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VIP Multiplier

VIP Multiplier is a plan in a policy designed to meet the needs of informed investors desiring consistent growth in terms of capital appreciation and a better than average return on investment in the long term. The plan adopts conservation and an income guarantee suitable for conservative investors.

The plan is an inflation resistant wealth accumulation medium designed for broad spectrum of self employed individuals, corporate organizations, as well as goal oriented employees desiring a future income that does not fall below normal standard of living.


  • Minimum single premium investment of Kshs. 100,000.00, with a top up option at discretion of the policyholder.
  • VIP policyholders shall be issued with annual statements of account based on the performance of the pool.
  • Provides quarterly pool performance update to enable the policyholders keep abreast of the investment environment as well as the performance of the poll on quarterly basis.
  • The investment pool is subject to valuation by the consulting actuary on quarterly basis to ensure assets match liabilities
  • The product allows withdrawal beginning from 2nd year to 4th year, the withdrawals are allowed up to a maximum of 10% of the account balance and 100% from 5th year onwards without penalty.


  • At maturity the cumulative value of the investment becomes payable
  • Flexible payment options: convert the benefit to an education annuity, part lump sum and balance converted to annuity, or defer payment and continue fund growth.
  • The policyholder may choose to surrender the full amount of his account at any time during the term subject to surrender penalty as stipulated in the policy.
  • Superior performance above the market average
  • Tax exemption on investment and maturity benefits
  • Transparency through segregation of the pool
  • Claims commitment- the claim for the VIP product is payable within 72 hours after the claim.
  • Offers free last expense benefit which is 10% of the sum capital subject to a maximum of Kshs. 100,000.00.
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