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Life Insurance Myths That Cost Kenyan Families

Life insurance is the most misunderstood cover we arrange — and the myths around it leave families exposed.

Myth one: 'I'm too young to need it.' Premiums are cheapest when you're young and healthy — the best time to lock in cover. Myth two: 'It's too expensive.' Term life cover for meaningful protection often costs less per month than a family dinner out.

Myth three: 'My employer cover is enough.' Group life is usually a multiple of salary that ends when you change jobs. Myth four: 'It only pays when I die.' Modern policies include critical-illness benefits, education riders and savings components that pay out during your lifetime.

The right structure depends on your dependents, debts and goals. A twenty-minute conversation with a broker maps exactly what your family needs — and what it costs.