{"id":1037,"date":"2024-03-07T13:31:30","date_gmt":"2024-03-07T10:31:30","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=1037"},"modified":"2025-06-26T17:39:53","modified_gmt":"2025-06-26T14:39:53","slug":"best-life-insurance-in-kenya-2024","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/","title":{"rendered":"The Ultimate 3-Step Guide to the Best Life Insurance in Kenya"},"content":{"rendered":"\n<p>When getting the best life insurance in Kenya, a comprehensive need analysis is needed. Previous experience with life insurance in Kenya hasn&#8217;t been the best. After collecting a lot of feedback from existing clients we have decided to develop the ultimate guide to getting the best life insurance in Kenya.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69feb698de2f6\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69feb698de2f6\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Why_life_insurance_in_Kenya\" >Why life insurance in Kenya?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Protection\" >Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Tax_Benefits\" >Tax Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Act_as_income_replacement\" >Act as income replacement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Great_life_insurance_riders\" >Great life insurance riders<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Best_life_insurance_in_Kenya_How_much_life_insurance_do_you_need\" >Best life insurance in Kenya: How much life insurance do you need?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Best_life_insurance_in_Kenya_Estimate_Method\" >Best life insurance in Kenya: Estimate Method<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Step_1_Add_all_your_financial_obligations\" >Step 1: Add all your financial obligations:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Step_2_Subtract_all_your_liquid_assets\" >Step 2: Subtract all your liquid assets<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Best_life_insurance_in_Kenya_10_Times_Your_Income\" >Best life insurance in Kenya: 10 Times Your Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#Best_life_insurance_in_Kenya_DIME_Formula\" >Best life insurance in Kenya: DIME Formula<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#The_various_types_of_life_insurance_and_the_best_possible_purpose\" >The various types of life insurance and the best possible purpose<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-life-insurance-in-kenya-2024\/#What_are_the_factors_to_consider_to_help_you_get_the_best_life_insurance_in_Kenya\" >What are the factors to consider to help you get the best life insurance in Kenya?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_life_insurance_in_Kenya\"><\/span>Why life insurance in Kenya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Life insurance in Kenya tends to be a bit misunderstood therefore today we shall look at some of the reasons why you need this guide to get the best life insurance in Kenya. There are however three essential facts about life insurance in Kenya we need to understand before we proceed:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Life insurance policies are not an on-demand financial product.<\/li>\n\n\n\n<li>Life insurance policies are not investment products or investment replacement products but can be used to protect your investments.<\/li>\n\n\n\n<li>You can take more than one life insurance policy subject to your needs.<\/li>\n<\/ol>\n\n\n\n<p>What are some of the reasons why you will need life insurance in Kenya?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Protection\"><\/span>Protection <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you run a business, have a family or any dependants, a life insurance policy will provide a financial safety net that would be of great benefit to them in the event of your death. With a life insurance cover in place, a lump sum payment that is tax-free is made available to your dependants as long as all premiums are up to date and no pending insurance loans are attached to your policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_Benefits\"><\/span>Tax Benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some of the best life insurance in Kenya tax benefits include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>15% tax relief on all your monthly premiums up to a maximum of 5,000\/= a month that you can claim during your annual tax filing. This option is available on policies that are longer than 10 years. However, some insurance companies have been able to negotiate even for short-term policy length.<\/li>\n\n\n\n<li>All benefits accrued on your life insurance cover upon death are paid to your beneficiaries and next of kin tax-free.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Act_as_income_replacement\"><\/span>Act as income replacement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>What would happen to your family if your income or your business disappeared? With a whole life insurance in Kenya you can ensure<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Any mortgage debt is paid up.<\/li>\n\n\n\n<li>Your family can still afford medical care, child care, and other crucial services.<\/li>\n\n\n\n<li>Your child&#8217;s education or college expenses are met.<\/li>\n\n\n\n<li>Any debt you have is cleared.<\/li>\n\n\n\n<li>The continuity of the business that you have already established.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Great_life_insurance_riders\"><\/span>Great life insurance riders<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some of the best life insurance in Kenya optional riders include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Critical Illness Rider:<\/strong> This provides a lump-sum payment in the event of a first diagnosis of a critical illness. The types of critical illness will be mentioned in your policy.<\/li>\n\n\n\n<li><strong>Personal Accident Cover:<\/strong> This rider can provide of double benefit payout following death through an accident. It also provides benefits in the event of permanent total disability following an accident.<\/li>\n\n\n\n<li><strong>Waiver of Premium Rider:<\/strong> Following either permanent total disability or diagnosis of a critical illness, this rider ensures your life cover stays in place but you will not pay more premiums.<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-fill\"><a class=\"wp-block-button__link has-text-color has-background has-link-color has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.amssurity.co.ke\/life-insurance\/quote\" style=\"border-radius:10px;color:#004ab4;background-color:#ffd100\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Book your free consultation <\/strong><\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-1024x1024.webp\" alt=\"A picture of hands showing the possibility of  taking more than 1 life insurance in Kenya. best life insurance in Kenya\" class=\"wp-image-1053\" srcset=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-1024x1024.webp 1024w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-300x300.webp 300w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-150x150.webp 150w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-768x768.webp 768w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-420x420.webp 420w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-184x184.webp 184w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post-120x120.webp 120w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2024\/03\/timeline-post.webp 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_life_insurance_in_Kenya_How_much_life_insurance_do_you_need\"><\/span>Best life insurance in Kenya: How much life insurance do you need?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You have probably been told life insurance is a good place to start when it comes to your wealth protection. &#8220;How much do I need to ensure have provided enough protection?&#8221; is your next question.<\/p>\n\n\n\n<p>There are three most commonly used methods used to determine how much life insurance you need: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_life_insurance_in_Kenya_Estimate_Method\"><\/span>Best life insurance in Kenya: Estimate Method<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This will consider everything you have, so get a total of your financial obligation less any liquid assets<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Add_all_your_financial_obligations\"><\/span>Step 1: Add all your financial obligations:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ol style=\"list-style-type:lower-roman\" class=\"wp-block-list\">\n<li>Your annual salary \u00d7 number of years you would like to replace it for.<\/li>\n\n\n\n<li>Your mortgage loan balance if any.<\/li>\n\n\n\n<li>Any other unforgivable loans such as student loans, credit card loans, and Sacco loans name them. <\/li>\n\n\n\n<li>Future estimate cost of your children&#8217;s education<\/li>\n\n\n\n<li>Estimated funeral costs<\/li>\n\n\n\n<li>Estimated replacement cost of non-financial contributions provided by a stay-at-home parent.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Subtract_all_your_liquid_assets\"><\/span>Step 2: Subtract all your liquid assets<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ol style=\"list-style-type:lower-roman\" class=\"wp-block-list\">\n<li>From that subtract all liquid assets such as savings, any current life insurance policies, pension fund, schooling fund if any.<\/li>\n\n\n\n<li>The number left would be the ideal amount of life insurance you need.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_life_insurance_in_Kenya_10_Times_Your_Income\"><\/span>Best life insurance in Kenya: 10 Times Your Income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is one of the most commonly used methods that says to take your monthly income multiplied by 12 and then that figure with 10<\/p>\n\n\n\n<p>(Monthly Gross Salary \u00d7 12 ) \u00d7 10<\/p>\n\n\n\n<p>e.g <\/p>\n\n\n\n<p>(50,000\u00d7 12) \u00d7 10 = 6,000,000<\/p>\n\n\n\n<p>This is a great place to start however, some of its disadvantages are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>It does not take into consideration the financial needs of the family.<\/li>\n\n\n\n<li>It does not consider the non-financial contributions of a stay-at-home parent.  As this parent would need to pay for someone else to do the work they used to do.<\/li>\n\n\n\n<li>It does not take into consideration any other existing insurance policies and liquid investments.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_life_insurance_in_Kenya_DIME_Formula\"><\/span>Best life insurance in Kenya: DIME Formula<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is our favorite formula and for some good reasons.  DIME is an acronym for Debt, Income, Mortgage, and Education. It considers these four areas <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Debt<\/strong>: What debt do you have that must be paid even in death? Helb loans, credit card loans, Sacco loans name them. <\/li>\n\n\n\n<li><strong>Income<\/strong>: You will need to decide how many years you will need  to provide income for your family for<\/li>\n\n\n\n<li><strong>Mortgage<\/strong>: Looking into how mortgage loan that is remaining and not insured.<\/li>\n\n\n\n<li><strong>Education<\/strong>: The estimated cost of your children&#8217;s education.<\/li>\n<\/ol>\n\n\n\n<p><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/how-much-life-insurance-do-i-need\" target=\"_blank\" rel=\"noopener\">Nerdwallet<\/a> has a detailed write-up on the other ways in which you can calculate your life insurance amount.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_various_types_of_life_insurance_and_the_best_possible_purpose\"><\/span>The various types of life insurance and the best possible purpose<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>There are several types of life insurance policies in Kenya.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Endowment<\/strong>: Pays out either at maturity or upon death whichever comes first. The most expensive life insurance with very low maturity interest\/dividends paid out. Best used for planning purposes, especially for the purchase of physical assets, and provide a lump sum in addition to your pension fund while still providing protection<\/li>\n\n\n\n<li><strong>Whole Life<\/strong>: A plan that pays out only in death. Depending on how long you want to pay for it, it is a mid-cost life insurance policy plan. You can opt to pay for 10 years, 15 years, 20 years, 60 years, until 65, or a lifetime. It is a mid-cost cover slightly cheaper compared to an endowment cover. It is also called permanent life insurance. This policy is best taken for protection, liquid inheritance, and income drawdown.<\/li>\n\n\n\n<li><strong>Term Life<\/strong>: It is cheaper than the whole life and endowment life insurance policy. It offers purely death benefits if death occurs within the duration of the insurance period. This product is the best taken as a mortgage protection or key man insurance.<\/li>\n\n\n\n<li><strong>Critical Illness Cover: <\/strong>This purely offers cover in the event of the first diagnosis of a major critical illness.  The list of illnesses covered will be mentioned in your policy. The payment will be made in a lump sum amount.<\/li>\n\n\n\n<li><strong>Funeral cover<\/strong>: This policy offers purely benefits at death to contribute towards funeral costs. Any amount left over and above can be used at the discretion of the family<\/li>\n\n\n\n<li><strong>Hospicash<\/strong>: This type of life insurance policy offers benefits following hospital admission and it kicks in to replace your daily income for the days you will be incapacitated. The policy is ideal for solo entrepreneurs or people who without them, their family has no income available.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_factors_to_consider_to_help_you_get_the_best_life_insurance_in_Kenya\"><\/span>What are the factors to consider to help you get the best life insurance in Kenya?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Now that we have discussed why you need life insurance and how much you need, let us discuss the factors you need to consider to enable you to get the best life insurance in Kenya.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Establish why you need life insurance. Is it for income replacement, paying off debts, or inheritance for your loved ones?<\/li>\n\n\n\n<li>Know how much protection you need using any of the above methods discussed.<\/li>\n\n\n\n<li>Decide how much you can afford. Remember all the above two points can help you plan. You can take more than 1 life insurance policy subject to affordability.<\/li>\n\n\n\n<li>Get the right policy. This means understanding if an endowment plan, whole life, or term life insurance makes the most sense for you. If you don&#8217;t know what any of these are, <a href=\"https:\/\/www.amssurity.co.ke\/life-insurance\/quote\" target=\"_blank\" rel=\"noreferrer noopener\">book a free consultation with us<\/a>. <\/li>\n\n\n\n<li>Understand the insurance language, surrender value, premiums, rider, and paid-up policy, It can be complex but we have created a multitude of <a href=\"https:\/\/www.amssurity.co.ke\/blog\/\">resources<\/a> to help you know what each means.<\/li>\n\n\n\n<li>Check out your insurer. An insurance policy is only as good as the insurance company behind it. The best life insurance policy in Kenya will always come from a company with a good track record of paying claims, strong financial muscle, and keeping its promises.<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.amssurity.co.ke\/life-insurance\/quote\" style=\"border-radius:10px;color:#004ab4;background-color:#ffd100\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Talk to an agent <\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p>Best life insurance in Kenya policy anyone? We will not let you drown. We compare life insurance companies that meet your needs and will walk with your family or business at their point of need. <\/p>\n\n\n<div class=\"wpforms-container wpforms-container-full wpforms-block wpforms-block-faa2d389-a36d-4054-902e-f20cc6175107 wpforms-render-modern\" id=\"wpforms-1057\"><form id=\"wpforms-form-1057\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1057\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/blog\/wp-json\/wp\/v2\/posts\/1037\" data-token=\"393f21ea65061707c940957a2d664c36\" data-token-time=\"1778300568\"><div class=\"wpforms-head-container\"><div class=\"wpforms-title\">Request For a Call Back<\/div><\/div><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-hidden\" id=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-field-container\"><div id=\"wpforms-1057-field_12-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"12\"><label class=\"wpforms-field-label\" for=\"wpforms-1057-field_12\">Name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-1057-field_12\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][12]\" aria-errormessage=\"wpforms-1057-field_12-error\" required><\/div><div id=\"wpforms-1057-field_5-container\" class=\"wpforms-field wpforms-field-phone\" data-field-id=\"5\"><label class=\"wpforms-field-label\" for=\"wpforms-1057-field_5\">Phone <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"tel\" id=\"wpforms-1057-field_5\" class=\"wpforms-field-large wpforms-field-required wpforms-smart-phone-field\" data-rule-smart-phone-field=\"true\" name=\"wpforms[fields][5]\" aria-label=\"Phone\" aria-errormessage=\"wpforms-1057-field_5-error\" required><\/div><div id=\"wpforms-1057-field_13-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"13\"><label class=\"wpforms-field-label\" for=\"wpforms-1057-field_13\">Email <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-1057-field_13\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][13]\" spellcheck=\"false\" aria-errormessage=\"wpforms-1057-field_13-error\" required><\/div><div id=\"wpforms-1057-field_7-container\" class=\"wpforms-field wpforms-field-checkbox wpforms-list-2-columns\" data-field-id=\"7\"><fieldset><legend class=\"wpforms-field-label\">I am interested in <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-1057-field_7\" class=\"wpforms-field-required\"><li class=\"choice-9 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_9\" name=\"wpforms[fields][7][]\" value=\"Health insurance\" aria-errormessage=\"wpforms-1057-field_7_9-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_9\">Health insurance<\/label><\/li><li class=\"choice-7 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_7\" name=\"wpforms[fields][7][]\" value=\"Company Health insurance\" aria-errormessage=\"wpforms-1057-field_7_7-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_7\">Company Health insurance<\/label><\/li><li class=\"choice-11 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_11\" name=\"wpforms[fields][7][]\" value=\"Child Only Health insurance\" aria-errormessage=\"wpforms-1057-field_7_11-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_11\">Child Only Health insurance<\/label><\/li><li class=\"choice-8 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_8\" name=\"wpforms[fields][7][]\" value=\"Car insurance\" aria-errormessage=\"wpforms-1057-field_7_8-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_8\">Car insurance<\/label><\/li><li class=\"choice-10 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_10\" name=\"wpforms[fields][7][]\" value=\"Business insurance\" aria-errormessage=\"wpforms-1057-field_7_10-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_10\">Business insurance<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_5\" name=\"wpforms[fields][7][]\" value=\"Home insurance\" aria-errormessage=\"wpforms-1057-field_7_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_5\">Home insurance<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_6\" name=\"wpforms[fields][7][]\" value=\"WIBA insurance\" aria-errormessage=\"wpforms-1057-field_7_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_6\">WIBA insurance<\/label><\/li><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_1\" name=\"wpforms[fields][7][]\" value=\"Life insurance\" aria-errormessage=\"wpforms-1057-field_7_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_1\">Life insurance<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_4\" name=\"wpforms[fields][7][]\" value=\"Travel insurance\" aria-errormessage=\"wpforms-1057-field_7_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_4\">Travel insurance<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_2\" name=\"wpforms[fields][7][]\" value=\"Property insurance\" aria-errormessage=\"wpforms-1057-field_7_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_2\">Property insurance<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-1057-field_14-container\" class=\"wpforms-field wpforms-field-date-time\" data-field-id=\"14\"><fieldset><legend class=\"wpforms-field-label\">Call Me On <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><div class=\"wpforms-field-row wpforms-field-large\"><div class=\"wpforms-field-row-block wpforms-date-type-datepicker\"><div class=\"wpforms-datepicker-wrap\"><input type=\"text\" id=\"wpforms-1057-field_14\" class=\"wpforms-field-date-time-date wpforms-datepicker wpforms-field-required\" data-date-format=\"m\/d\/Y\" data-limit-days=\"mon,tue,wed,thu,fri\" data-disable-past-dates=\"1\" data-disable-todays-date=\"0\" data-input=\"true\" name=\"wpforms[fields][14][date]\" aria-errormessage=\"wpforms-1057-field_14-error\" required><a title=\"Clear Date\" data-clear class=\"wpforms-datepicker-clear\" style=\"display:none;\"><\/a><\/div><label for=\"wpforms-1057-field_14\" class=\"wpforms-field-sublabel after\">Date<\/label><\/div><div class=\"wpforms-field-row-block\"><input type=\"text\" id=\"wpforms-1057-field_14-time\" class=\"wpforms-field-date-time-time wpforms-timepicker wpforms-field-required\" data-time-format=\"g:i A\" data-step=\"30\" data-rule-time12h=\"true\" data-min-time=\"09:00am\" data-max-time=\"05:00pm\" data-rule-time-limit=\"true\" name=\"wpforms[fields][14][time]\" aria-errormessage=\"wpforms-1057-field_14-time-error\" required><label for=\"wpforms-1057-field_14-time\" class=\"wpforms-field-sublabel after\">Time<\/label><\/div><\/div><\/fieldset><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-recaptcha-container wpforms-is-recaptcha wpforms-is-recaptcha-type-v3\" ><input type=\"hidden\" name=\"wpforms[recaptcha]\" value=\"\"><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"1057\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/1037\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1057\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container -->","protected":false},"excerpt":{"rendered":"<p>When getting the best life insurance in Kenya, a comprehensive need analysis is needed. Previous experience with life insurance in [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1052,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[6],"tags":[13,12,14,10,9],"class_list":["post-1037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-in-kenya","tag-amssurity","tag-amssurity-insurance-agency","tag-insurance-companies-in-kenya","tag-insurance-in-kenya","tag-life-insurance-in-kenya"],"modified_by":"Agnes Mukulu","_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/1037","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=1037"}],"version-history":[{"count":10,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/1037\/revisions"}],"predecessor-version":[{"id":2557,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/1037\/revisions\/2557"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/1052"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=1037"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=1037"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=1037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}