Working Abroad? You Can Still Secure a Whole Life Insurance Cover with Ease!

By now, you already know that whole life insurance is a powerful pillar in your financial foundation.

It’s not just a policy — it’s a promise.

A promise that if something happens to you, your children will still have the life you envisioned for them.
A shield to cover school fees, daily needs, and the lifestyle they’ve grown used to.
And a legacy plan to protect your family from financial distress.

I’ve helped many Kenyan professionals working abroad lock in solid whole life insurance covers and I keep getting the same questions.

So let me simplify it for you today.

Can I get covered while working abroad?

Yes! As long as you’re a Kenyan citizen, you can still apply even if you’re not currently in Kenya.

What’s the catch?

The main hurdle comes when medical tests are required, especially for covers above Ksh 8.5 million (sum assured).

But don’t worry — there are smart ways to handle this:

Here Are 3 Solid Options:

Do the tests in your country of residence — and the insurance company will refund the cost (usually up to Ksh 10,000).
Start with a cover of Ksh 8.5 million — no medical tests needed. Later, when you’re back in Kenya, you can upgrade.
Wait until you’re visiting Kenya to do the tests — ideal if it’s too complex to handle abroad.