Embrace a future of financial stability and growth. The Soma Plan lets you commit to a term tailored for you, amplifying your savings with reliable interest rates.

• Maximised Earnings: Propel your savings with the potential to earn up to twice your investment.
• Comprehensive Protection: Benefit from an included funeral cover up to Kshs.200,000.
• Joint Savings Advantage: Enjoy a 15% premium discount when signing up with your spouse.
• Yearly Rewards: Reap the benefit of a 2-month discount on your annual premium.
• Flexibility for Life's Ups and Downs: Adjust your premiums with inflation or decrease them during financial hiccups.

Permanent total disability cover: event of a disability/incapacitation arising out of an illness or accident

Double Accident Benefits: This benefit pays out double (2*) the sum assured in the event of accidental death of the life-assured.

Critical Illness Cover: This benefit pays out 35% of the sum assured on first diagnosis of Cancer, heart attack, Stroke, Major organ transplant, End-stage renal failure, Paraplegia, Coronary artery surgery, Aorta Surgery, and replacement of heart valve.

Waiver of premium in case of job loss: This benefit waives the premium for 6 months if the life assured is retrenched.

Yes & No. Only a blood parent or a legal guardian is allowed to insure a child under his/her policy. Therefore, the assured parent who is a registered legal guardian of his brother’s or sister’s child/children can include them in their Soma Plan cover along with their blood children or take out separate policies for each.

Own and legally adopted children only.

• The life assured may opt to voluntarily terminate the policy before maturity and withdraw the surrender value (the policy's value at termination).
• Alternatively, the insured may opt to reduce the sum insured in proportion to the premium he can pay and vice versa.

Yes, discounts will apply depending on the frequency of premium payment.

The options available are as follows:

a) Select another child to be added to the policy or, in case of a policy covering multiple children, it will remain in force for the other children.

b) If no other child can be selected, then all premiums contributed shall be refunded to the parent, or the policy surrender value, whichever is higher, will be payable to the insured parent/guardian on maturity.