I know this conversation will make some people uncomfortable.
But we must have it.
Because many parents are still being sold outdated solutions and calling them “the best education plan.”
Let’s face the bull by the horns.
Education Insurance Policies are NOT the best school fees plan for your child.
And in today’s world, they are not even the best protection products either.
Yes, I said it.
So why are they still so popular in Kenya?
Not because they are the best.
Because they are the most marketed.
For many years, education policies dominated because there were very few alternatives in the market.
And to be fair, they served a purpose.
They gave parents protection.
If a parent passed on during the policy term, the child’s education was secured through a guaranteed payout.
They created forced savings discipline.
Parents consistently saved money because the policy locked contributions until maturity.
And many families benefited from that structure.
Children stayed in school.
Parents avoided panic.
Families had some financial stability during difficult times.
But then something changed.
Better protection solutions emerged.
Better investment opportunities emerged.
And suddenly, the traditional education policy stopped being the optimal solution.
But almost nobody talks about it.
Why Traditional Education Policies Are Losing Their Edge
Today, there are solutions so powerful they make the traditional education policy look extremely weak.
Yet many parents are still stuck there because:
They have only been exposed to one narrative.
Some advisors are still pushing outdated products without updating the script.
Many people fear accepting they could have made a better financial decision.
Here is the uncomfortable truth:
When it comes to protection, Whole Life Insurance completely outclasses education policies.
It protects more than school fees.
It protects your family’s lifestyle, income, dignity, and legacy.
When it comes to investing for your child’s education, even a simple Money Market Fund can outperform many education policies.
And when you compare the numbers properly…
It starts looking like legalized underperformance.
Here’s a real example:
One of my client was contributing Ksh 48,979 monthly into an education policy.
After 16 years, the projected maturity value was Ksh 10.8M.
Now compare that to other possible structures using the same contribution:
Whole Life Protection Plan: Ksh 33.9M protection
Education Fund through MMF or Trust Structure: Ksh 14.23M
Fixed Income Fund like Arvocap Almasi Fund: Ksh 22M
Special Fund like Mansa-X: Ksh 29M
Now pause and think carefully.
Who exactly is fooling who?
Structure a Better Education Plan for Your Child
Let me help you structure the BEST education and protection plan for your child.
Just WhatsApp “BEST EDUCATION PLAN” to 0703472299.
