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Flexi-3 Accumulation

The plan provides a sound investment platform over a flexible period of time and guarantees substantial returns while still offering security on your investment in the event of loss and life, disability or critical illness which may hinder future contributions during the plan.


  • Dedicated investment account is opened for your portfolio
  • Automatic life cover is effected upon investment
  • Contributions can be made via a single premium or paid monthly, quarterly, half yearly or annually.
  • Minimum premium depends on the projected maturity benefit with a lower annual value of at least Ksh. 24,000.00.
  • The plan is open for investments between 5 to 20 years.
  • At the end of the plan, the total amount contributed into the investment account plus interest credited becomes payable.
  • This amount can be paid as lump sum or in annuities(spread over a number of installments)
  • The investment¬†grows at a guaranteed rate of of 6.5% p.a.


  • A minimum guaranteed annual target rate us provided at commencement.
  • At maturity, the total accumulation in the investment account is payable including returns.
  • Flexible partial withdrawal options from 20% to 50% of account balance at one third and two third of the investment plan while balance remains payable at maturity.
  • Sum assured becomes payable upon the death before maturity of the plan.
  • Permanent and temporary disability benefit, critical illness benefit, waiver of premium, critical expense and last expense benefit available.
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