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Even when you are not there.

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Life is full of uncertainties. We will be there for you in the ups, downs & everything in between.

Why Family Protector

As a family’s breadwinner, you should ensure that the future of dependents is secured in the event of an untimely death by getting this policy. Because of its relatively low premium cost and flexible terms ranging between 1 to 30 years families from all income levels are covered and the best thing is that loans can be secured without any surrender value.

CIC Family Protector has been designed with the specific purpose of securing the welfare of dependents in the event of the untimely death of the breadwinner. Premiums varies based on the age band and policy term.

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  • A minimum Sum Assured of 75,000 and there is no maximum
  • Optional benefits: Accidental Death, Personal accident, Critical Illness and Funeral Expense
  • Its payment frequencies are monthly, quarterly, semiannually and annually

Why Family Life Plan

The policy provides a shared life cover that pays on the first death of any declared family member. The policy runs for a term of 5 years, premiums are payable annually or as a single premium.

The product provides cover for funeral expenses to declared family. The product covers self, spouse, four children below the age of 18 years and a total of two parents be they parents or parents-in-law.

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Why Diaspora Last Expense

This solution caters for the last expense to ensure that the people of Malawi living in the Diaspora receive a dignified funeral and return home in the unfortunate event of death.

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Why Diaspora Return Ticket

The cover provides a shared cover in case of the death of either of parents, spouse, children or siblings who live in Kenya. 

The sum assured provided can be used to purchase a travel ticket and for contributions towards the funeral expense for the departed. The amount is payable once on the first demise of any of the above dependents during the insurance period.

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Frequently Asked Question on Life Protection Solutions

Do Family Protector Policy cover funeral expenses?

With this cover funeral expenses are taken care of ensuring those left behind aren’t met with bills. The Minimum application age is 18 years and maximum age being 74 years.

How do I pay my life Insurance Policy using Mpesa?

Here is how to make payment to your life insurance policy using Safaricom M-Pesa PayBill numbers.

  1. Go to M-Pesa on your phone menu
  2. Select Lipa na M-Pesa
  3. Select PayBill
  4. Enter the Business Number as 600111.
  5. Enter the Account Number which is your policy number.
  6. Enter the amount you want to pay
  7. Enter your Secret M-PESA PIN
  8. Confirm if the details are okay
  9. Press OK to complete the transaction.

Once the process is completed successfully, you will receive the MPESA acknowledgement to the CO-OPERATIVE INSURANCE COMPANY LIFE DIVISION.

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