Life, last expense & education cover guide 2026
For parents and families in Kenya weighing life cover, last expense cover or an education policy, and the income tax relief these policies give.
Who this guide is for
- You want your family covered if you die or cannot work
- You are saving for school fees with an education policy
- You want the insurance relief on your income tax
What is inside: table of contents
The PDF puts together 6 guides of Tulinde Kenya, word for word: each chapter opens with its short answer, then the full sections, the frequently asked questions and the date it was last reviewed. All 17 sources — the laws, the regulator and the official documents each fact comes from — are listed at the end, with their links.
- Life insurance in Kenya: types of policy and who sells them
The main types of life policy · What to check before you sign
Reviewed 23 September 2026 · 2 questions · 3 sources
- Cost of life insurance in Kenya: what sets your premium, and the prices insurers publish
What sets the premium of a life policy · The prices two insurers publish · Medical tests: what skipping them costs you · Tax relief: what the premium really costs · Before you sign: the traps that cost more than the premium
Reviewed 22 October 2026 · 4 questions · 4 sources
- Last expense cover in Kenya (funeral insurance): what it costs, who it covers and how to claim
What last expense cover pays — and what it is not · What it costs: the premiums Britam publishes · Who can be covered, and until what age · Waiting periods, exclusions and other traps · How to claim, and how fast the insurer must pay · Before you buy last expense cover
Reviewed 29 September 2026 · 9 questions · 4 sources
- Education insurance in Kenya (school fees policies): what it covers, what it costs and how to claim
What education insurance is — and what it is not · What three insurers publish about their education plans · What education insurance costs · Tax relief on an education policy · How education policies pay out and how to claim · Before you sign: traps to avoid
Reviewed 9 October 2026 · 5 questions · 4 sources
- Insurance relief in Kenya: how life, education and health policies cut your income tax
What insurance relief is, in the law · Which policies qualify — and which do not · How to calculate your insurance relief, step by step · How to claim it: employees and everyone else · SHA, NHIF and medical funds: deductions, not insurance relief · Traps to avoid
Reviewed 1 October 2026 · 5 questions · 3 sources
- Insurance relief calculator for Kenya: 15% of premiums, up to KES 60,000
The rule the calculator applies · Worked examples · What qualifies — and what does not
Reviewed 28 October 2026 · 5 questions · 3 sources
Look inside
Two pages of the PDF exactly as you will get it: the contents page and the first page of chapter 1.
Who writes it
Tulinde is an independent guide run by Takat AI. It is not an insurer, a broker or an agent, and it does not rank or rate insurers. Every fact comes from a primary source listed in the guide. Read how we check facts and how Tulinde makes money.