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Plan with Nella
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Service · Life Insurance & Family Protection

Your family, looked after.

A plan that keeps the home, the school fees and the everyday going for the people you love, whatever happens to you.

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A mother and father relaxing on the sofa with their two young children, laughing together at home.
Who it's for

Made for people others depend on.

Parents & breadwinners

If your income pays the rent and the fees, your family needs a plan B.

Homeowners with a loan

Clear the mortgage or SACCO loan so your family keeps the house.

Employees with group cover only

Employer cover usually ends when the job does. Your own policy stays with you.

What's covered

What life cover can include.

Exact benefits depend on the ICEA LION plan you choose. I'll go through every one with you.

Confirm against ICEA LION product sheet
  • Lump sum on deathA payout to the people you name, to use as they need.
  • Critical illness & disability optionsOptional riders that pay out if serious illness or disability stops you working.
  • Last expense coverMoney paid quickly for funeral costs, so nobody has to fundraise in a hurry.
  • Easy paymentsMonthly, quarterly or annual premiums by M-PESA, bank or check-off.
Why it matters

A promise that outlives a payslip.

Picture a young family in Kitengela: two children, a car loan and a mortgage, all on one main income. If that income stopped tomorrow, how long would the savings last? With the right life cover, the loan is cleared, the fees are paid and the family has time to grieve without also having to move house. That's what I want for every family I work with.

Illustrative scenario, not a real client.
How it works

Three simple steps.

  1. Work out your number

    We add up debts, school fees and living costs, then subtract the cover you already have.

  2. Choose your plan

    I show you options side by side, with premiums and benefits explained clearly.

  3. Review every year

    New baby, new home, new job? We update your cover as life changes.

Questions

Life Insurance FAQs.

Can't see yours? Send me a WhatsApp. I usually reply the same day.

How much life cover do I need?
Enough to clear your debts and keep your family going for the years they would need support. Read my guide to working out your number.
I already have cover through work. Isn't that enough?
Group life is a great start, but it's often only a few times your salary and it usually ends when you leave the job. A personal policy fills the gap and stays with you.
Do I need a medical exam?
It depends on your age and the amount of cover. Many policies only need a short health questionnaire. I will tell you exactly what is required.
Who receives the money?
The beneficiaries you name on the policy. You can update them at any time, and I will help you keep them current.
Your next step

Let's build your plan together.

A free, friendly conversation. No pressure, no jargon, no obligation.

Book a Free Consultation Chat on WhatsApp