Changanya ulinzi wa maisha na akiba iliyohakikishwa - linganisha sera za endowment, money-back, na elimu
Mipango ya akiba ya bima inachanganya ulinzi wa bima ya maisha na sehemu ya akiba. Unalipa malipo ya kawaida, na mwishoni mwa muda wa sera, unapokea akiba yako na faida iliyohakikishwa - pamoja na kulindwa wakati wote wa muda.
Lipa malipo kwa muda uliowekwa (miaka 10-25). Ukikomaa, pokea kiasi kilichohakikishwa pamoja na bonasi. Inafaa kwa ujenzi wa mali wa muda mrefu na bima ya maisha.
Pokea malipo ya mara kwa mara (k.m., 20% kila miaka 5) wakati wa muda wa sera. Nzuri kwa mahitaji ya mara kwa mara ya malengo huku ukihifadhi bima ya maisha.
Malipo yaliyopangwa yanalingana na hatua za shule. Kukusamehe malipo ikiwa mzazi atafariki. Inahakikisha elimu ya watoto bila kujali hali.
| Kampuni | Mpango | Aina | Malipo ya Chini | Muda | Faida |
|---|---|---|---|---|---|
Jubilee InsuranceâââââMarket Leader | Fanaka Endowment Plan | Endowment | KES 3,000/month | 10-20 years | 4-6% guaranteed |
| Education Savings Plan | Education | KES 2,500/month | 5-18 years | 5% guaranteed | |
Britam InsuranceââââAffordable Options | Britam Endowment Plus | Endowment | KES 2,000/month | 10-25 years | 4-5% guaranteed |
| Elimu Plan | Education | KES 1,500/month | 5-15 years | 5% guaranteed | |
CIC InsuranceââââLow Minimums | CIC Smart Savings | Endowment | KES 2,000/month | 10-20 years | 4-5% guaranteed |
| Junior Achievers Plan | Education | KES 1,000/month | 5-18 years | 5% guaranteed | |
ICEA LionââââStrong Returns | ICEA Endowment Plan | Endowment | KES 3,500/month | 10-25 years | 5-6% guaranteed |
| Child Education Policy | Education | KES 2,000/month | 5-15 years | 5% guaranteed | |
Sanlam KenyaââââInternational Backing | Sanlam Savings Plan | Endowment | KES 2,500/month | 10-20 years | 4-5% guaranteed |
| Sanlam Education Plus | Education | KES 2,000/month | 5-18 years | 5% guaranteed | |
UAP Old MutualââââMoney-Back Options | Money Back Plan | Money-Back | KES 3,000/month | 15-20 years | 15-20% of sum every 5 years |
| Education Protector | Education | KES 2,500/month | 5-15 years | 5% guaranteed |
Familia yako inapokea kiasi kamili kilichohakikishwa hata ukifariki mapema katika sera, tofauti na akiba ya benki.
Jitolee kwa malipo ya kawaida na adhabu kwa kutoa mapema - inakusaidia kukaa kwenye njia.
Malipo ya bima yanastahiki kupunguza kodi chini ya Sheria ya Kodi ya Mapato ya Kenya (Kifungu 22B).
Tofauti na mipango iliyounganishwa na uwekezaji, mipango ya jadi ya akiba inatoa faida za chini zilizohakikishwa.
Ufadhili wa elimu? Kustaafu? Akiba ya jumla? Malengo tofauti yanafaa aina tofauti za mpango.
Jitolee tu kwa malipo unayoweza kuhimili kwa muda wote. Kusalimu amri mapema kunakupotezea thamani.
Angalia faida zilizohakikishwa dhidi ya faida zinazotabiriwa. Zilizohakikishwa ni salama zaidi.
Chagua watoa bima wenye viwango vikali vya kifedha na historia nzuri ya kutatua madai.
Most insurance savings plans in Kenya start from KES 1,000-3,000 per month depending on the insurer and plan type. CIC offers some of the lowest entry points at KES 1,000/month for education plans.
Insurance savings plans offer lower returns (4-6%) compared to fixed deposits (9-12%), but provide life cover as a bonus. They're ideal for long-term goals where protection is important. For pure savings with higher returns, fixed deposits are better.
Yes, but early surrender typically results in significant penalties. Most plans only return a portion of premiums paid if surrendered in the first few years. It's best to only commit to amounts you can sustain for the full term.
Most insurers offer a grace period (30-60 days). If you continue missing payments, the policy may lapse or convert to a paid-up policy with reduced benefits. Some plans allow premium holidays after a certain period.
Maturity proceeds from life insurance policies are generally tax-free in Kenya. Additionally, premiums paid qualify for tax relief under Section 22B of the Income Tax Act, up to KES 60,000 per year.
Linganisha amana za muda uliowekwa kwa faida za juu za muda mfupi, au tumia kikokotoo chetu cha akiba kupanga malengo yako.