What is the waiting period?

Typically 6 months for death by natural causes (longer for some pre-existing conditions); accidents are covered from day one. The waiting period is what keeps premiums affordable — without it, the product would be priced as full life assurance.

Up to what age can I take last expense?

Entry ages vary by insurer but are typically up to 70 for new policies. Once on cover, most policies are renewable for life with continuous premium payment. For elderly parents above the entry age, we look at group or sacco-based schemes which sometimes have higher age limits.

Is this better than a normal life policy?

It is complementary, not substitute. Last expense pays small sums fast for funeral costs; life assurance pays larger sums (typically months later, after probate and proper claim adjudication) for long-term financial security. Most families benefit from both.

What if multiple family members die in the same incident?

Family policies pay separately for each named life. If three covered lives die in the same accident, each gets its own sum-assured payout. This is rare but it does happen, and the policy is clear about cumulative limits.

Personal Insurance

Last Expense / Funeral Insurance

Provides immediate cash to your family on the death of a covered family member — funeral costs, bereavement expenses, and household bridging.

Get a Last Expense Quote Talk to an Advisor

Up to KES 500k payoutSame-day claim releaseWhole family optionFrom KES 500/month

Same-day

Claim Release

Up to 6

Family Members

Same-day

Claim Release

Up to 6

Family Members

Years Experience

Underwriter Partners

Claims Paid 2024

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Google Rating

Last Expense (also sold as Funeral Cover) is a specialised micro-insurance product that pays out quickly — typically within 48–72 hours of death registration — to help the family meet the immediate costs of bereavement: mortuary fees, transport, burial arrangements, catering, and the dozens of practical costs that surface in the days after a death.

Vike places last expense cover stand-alone, as a rider on life or medical policies, and as a family bundle covering the principal, spouse, children, and parents under one schedule. Unlike traditional life assurance, payment is fast, the sums assured are modest (typically KES 50K–500K per life), and the cover is genuinely designed around the practical Kenyan funeral context rather than the western 'final expense' template.

What It Covers

Lump sum payable within 48–72 hours of death registration
Cover for the principal life — typically the family breadwinner
Spouse cover at the same or reduced sum assured
Children's cover with age-banded sum assured
Parent and parent-in-law cover (extension; subject to age limits)
Cover for any cause of death after the waiting period
Funeral assistance services on selected products — body transport, casket, mortuary
Annual cover renewable for life with continuous premium payment

Who It's For

Families wanting immediate bereavement liquidity beyond standard life policies
Self-employed Kenyans without group life cover
Older parents and grandparents wanting cover for themselves and the wider family
Sacco members and chama groups taking group last expense schemes
Anyone supporting parents or extended family financially

Types We Cover

Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.

Individual Last Expense

Single life cover with chosen sum assured (typically KES 50K–500K). Premium is annual and reasonable for any age band.

Family Last Expense

Covers principal, spouse, and up to four children under one policy with a family-wide structure. The most common consumer purchase; balances cost and coverage.

Extended Family Last Expense

Adds parents and parents-in-law on the same policy. Premium increases with age of senior members. Critical for many Kenyan family financial responsibilities.

Group / Sacco Last Expense

Scheme arranged through a sacco, chama, or employer covering all members at a flat sum assured. Cheaper per member than individual cover and a strong community benefit.

Last Expense with Funeral Services

Combines the cash payout with practical funeral services — body transport, casket, mortuary, ceremony coordination. Cleaner experience for families during a difficult time.

Real-World Scenarios

Father dies suddenly — cash needed within 24 hours

Mortuary fees, transport upcountry, and immediate funeral arrangements quickly exceed KES 100K. Last expense pays the chosen sum assured within 48–72 hours of submitting the death certificate, releasing the family from making emergency-rate borrowing decisions.

Grandmother passes after a long illness

Extended family last expense covers a parent or grandparent under the same policy. The payout (typically KES 100K–200K for an elderly life) covers the practical costs of upcountry burial — transport, catering, and the dozens of small obligations of a Kenyan funeral.

Sacco member death — block cover responds

A sacco's group last expense scheme pays a flat KES 100K on every member death, with a small uplift for spouse and children. The sacco administrator handles claim filing centrally; the family receives funds with minimal paperwork.

Optional Benefits & Add-ons

Extended family — parents and parents-in-law

Funeral services package — transport, casket, ceremony coordination

Increased sum assured for principal

Critical illness early payout (advance on the eventual lump sum)

Bereavement counselling for the family

Annual increases linked to inflation

Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.

Frequently Asked Questions

Most insurers commit to 48–72 hours from receipt of death certificate and ID copies. Vike's claims team chases the insurer the same day. The speed is the whole point of the product — anything slower defeats the purpose.