If you had a goose that laid golden eggs, would you insure the eggs or the goose?
Sounds obvious, right? The goose is the source of the wealth. Yet, when it comes to life, many people do the opposite. They insure their cars, phones, and expensive electronics but forget to insure the one thing that makes everything possible: themselves.
And then, tragedy strikes.
A sudden illness. A fatal accident. A disability that makes working impossible. The family that once depended on you is left struggling—medical bills pile up, children’s school fees remain unpaid, and the lifestyle you worked so hard to provide vanishes overnight.
It’s at that moment they realize… life insurance was never unnecessary. It was essential.
Why Pure/Whole Life Insurance?
Many Kenyans think life insurance is a luxury, something only the wealthy need. But here’s the truth: If anyone depends on you financially, you need life insurance.
Take a moment to think about it:
- You pay for car insurance in case of an accident.
- You protect your phone with a screen protector.
- You insure your home and business against fire and theft.
But what about your life—the one thing that actually earns the money to pay for all these things? Without you, how will your family manage?
This is where whole life insurance comes in.Whole life insurance does two key things:
- Protects your loved ones financially when you’re gone – Your family won’t have to struggle with bills, debts, or funeral expenses.
- Helps you build wealth while you’re alive – Unlike term life insurance, whole life policies have a cash value component that grows over time and can be a source of generational wealth
Think of it as a backup financial plan—one that guarantees your family’s stability no matter what happens.
Who then Needs Whole Life Insurance?
- Breadwinners: If your income supports a family, your absence shouldn’t leave them struggling. Whole life insurance ensures they maintain their lifestyle.
- Parents: Your kids’ school fees, daily expenses, and dreams should be secured—even if you’re not around to provide for them.
- Singles & Young Professionals: Life insurance isn’t just for those with families. It also helps build a financial foundation, protects you in case of disability, and offers savings benefits.
Life insurance isn’t just about death benefits—it also acts as a financial safety net when life takes an unexpected turn. It comes with additional rider benefits such as;
- Critical Illness Cover – If you’re diagnosed with a critical illness, this means that medical bills pile up, and your income stops while you focus on treatment. With this cover, your insurance pays out a lump sum so you can afford medical care and daily expenses.
- Total and Permanent Disability (TPD) Cover – A serious accident leaves you unable to work ever again. Without an income, your financial goals come to a halt. This cover replaces your lost income, helping you maintain financial independence.
These riders act as your financial backup plan—ensuring you can still meet your financial obligations even when life throws the unexpected your way.
Lastly,
Many people focus on making money, but few think about protecting it.
What’s the point of growing your wealth if one accident, illness, or unexpected event can wipe it all away? The truth is, wealth creation and wealth protection must go hand in hand. Life insurance is your shield against financial uncertainty, ensuring that all the wealth you’re building isn’t lost overnight.
Too many people ignore life insurance until tragedy strikes. Don’t let that be your story. The best time to get insured is when you don’t need it yet. Book a Life Insurance Consultation Now and get a plan that guarantees security for you and your loved ones. Because when life happens, you don’t want to be the one who called it unnecessary—until it was too late.
Because when life happens, you don’t want to be the one who called it unnecessary—until it was too late.