Ulinzi Insure, our life cover plans are designed to provide financial security, income protection, and peace of mind when it matters most. Whether you're starting out, growing your family, or planning your legacy, we have a solution tailored for you
1. Ulinzi Starter Cover
Simple. Affordable. Essential.
Perfect for individuals beginning their financial journey.
- Affordable monthly premiums
- Basic life protection payout
- Ideal for young professionals
👉 Start small, stay protected.
| Benefit | Details |
|---|---|
| Entry Age | 18 – 45 years |
| Cover Type | Term Life Cover |
| Minimum Sum Assured | KES 500,000 |
| Maximum Sum Assured | KES 5,000,000 |
| Premium Payment | Monthly / Quarterly |
| Policy Term | 5 – 20 years |
| Death Benefit | Lump sum payout to beneficiaries |
| Maturity Benefit | Not applicable |
| Optional Riders | Accidental Death Benefit |
| Ideal For | Young professionals starting out |
2. Ulinzi Family Shield Plan
Protection for the people who matter most.
Designed to secure your family’s financial future.
- Lump sum payout to beneficiaries
- Covers breadwinner risk
- Optional education benefit riders
👉 Because your family depends on you.
| Benefit | Details |
|---|---|
| Entry Age | 21 – 60 years |
| Cover Type | Term Life + Family Protection |
| Minimum Sum Assured | KES 1,000,000 |
| Maximum Sum Assured | KES 20,000,000 |
| Premium Payment | Monthly / Annual |
| Policy Term | 10 – 25 years |
| Death Benefit | Lump sum payout |
| Education Benefit | School fees support for dependents |
| Optional Riders | Critical Illness, Disability Cover |
| Ideal For | Families & breadwinners |
3. Ulinzi Wealth Builder Plan
Protection + Growth in one plan.
Combine life cover with long-term savings and investment.
- Life cover plus investment component
- Flexible contributions
- Maturity benefits for wealth accumulation
👉 Protect your life while growing your wealth.
| Benefit | Details |
|---|---|
| Entry Age | 25 – 55 years |
| Cover Type | Whole Life + Investment |
| Minimum Sum Assured | KES 1,500,000 |
| Maximum Sum Assured | Flexible |
| Premium Payment | Flexible contributions |
| Policy Term | 15+ years |
| Death Benefit | Sum assured + investment value |
| Maturity Benefit | Lump sum investment payout |
| Bonus/Returns | Based on fund performance |
| Optional Riders | Critical Illness, Waiver of Premium |
| Ideal For | Wealth builders & long-term planners |
4. Ulinzi Legacy Plan
Leave a lasting impact.
Built for long-term security, estate planning, and wealth transfer.
- High-value life cover
- Estate and legacy planning support
- Ideal for business owners & high earners
👉 Secure your legacy for generations.
| Benefit | Details |
|---|---|
| Entry Age | 30 – 65 years |
| Cover Type | Whole Life / Estate Planning |
| Minimum Sum Assured | KES 5,000,000 |
| Maximum Sum Assured | Unlimited (subject to underwriting) |
| Premium Payment | Structured / Flexible |
| Policy Term | Lifetime cover |
| Death Benefit | High-value lump sum payout |
| Estate Planning | Yes (structured wealth transfer support) |
| Optional Riders | Premium Waiver, Critical Illness |
| Ideal For | High earners, business owners |