Last Expense Cover
Losing a loved one is painful enough. Raising money for funeral expenses should not add to the burden.
Last Expense Insurance, also known as Funeral Insurance or Burial Cover, provides a cash benefit to help your loved ones meet funeral arrangements, transportation, burial expenses and other immediate obligations following the death of an insured person. Unlike Group Last Expense Insurance, it does not require membership in a chama, SACCO or welfare association.
Through Birdview Microinsurance, you can choose from flexible plans for individuals, nuclear families and extended families, with annual cover starting from just KSh 510 for an individual.
Get A QuoteBenefits Of Taking Last Expense Insurance
Affordable Financial Protection
Begin with a modest annual contribution and choose the level of funeral protection that suits your financial circumstances.
Protection Beyond Yourself
Depending on the plan selected, extend cover to your spouse, children, parents, parents-in-law and eligible siblings.
Financial Relief During Bereavement
The funeral benefit helps your loved ones manage immediate expenses without relying entirely on borrowing, fundraising or personal savings.
Freedom To Choose Your Cover
Select from different funeral benefit limits and family coverage options based on your protection needs.
Convenient Online Application
Explore the available plans and request cover online through Wysline Insurance Agency's quotation form.
Personalised Claims Support
A claim often arises during an emotionally difficult time. We help your family understand the requirements, prepare documents and follow up with the insurer.
Individual Last Expense Cover — From KSh 510 Per Year
Personal funeral expense protection without having to join a group. Whether you are employed, self-employed, a business owner or working in the informal sector, select a benefit limit that suits your budget.
| Funeral Benefit | Annual Premium |
|---|---|
| KSh 50,000 | KSh 510 |
| KSh 100,000 | KSh 1,020 |
| KSh 200,000 | KSh 2,040 |
| KSh 300,000 | KSh 3,060 |
| KSh 500,000 | KSh 5,090 |
Nuclear Family Last Expense Cover — From KSh 1,000 Per Year
Funeral expense protection for the principal member and eligible immediate family members, including a spouse and children, according to the selected policy.
| Funeral Benefit | Annual Premium |
|---|---|
| KSh 50,000 | KSh 1,000 |
| KSh 100,000 | KSh 1,930 |
| KSh 200,000 | KSh 3,850 |
| KSh 300,000 | KSh 5,770 |
| KSh 500,000 | KSh 9,600 |
Extended Family Last Expense Cover — From KSh 2,000 Per Year
In many Kenyan families, financial responsibility extends beyond the nuclear family. This plan covers eligible parents and parents-in-law in addition to your nuclear family (excluding siblings).
| Funeral Benefit | Annual Premium |
|---|---|
| KSh 50,000 | KSh 2,000 |
| KSh 100,000 | KSh 3,600 |
| KSh 200,000 | KSh 7,200 |
| KSh 300,000 | KSh 13,400 |
| KSh 500,000 | KSh 21,800 |
Extended Family Cover Including Siblings — From KSh 4,500 Per Year
For families wishing to extend funeral protection further, Birdview also offers an Extended Family option that includes eligible siblings.
| Funeral Benefit | Annual Premium |
|---|---|
| KSh 50,000 | KSh 4,500 |
| KSh 100,000 | KSh 9,000 |
| KSh 200,000 | KSh 18,000 |
| KSh 300,000 | KSh 27,000 |
| KSh 500,000 | KSh 45,000 |
All premiums shown are annual standard-plan rates published by Birdview Microinsurance. Eligibility, covered family members, benefit limits, waiting periods and exclusions are subject to the insurer's policy terms. Confirm the final quotation before payment.
How Long Does A Last Expense Claim Take?
Notify Us Promptly
When an insured person passes away, notify Wysline Insurance Agency or the insurer as soon as possible.
Submit The Documents
Provide the completed claim form and supporting documents. We help you prepare everything the insurer needs.
Verification
The insurer verifies the documents. Claims needing further investigation or extra documents may take longer.
Payment Within 48 Hours
Qualifying claims may be processed within 48 hours of the insurer receiving complete and satisfactory documentation.
What Documents Are Required?
Requirements may vary depending on the circumstances of death and the selected policy. Documents commonly requested include:
- Completed Last Expense Claim Form — provided by the insurer and completed by the claimant.
- Copy of the Deceased's National ID or Passport — or a birth certificate where the deceased is a minor.
- Copy of the Claimant's National ID or Passport — for identification and verification.
- Burial Permit or Death Certificate — as required by the insurer to confirm the death.
- Medical or Hospital Report — where applicable, to establish the cause of death.
- Police Abstract or Accident Report — where death resulted from an accident and such documentation is required.
- Proof of Relationship or Beneficiary Details — where necessary to confirm eligibility.
- Payment Details — for settlement of an approved claim.
The insurer may request additional documents depending on the circumstances of the claim. The 48-hour timeframe is an indicative expedited settlement, not a guarantee for every claim.
Why Choose Wysline Insurance Agency?
Understand Your Needs
We help you understand your individual and family funeral protection needs.
Compare Your Options
Compare available Last Expense Insurance options and choose benefit limits within your budget.
Know The Terms
We explain waiting periods, age limits and exclusions before you buy, then help you complete the application.
Claims And Servicing
Access claims guidance and ongoing policy servicing. Our commitment is to walk the protection journey with you and your family.
Frequently Asked Questions
What is the cheapest Individual Last Expense Insurance in Kenya?
Birdview Microinsurance's published standard individual Last Expense plan starts from KSh 510 a year for KSh 50,000 in funeral benefits. This is a provider-specific starting price, not necessarily the lowest available across the Kenyan insurance market.
Can I buy funeral insurance without joining a chama?
Yes. Individual and family Last Expense Insurance options are available without requiring membership in an organised group.
Can I cover my parents and parents-in-law?
Yes. Extended Family Last Expense plans may include eligible parents and parents-in-law, subject to the insurer's age limits and policy conditions.
Can I cover my siblings?
Yes. Birdview offers a separate Extended Family option including siblings, subject to eligibility.
Are Last Expense premiums paid monthly or annually?
The premiums shown on this page are annual rates. Any alternative payment arrangements should be confirmed with the insurer.
Are claims paid within 48 hours?
Qualifying claims may be processed within 48 hours of receipt of complete documentation where the insurer offers expedited settlement. Actual processing time depends on verification, policy terms and the circumstances of the claim.
Is there a waiting period?
Waiting periods depend on the selected plan and cause of death. It is important to review the applicable waiting period before purchasing cover.
If the principal member dies, does the family cover end immediately?
Not always. Many plans keep the remaining family members covered until the policy's renewal date, and some allow the spouse to take over the policy. Check the continuation terms before choosing a plan.
Can I add a new family member mid-policy?
Usually, yes. You can add a newborn or new spouse during the year by paying a pro-rated premium. A short waiting period may apply to the new member before they are covered.
A Dignified Farewell Is An Act Of Love
Planning for it is an act of financial responsibility. Whether you want to protect yourself, your spouse and children, or your parents and parents-in-law, Wysline Insurance Agency is here to help you find suitable and affordable funeral insurance.
Published rates: Premiums shown are Birdview Microinsurance's published annual standard-plan rates and may change. Final premiums are confirmed in the formal quotation.
Policy terms govern: Benefits, limits, waiting periods, exclusions and eligibility vary by insurer and plan. Please refer to the applicable policy documents for the full terms and conditions.