Life and critical illness cover
Sized to replace income, settle liabilities, or equalise an estate — not to a round number a broker suggested, but to a figure derived from your actual obligations and dependants.
Insurance Wrappers
Insurance that fits your plan, not someone else's quota.
We select, structure, and review insurance wrappers as components of your wider capital protection strategy — not as standalone products sold for commission.
Why most people are either over-insured or under-insured
Insurance wrappers — life cover, critical illness, income protection, and investment-linked bonds — are powerful capital protection tools when they're configured correctly. The problem is that most people acquire policies in response to sales calls rather than strategy. The result is a collection of overlapping, poorly-sized policies that leave critical gaps while costing more than necessary. Our approach starts with what you actually need to protect: income replacement for a specific number of years, a precise sum assured for estate equalisation, or a tax-efficient vehicle for holding medium-term capital. From that need, we work backwards to the appropriate product, provider, and structure — drawing on both Kenyan-regulated insurers and offshore platforms where appropriate.
The wrapper types we work with
Each serves a distinct function within a risk-managed capital protection plan.
Investment-linked bonds
Tax-efficient wrappers that hold investment portfolios, useful for medium-term capital accumulation with a layer of life cover, particularly for offshore-structured assets.
Income protection
Policies that replace a defined percentage of professional income during extended illness or incapacity — critical for business owners whose capital is tied to their ability to work.
Offshore platforms
For clients with assets denominated in USD or GBP, offshore insurance wrappers can provide currency matching, regulatory diversity, and efficient estate planning across jurisdictions.
“I had four separate policies from three different providers, none of which my family could have actually navigated in an emergency. Lifestylepathx consolidated them into two well-sized policies with a clear instruction document. The annual saving was almost KSh 95,000.”
James O., Kilifi — doctor and practice owner
Limits of what insurance can and cannot do
Insurance is one layer of a capital protection plan, not the whole of it. There are situations where a policy is not the right tool: if your primary risk is market concentration rather than mortality or incapacity, we'll say so, and we'll point you to a structural or risk-management solution instead. We do not hold product licences or receive commission from providers — our fee is paid by you, which means our only obligation is to find the right fit for your situation. We also review existing cover annually, because a policy that was well-sized five years ago may be inadequate or overpriced today as your circumstances, the provider's pricing, and the market have changed.
Is your current cover actually doing what you think it is?
Bring your existing policy documents to a review session — we'll map what's covered, what's not, and what it's costing you.