- Author: Raymond
- Category: Last Expense
Mama Akinyi vs Wanjala’s Chama: Who Paid the Price of Goodbye?
Two Families, Two Realities
Mama Akinyi’s Story:
When Mama Akinyi, a 63-year-old mother of four from Kisumu, passed away, her family was heartbroken. But there was one thing they didn’t have to worry about — money. A year earlier, her eldest daughter had convinced the family to take a Last Expense Cover through Imana Insurance Agency Kenya Ltd.
Within 48 hours of submitting documents, the insurer paid out KSh. 300,000. The family used it to settle mortuary fees, buy a coffin, hire a hearse, feed mourners, and transport relatives from Nairobi and Mombasa. Mama Akinyi’s funeral was dignified. Her children grieved in peace — no harambees, no debts, no shame.
Wanjala’s Chama Story:
On the other side, Wanjala’s chama in Bungoma wasn’t so lucky. One of their long-serving members, Mr. Mutisya, died suddenly. The chama had no group funeral cover. Members were called for an emergency meeting:
- Contribution per person: KSh. 10,000.
- Some members couldn’t afford it.
- WhatsApp groups were flooded with endless requests.
- Others borrowed loans just to support the family.
The result? Bitterness. Delayed burial plans. Exhausted members. The family buried Mutisya, yes — but the financial scars lingered in the chama for months.
The Reality in Kenya
Funerals are expensive — but grief should never be about money. Families and groups across Kenya face two options:
- Scramble through harambees, loans, and strained friendships.
- Or prepare in advance with Last Expense (Funeral) Insurance.
How Last Expense Cover Works
For Individuals & Families
- Payouts from KSh. 100,000 – 500,000+
- Premiums from KSh. 200/month
- Covers spouse, children, and even parents (depending on plan).
For Groups, SACCOs, & Chamas
- Collective cover for members.
- Cheaper premiums due to pooling (from KSh. 100/member monthly).
- Quick payouts within 48–72 hours.
- Members can extend to cover their families.
Why Families & Groups Choose Last Expense Insurance
- Quick Payouts – Money is available within days, not months.
- Affordable – Cheaper than a single harambee contribution.
- Peace of Mind – Families mourn without financial panic.
- Cultural Dignity – Funerals are respected, not rushed or downgraded.
Why Choose Imana Insurance?
At Imana Insurance Agency Kenya Ltd, we don’t just sell policies — we protect dignity. With access to Kenya’s top insurers, we help individuals, families, and groups:
- ✅ Choose affordable funeral covers.
- ✅ Avoid hidden costs.
- ✅ Get quick claims processed in 48–72 hours.
- ✅ Protect loved ones when they need it most.
The Hard Truth
One day, every family will face the cost of a funeral. The only question is:
- Will you mourn in peace like Mama Akinyi’s children?
- Or scramble in panic like Wanjala’s chama?
Insurance Wisdom: Love Beyond Life
Funeral insurance isn’t about death — it’s about love. It’s a way of saying: “Even when I’m gone, I don’t want to burden you.”
At Imana Insurance, we call it: Dignity in Goodbye.
👉 Protect your family or chama today with Last Expense Cover from as low as KSh. 200/month.
🌐 www.imana.co.ke | www.mykava.co.ke
📲 WhatsApp: +254796209402 | 0745218460
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