Whole Life Cover
Whole Life Insurance from Wysline Insurance provides protection for your entire lifetime. When you pass away, your beneficiaries can receive a lump-sum benefit, together with any applicable accrued bonuses, helping protect your family from financial uncertainty.
Unlike term life insurance, which provides cover for a specified period, Whole Life Insurance is designed to remain in force throughout your lifetime, subject to the policy terms and continued compliance with premium requirements. It can help you create an immediate financial legacy for your dependants while giving you confidence that your family's future is better protected — enhanced with optional critical illness and accident benefits.
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Lifetime Protection
Enjoy life insurance cover designed to protect you throughout your lifetime. Unlike temporary cover, the policy does not simply expire after a fixed number of years, provided the policy remains in force and its terms are met.
Build A Financial Legacy
On death, the policy's applicable sum assured and accrued bonuses can be paid to your nominated beneficiaries or your estate where no beneficiary has been nominated — a valuable financial safety net for your loved ones.
Critical Illness Protection
Enhance your protection against major illnesses with optional critical illness cover. Subject to the policy terms, you can receive a benefit following diagnosis of a covered critical illness, easing medical and financial pressure during a difficult period.
Additional Accident Protection
Add accident cover for an additional benefit if you suffer accidental death or total and permanent disability, subject to the applicable policy terms and limits.
Flexible Premium Payment Options
Choose a premium payment period that fits your financial plans — 10, 15 or 20 years, or until age 60 or 65. With selected fixed-term options, once required premiums are fully paid, cover can continue without further payments.
Joint Cover For Couples
Protect yourself and your spouse under one coordinated plan. A joint cover option can provide benefits based on the first death or first covered diagnosis.
Medical Examination Benefits
Depending on the level of cover and applicable underwriting requirements, you may qualify for cover up to KSh 15 million without a medical examination. Higher levels of cover may require a medical assessment.
Tax Relief On Premiums
Eligible policyholders may benefit from 15% tax relief on qualifying premiums, up to KSh 60,000 annually, subject to the applicable provisions of the Income Tax Act and prevailing regulations.
Potential Annual Bonuses
Eligible policies may receive bonuses declared by the insurer, credited after the first full calendar year and accumulating alongside the policy benefit. Bonus declarations are not guaranteed and are subject to the insurer's performance.
How Whole Life Cover works
Choose Your Sum Assured
Decide the cover amount your family would receive — or work backwards from the premium you can comfortably commit to each month.
Choose Your Premium Term
Pay for a fixed term of 10, 15 or 20 years, or until age 60 or 65. With fixed-term options, once premiums are fully paid, cover continues without further payments.
Add Optional Benefits
Decide whether to include the critical illness benefit and/or the accident benefit for broader protection.
Your Policy Commences
Once the insurer receives and accepts your application and the first premium is paid, your cover begins.
The Benefit Is Paid
If the policy remains in force and an insured event occurs, the insurer pays the applicable benefit in line with the policy terms.
Choose The Structure That Fits You
Both plans are available with the joint life option, covering you and your spouse under one policy.
Plan A — Whole Life Cover
On death of the life assured, 100% of the policy sum assured plus accrued bonuses is paid to your nominated beneficiary, or to your estate where no beneficiary has been nominated.
Plan B — Whole Life with Accelerated Critical Illness
On first diagnosis of a covered critical illness, a portion of the sum assured is paid early to the life assured, and future main benefit premiums falling due after the diagnosis date are waived.
Key benefits
- 100% of the sum assured plus accrued bonuses paid on death
- Critical illness payout on first diagnosis of a covered illness
- Additional cover for accidental death or total and permanent disability
- Guaranteed lifelong protection, with no fixed expiry term
- Annual bonus additions that can grow the value of your protection over time
- 15% tax relief on premiums paid, up to KSh 60,000 annually
Who can apply?
| Entry Age | 18 to 60 years |
|---|---|
| Free Cover Limit | Up to KSh 15 million without a medical examination |
| Sum Assured | Set with your advisor, based on your needs and budget |
| Premium Payment Term | 10, 15 or 20 years, or to age 60 or 65 |
| Payment Frequency | Monthly, quarterly, semi-annual or annual |
| Tax Relief | 15% of premiums, up to KSh 60,000 annually |
| Joint Life Option | Available — first-death or first-diagnosis basis |
Who Whole Life Cover is ideal for
Parents
Who want to create a guaranteed inheritance and continuity plan for their children.
Breadwinners
Whose families depend on their income and would be financially exposed in their absence.
Business Owners
Who are building assets but also carry obligations, and want to protect the family behind the business.
Professionals
Who are intentional about estate planning, intergenerational wealth, and financial order.
Couples
Who want to use the joint life option to protect each other under one coordinated policy.
People With Loans
Who don't want debt and disruption to fall on their dependants in their absence.
Frequently Asked Questions
What is the difference between Whole Life and a term life policy?
A term policy covers you for a fixed number of years and expires at the end of that term. Whole Life is designed to remain in force for your entire lifetime, so a benefit is payable whenever death occurs — provided the policy stays in force and its terms are met.
Can I cover my spouse too?
Yes. A joint life option is available, covering both of you under one coordinated policy. Benefits are paid on a first-death or first-diagnosis basis, depending on the plan structure selected.
Is a medical test always required?
Not always. Depending on the level of cover and the insurer's underwriting requirements, you may qualify for cover up to KSh 15 million without a medical examination. Higher levels of cover generally require a medical assessment.
What happens if I stop being able to pay the premium?
Policies typically include a grace period, and depending on how long the policy has been in force there may be options such as reduced paid-up cover or a surrender value. Talk to us before you miss payments — there are usually more options available than people expect.
When are annual bonuses added?
Bonuses are declared by the insurer and are generally credited after the first full calendar year, accumulating alongside the death benefit. Bonus declarations are not guaranteed and depend on the insurer's performance.
Can the policy be used as loan collateral?
Depending on the insurer and how long the policy has been running, whole life policies can accumulate a surrender value that may be used as security for a policy loan. We can confirm what applies to your specific policy.
Typical Exclusions
No benefit is generally payable where a claim arises from any of the following. Your policy document sets out the exclusions that apply to you.
- Suicide or self-inflicted injury within 2 years from policy commencement
- Any act constituting a violation of criminal law by you or a beneficiary
- Abuse of alcohol, inhalation of gas, overdose of drugs, or wilful exposure to radioactivity
- Failure to seek or accept professionally recommended medical intervention for a known condition
- Active participation in war, terrorism, riots or civil commotion (except for Kenya's disciplined forces)
- Active participation in mountaineering, horse riding, hunting, motor racing, power-boat racing or fighting (except in self-defence)
- Participation in aviation other than as a passenger on a scheduled air service
- Failure to disclose, or misstatement of, material information requested by the insurer
Get your Whole Life Cover quote
Answer a few quick questions and an advisor will follow up with a tailored quote — no obligation.
Whole Life Insurance is offered subject to the insurer's underwriting requirements, policy terms and conditions, applicable limits, and prevailing tax laws. The figures shown here are indicative rather than guaranteed product limits. Speak to Wysline Insurance for a personalised quotation and a full benefit illustration.