Life is full of unexpected events, and we understand that you want to guarantee that your loved ones are cared for no matter what happens. Our Hekima Plan provides peace of mind by ensuring that your family's financial needs are met, even when you are not there to support them.

• Death protection with no waiting periods on accidental deaths
• Enjoy cashback for being claim-free: Get 10% of your death benefit back if you haven't made any claims by the end of the policy
• Free disability cover of up to KShs 100 M : in case of permanent disability during the cover period, the Sum Assured is paid.

• Hassle-free signup: No need for medical tests for coverage of KES 10M or less
• No limits on beneficiaries: Flexibility in choosing any number of beneficiaries for your plan
• No waiting time for accidents: Immediate coverage in case of accidents, giving you peace of mind
• Enjoy cashback for being claim-free: Get 10% of your death benefit back if you haven't made any claims by the end of the policy
• Global protection: Keep your coverage worldwide as long as you keep paying your premiums
• Financial security for your family: Your loved ones will receive a lump sum incase of your death
• Coverage for life-altering disabilities: Get a lump sum if you experience a major disability, providing essential financial support when needed.
• Coverage for critical illnesses: We give you 30% of your coverage, protecting you during life's most challenging health battles

A policyholder aged between 18 and 60 years of age.

There is no waiting period for accidental death of the insured. There is a 6-month waiting period for natural causes from the cover start date. Immediate coverage may apply for Life Assureds who have undergone medical underwriting. Cover starts on the first month following receipt of the first premium payment and a completed and signed application

You or your nominated beneficiary may go to your appointed broker, agent, or Liberty Life sales consultant to lodge the claim. All valid claims will be paid after all the required claim documents have been submitted to Liberty Life and the claim assessment complete.