KWFT Insurance Agency Limited is a subsidiary of KWFT Microfinance Bank. It is licensed by the Insurance Regularity Authority (IRA) to offer both life and non life insurance business. 


  • Help you make an informed choice on finding the right product with unmatched features, at the right place. 
  • Enjoy the benefit of working with a customer focused team who will listen and work with you to provide bespoke solution for your insurance needs.
  • Review your insurance with you annually to ensure they continue to meet your requirements. 
  • Deal with enquiries and claim settlements completely and promptly. 

The insurance products provided include:


Personal accident 
Designed to cover accidental death or bodily injury to the insured customers and named immediate family members. 


  • The policy pays in case of the following:
  • Accidental death 
  • Accidental permanent disability
  • Accidental temporary disability
  • Hospital cash
  • Medical expenses
  • Funeral expenses
  • Suitable for groups, families & individuals.

Mortgage protection
Designed to cover borrowers in the event that they die or suffer permanent disability within the mortgage repayment period. 


  • The policy pays in case of the following: 
  • Death
  • Permanent disability
  • Income support
  • Suitable for all customers taking mortgage loans.

Funeral expense insurance
Designed to cover funeral expenses. 


  • It eases the pain of the bereaved family by offering a financial consolation
  • Caters for escalating costs of sending off beloved ones consolation
  • It ensures an honourable send – off of the beloved family members
  • Suitable for elderly customers

Group life assurance
Designed to cover against members death while in service before retirement date in accordance with benefits specified in the policy


Policy pays in case of: 

  • Death equivalent to specified years’ salary/ earnings
  • Permanent disability equivalent to specified years’ salary/ earnings
  • Critical illness rider

Ideal for all institutions/companies that have employees

Group credit life
Designed to cover a borrower’s debt in case the borrower dies.


  • Policy pays in case of:
  • Death 
  • Permanent disability 
  • Income support
  • Suitable for customers and staff members who have borrowed funds.


Property Insurance
Designed to cover business premises, contents and stocks


  • Cover against fire
  • Burglary cover
  • Sabotage, terrorism, mutiny, rebellion e.t.c.
  • Suitable for all business people.

Transit goods
Designed to cover for loss or damage of goods.


  • All risk cover for goods in transit 
  • Specified perils e.g. fire for goods in transit
  • Cover for a specific consignment
  • Cover for all consignments in a year 
  • Suitable for all customers transporting goods by road.


Marine Insurance
Designed to cover risks of loss or damage from fortuitous causes 

Perils covered: 

  • Sinking
  • Stranding, Fire
  • Collision
  • Sea water
  • Heavy weather
  • Contact, Explosion
  • Damage during discharge or loading Special charges incurred at the point of distress e.t.c.
  • Suitable for all customers transporting goods by sea or air.


Liability Insurance
Designed to provide indemnity to the insured in respect of the financial consequence of legal liabilities towards third parties arising out of business activities. When liabilities arise, damages or compensation becomes payable. 

The main classes of liability insurances are:

  • Public liability - Claims arising from third parties with respect to accidental bodily injury, or accidental loss of or damage to third party property.
  • Employers’ liability - Claims arising from legal liability in respect of accidental death, bodily injury or illness/disease to employees arising out of and in the course of employment.
  • Professional Indemnity - Provides cover to the professional against the enormous costs of litigation as well as financial damages that may be awarded on a law suit for errors or omissions that may occur in the course of performance of their duties. This policy is suitable for Lawyers, Doctors, Architects, Accountants e.t.c.
  • Product liability - legal liabilities for accidental injury to third parties or damage to their property caused by products sold, supplied, repaired or tested by the insured. This policy is suitable for hotels, food manufacturers, fertilizer manufacturers, e.t.c.

Suitable for public, employers and professionals.

Motor vehicle Insurance is a designed policy to provide insurance security against loss of or damage to vehicles owned. It includes:-

Private vehicles
Suitable for private car owners 

Commercial vehicles 
Suitable for School vans/buses, Church vans/buses, General cartage, own goods vehicles

Public Service vehicles
Suitable for PSV Matatus, PSV taxi’s, PSV chauffer driven etc.

Special type vehicles
Suitable for excavators, tractors, forklift etc

Scope of motor insurance policy: 

  • Third Party Only (TPO) - This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. 
  • Third Party Fire and Theft (TPF&T) – In addition to the TPO cover above; this cover extends to cover the insured’s vehicle against the risks of fire and theft, including partial theft.
  • Comprehensive - This is a superior cover as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, Earthquakes etc.


This is a composite product that provides insurance security to Small and Medium Sized Enterprises for various risks related to their businesses. 

The policy provides insurance protection for:-

  • Loss of or damage to commercial premises, stocks in trade, plant and machinery, furniture, fixtures and fittings e.t.c.
  • Burglary Insurance
  • Fidelity Guarantee Insurance
  • WIBA
  • Money Insurance
  • Accidental death or injury to business owners
  • Public liability
  • This policy is ideal for Small and Medium Enterprises for their premises, stocks, money, staff as well as other risks they are exposed to.


Designed for payment of medical expenses incurred as a result of admission to recognized hospitals.


The policy covers the following: 

  • Hospital accommodation
  • Doctors fees
  • Theatre, medicine
  • Xray
  • Ultra sounds
  • Radiotherapy 
  • Chemotherapy
  • Road evacuation amongst other costs
  • Suitable for individuals, groups and corporate bodies. 



Livestock insurance
Designed to cover death & theft of cows, goats, rabbits, pets e.t.c.

Policy covers mortality due to :

  • Accidents
  • Diseases
  • Complications during delivery
  • Emergency slaughter on medical grounds
  • Fire, Smoke, Lighting
  • Policy covers Theft

Crop insurance
Crop insurance is purchased by agricultural producers to protect themselves against:

  • Against Fire
  • Windstorm
  • Excessive rainfall
  • Uncontrollable pests and diseases
  • Drought except under irrigation farming
  • Hail

Farm Machinery & equipment - green houses.

An arrangement designed to provide an individual with an income at old age when they are no longer earning a steady income.


  • Earnings on tax deferred savings
  • Retirement Income
  • Suitable for all individuals, groups and corporate bodies.
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