Life Insurance in Kenya | Shamja Insurance Agency
Secure your family’s tomorrow with IRA-regulated life covers. From education savings to funeral expenses, we provide plans that protect what matters most.
IRA Licensed Agent
Reg: IRA/05/48521/2026
Types of Life Insurance We Offer
Shamja Insurance provides a wide array of long-term products designed to provide financial relief during life's most challenging moments.
Term Life Insurance
Pure protection for a fixed period (5-30 years). Ideal for breadwinners ensuring that if they pass away, their family can continue paying school fees and monthly bills without debt.
Whole Life Insurance
Permanent protection that never expires. Essential for estate planning and ensuring immediate liquidity for Last Expense (funeral costs) and inheritance processes.
Endowment & Education Plans
A hybrid of savings and life insurance. Secure your child's entire education journey—from high school to university—with guaranteed payouts at key milestones. These plans ensure their learning never stops.
Group Life Insurance
Tailored for SACCOs and SMEs in Kenya. Provide a 'Death in Service' benefit to your employees' families, ensuring business continuity and staff loyalty.
Key Benefits of Life Insurance
Beyond death benefits, modern life insurance policies in Kenya offer powerful financial tools to grow your wealth and protect your income while you are still alive.
Survival Benefits
Many policies offer partial payouts every few years during the term. This provides you with liquidity for major expenses like renovations or holidays while keeping the main cover active.
Compounded Interest
Earn annual reversionary bonuses. These bonuses are added to your sum assured and compound over time, ensuring your final payout is significantly higher than your total contributions.
Total Disability Cover
If you suffer a Total Permanent Disability (TPD) due to accident or illness, the policy pays out a lump sum or takes over premium payments, replacing your lost earning capacity.
15% Tax Relief
The Kenyan government encourages life insurance through tax incentives. You are entitled to a 15% insurance relief on your monthly premiums, reducing your PAYE tax burden.
Premium Waiver: Most Shamja life plans include a "Waiver of Premium" clause. This ensures that if the principal member passes away or is disabled, the insurance company continues to pay the remaining premiums until the original maturity date.
Why Choose Shamja for Life Insurance
Fully Licensed & Regulated
Shamja Insurance Agency is licensed by the Insurance Regulatory Authority (IRA/05/48521/2026) to operate in both General and Long-Term business classes.
Fast Claims Payouts
We advocate for our clients to ensure a 98% claim settlement rate. Our average payout time for Last Expense claims is within 48 hours of documentation.
Top-Tier Underwriters
We partner with Kenya's blue-chip insurers including Jubilee, Britam, and CIC to ensure your savings are held by the most stable institutions.
How Life Insurance Works in Kenya
01
Eligibility
Available to any Kenyan citizen or resident aged 18 to 65. Minors are covered under education plans with a parent as the proposer.
02
Premium Calculation
Calculated based on your current age, health status, and target payout. Younger applicants enjoy lower premiums for higher covers.
03
Claims Process
Submit claim notification via WhatsApp. We handle all documentation with the insurer until the final payout is made to your bank.
Verified Content
Reviewed by Shamja Principal Officer
Licensed Agent | IRA Reg No. IRA/05/48521/2026
"Every product mentioned on this page adheres to the Insurance Act of 1984. We ensure our clients receive honest, transparent advice to secure their future."
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Regulatory Disclosure
Shamja Insurance Agency is a licensed insurance agent by the Insurance Regulatory Authority (IRA) of Kenya under license number IRA/05/48521/2026. Class of Business: General & Long-Term Insurance. Registered Office: Nairobi, Kenya. Last content review: Nov 2025.