What is Last Expense Insurance?
Last expense insurance pays a funeral cash benefit upon notification of the death of an insured family member to assist the family to manage the associated funeral expense burden. At a small premium, you will be able to transfer the financial risk that surrounds funeral expenses and ensure a smooth send-off for your loved ones.
This coverage provides much-needed relief from the burden of fundraising from friends, family or well-wishers to cater for funeral expenses. A Last Expense Comprehensive Plan is a practical and compassionate way to plan for the future.
It ensures that families are financially protected from the high costs of funerals, medical bills, and other end of life expenses. By securing this coverage, policyholders provide their loved ones with much-needed peace of mind, allowing them to focus on remembrance and healing rather than financial concerns.
You can purchase this coverage either as a group or an individual policy, making it accessible for families and organizations alike.
KES 200K+
Average funeral cost in Kenya
24-48h
Average claims payout time
65+
Maximum entry age available
Last Expense Insurance Plans
We offer a range of last expense insurance plans tailored to different family needs and budgets.
Individual Funeral Cover
Personal protection for your final expenses
- Funeral cash benefit up to KES 500,000
- Medical expenses coverage
- Quick claims processing
- Flexible premium payments
- No medical examination required
Family Funeral Cover
Comprehensive protection for your entire family
- Coverage for spouse and children
- Extended family members option
- Higher benefit limits available
- Education benefit for children
- Grief counseling support
Group Funeral Cover
Affordable protection for organizations & communities
- Coverage for employees or members
- Discounted group rates
- Easy enrollment process
- Flexible contribution options
- Dedicated account management
Key Features of Last Expense Insurance
Immediate Financial Support
- Cash benefit paid within 24-48 hours of claim
- No lengthy waiting periods
- Direct payment to beneficiaries
- Flexible use of funds
Comprehensive Coverage
- Funeral service expenses
- Burial or cremation costs
- Transportation and logistics
- Outstanding medical bills
Accessible to All Ages
- Coverage available up to age 65
- No medical examinations required
- Simple health questions only
- Guaranteed acceptance options
Affordable Premiums
- Low monthly premiums from KES 500
- Flexible payment frequencies
- Family discounts available
- Group rate advantages
Additional Benefits
- Grief counseling services
- Legal assistance referral
- Document preparation support
- 24/7 beneficiary support
Flexible Options
- Individual or group coverage
- Various benefit levels
- Multiple payment methods
- Portability between employers
Benefits of Last Expense Insurance
Financial Peace
Protect your family from the significant financial burden of funeral expenses.
Dignified Farewell
Ensure your loved ones can provide a proper, respectful send-off.
No Family Debt
Prevent your family from accumulating debt to cover funeral costs.
Quick Access
Immediate cash benefit when your family needs it most.
Emotional Support
Allow your family to focus on grieving rather than finances.
Easy Process
Simple application with minimal documentation required.
Why You Need Last Expense Insurance in Kenya
The average funeral in Kenya costs between KES 150,000 to KES 500,000, creating significant financial pressure on grieving families. Without proper planning, families often resort to taking loans, selling assets, or depending on community fundraising - all while dealing with emotional loss.
Important Consideration
Many traditional life insurance policies have waiting periods and may not provide immediate funds for funeral expenses. Last expense insurance is specifically designed to provide quick cash benefits precisely when families need them most - immediately after a loss.
By securing last expense insurance, you're not just planning for inevitable expenses - you're providing your loved ones with the gift of financial stability during one of life's most difficult moments. This allows them to honor your memory without the added stress of financial hardship.
Why Choose Laren Insurance Agency?
- Compassionate approach to sensitive financial planning
- Extensive experience with last expense insurance in Kenya
- Quick and dignified claims processing
- Flexible coverage options for individuals and groups
- Competitive premiums with transparent terms
- Knowledgeable advisors who understand cultural considerations
- Multiple insurance provider options
- Ongoing support for beneficiaries
Frequently Asked Questions
We prioritize last expense claims and typically process payments within 24-48 hours of receiving all required documentation. This ensures your family has immediate access to funds when they need them most for funeral arrangements.
Most of our last expense insurance plans accept new enrollments up to age 65. Some plans may have guaranteed acceptance options for older applicants, though benefit amounts may be adjusted. We recommend discussing your specific situation with our advisors.
Most last expense insurance policies do not require medical examinations. Coverage is typically granted based on answers to simple health questions. This makes the process accessible and dignified for applicants of all health conditions.
Yes, our family plans allow you to cover spouses, children, parents, and in some cases, extended family members. Group plans are also available for organizations wanting to provide coverage for members or employees.
We offer grace periods for missed payments and various options to help you maintain coverage during financial difficulties. It's important to contact us immediately if you're facing challenges with premium payments to discuss available solutions.
Yes, the cash benefit paid to your beneficiaries can be used for any expenses they deem necessary. While it's intended for funeral and related costs, beneficiaries have flexibility to use the funds for medical bills, outstanding debts, or other immediate financial needs.
Give Your Family the Gift of Financial Peace
Don't leave your loved ones with the burden of funeral expenses during their time of grief. Our compassionate last expense insurance provides immediate financial support when it's needed most.
GET YOUR LAST EXPENSE QUOTE