You won’t believe what I’m about to show you. In fact, you might even try to recheck the math — thinking I’m exaggerating. But I’m not.
I keep saying this: the simplest way to create an inheritance for your children is through Whole Life Insurance.
No other investment strategy I know beats it — and if you think there is, I welcome your thoughts in the comments.
Now, imagine you want to leave your family Ksh 35 million as an inheritance. Should you buy a property through a mortgage or build that inheritance through a Whole Life Insurance policy?
Let’s compare both.
Option 1: The Mortgage Strategy
- Property Value: Ksh 35,000,000
- Loan Amount: Ksh 35,000,000
- Loan Tenure: 15 years
- Interest Rate: 12% per annum
- Monthly Repayment: Ksh 420,059
By the end of 15 years, you will have paid Ksh 75,610,588.
Of that:
- Ksh 35,000,000 goes toward principal
- Ksh 40,610,588 is pure interest
That’s over Ksh 40 million in interest — gone forever.
Are we together? Good.
Option 2: The Whole Life Strategy
- Age: 40 years
- Health: Standard, good health
- Sum Assured: Ksh 35,000,000
- Payment Term: 15 years
- Monthly Premium: Ksh 30,659
- Critical Illness Cover: Ksh 7,000,000
- Accidental Disability Cover: Ksh 5,000,000
- Bonus Accumulation (2.5% p.a. for 15 years): Ksh 13,125,000
- Tax Relief (15% of Premium): Ksh 827,806
Total Benefits: Ksh 48,952,806
So, for just Ksh 30,659 monthly, you instantly build a guaranteed inheritance plan worth Ksh 35 million today — growing to Ksh 48.95 million in 15 years!
And it doesn’t stop there — you also get income protection through critical illness and disability coverage. If anything happens, your family still wins.
The Verdict
How many people can afford to pay Ksh 420,058.82 in monthly mortgage installments? Very few.
But nearly anyone can manage Ksh 30,659 a month to secure their family’s financial future.
So when you compare both, Whole Life wins — by miles.
It gives you:
- Protection + Wealth Creation in one plan
- Immediate inheritance value
- Guaranteed growth
- Tax relief
- Peace of mind
While the mortgage keeps you indebted, Whole Life Insurance keeps your family protected and builds generational wealth — even if you’re not around to finish paying.
Final Thought
Stop second-guessing yourself. This could be the most life-changing decision you make this year.
Protect your income. Secure your family’s future. Build a legacy that speaks even after you’re gone.
If you’re unsure where to start, I can help you structure it step by step. WhatsApp me “INHERITANCE.”
Let’s create a plan that guarantees your family’s tomorrow — today.
