Kenya · InsuranceLifeInsurance
Secure your family's future — because the people you love deserve financial protection
Trusted Cover
Kenya · Acentria
About This Cover
Why Life Insurance?
Acentria Life Insurance plans provide financial security for your loved ones in the event of death, disability, or critical illness. Whether you're looking for term cover, whole-life protection, or investment-linked plans, we have a solution that fits your life stage and goals.
"Secure your family's future — because the people you love deserve financial protection"
Coverage Details
What's Covered
Life Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Death benefit paid to your beneficiaries
Permanent disability cover
Critical illness benefit
Funeral expense cover
Education protection for children
Investment and savings component (whole-life plans)
Flexible premium payment options
Tax relief on life insurance premiums (up to KES 60,000/yr)
Policy loans available against cash value
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Individual Life Assurance
Flexible life cover that pays a lump sum to your beneficiaries upon death or permanent disability. Choose your sum assured and premium level.
- Death benefit
- Permanent disability
- Critical illness rider
- Flexible sum assured
Term Life Insurance
Affordable pure protection for a defined period (5, 10, 15, or 20 years). No savings component — maximum cover at minimum cost.
- Fixed term (5–20 years)
- Level or decreasing cover
- Convertible to whole life
- Very affordable premiums
Whole Life Insurance
Lifelong protection with a cash value component that grows over time. Provides both insurance cover and a long-term savings vehicle.
- Lifetime cover
- Cash value accumulation
- Policy loans available
- Paid-up option
Education Protection Plan
Guarantees your children's education fees will be paid even if you are no longer around. Covers primary, secondary, and tertiary education.
- Education fund payout
- Waiver of premium on death
- Flexible payout schedule
- Multiple children covered
Acentria Last Expense
Dignified farewell cover that pays a cash benefit within 48 hours of notification to meet funeral and related expenses.
- 48-hour claims payout
- No medical exam required
- Cover up to KES 1,000,000
- Family members covered
Critical Illness Cover
Pays a lump sum on diagnosis of specified critical illnesses including cancer, heart attack, stroke, and kidney failure.
- 30+ critical illnesses covered
- Lump sum payout on diagnosis
- Standalone or rider
- No hospitalisation required
Personal Accident Cover
Covers accidental death, permanent disability, and temporary disability with weekly income benefits and medical expense reimbursement.
- Accidental death benefit
- Permanent disability
- Temporary disability income
- Medical expenses
Annuities & Income Draw-Down
Convert your retirement savings into a guaranteed income stream for life. Choose between fixed annuity, income draw-down, or a combination.
- Guaranteed lifetime income
- Income draw-down flexibility
- Joint-life option
- Spouse's pension on death
Why Acentria
Why Choose Us
Tax Relief Benefits
Enjoy up to KES 60,000 annual tax relief on life insurance premiums under the Income Tax Act.
48-Hour Claims Payment
We prioritise fast claims settlement so your family receives financial support when they need it most.
Flexible Premiums
Pay monthly, quarterly, semi-annually, or annually. We accommodate your cash flow.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
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How Much Will It Cost?
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
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Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Claim
SME Fleet Owner
A Nairobi-based SME fleet owner suffered a serious rear-end collision on the Thika Superhighway. Acentria lodged the claim, appointed an approved repairer, and managed all insurer correspondence. The full repair cost was paid and the vehicle returned to the road in 12 working days — minimising lost business income.
Amount Paid
KES 1,850,000
Settlement
12 days
Health — Emergency Hospitalisation
Corporate Professional
A Nairobi-based corporate professional required an emergency appendectomy at Aga Khan Hospital. Acentria obtained pre-authorisation within 2 hours of notification. The hospital bill was settled directly with the insurer — the client paid nothing out of pocket and was discharged within 5 days.
Amount Paid
KES 340,000
Settlement
5 days
Home — Burglary & Theft
Private Individual
A Karen homeowner returned from travel to find electronics and valuables stolen during a break-in. Acentria lodged the police abstract and supported the client through the claims documentation. New-for-old replacement at current market value was settled in 8 working days — no depreciation applied.
Amount Paid
KES 680,000
Settlement
8 days
Business — Fire & Business Interruption
Industrial Area SME
An electrical fire at an Industrial Area warehouse destroyed a significant portion of stock. Acentria appointed a specialist loss adjuster within 24 hours and activated the business interruption cover simultaneously. Stock replacement and ongoing business expenses were paid throughout the rebuild — total settlement reached in 18 working days.
Amount Paid
KES 4,200,000
Settlement
18 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Life Insurance.
Speak with one of our Kenya specialists today and get a personalised solution within 24 hours.
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