Updated 10 November 2026
The Britam Tegemeo Protection Plan is a life insurance policy from Britam Life that pays your family a lump sum if you die while the policy is running. Britam says you can pay as little as KSh3,000 a month for KSh3,000,000 of death cover on a five-year policy, choose terms of 5, 10, 15 or 20 years, and add optional covers from KSh50 a month. Entry is open from age 18 to 65. This guide explains how the plan works, what the medical exam choice means, the 30-day grace period, and how to judge whether the cover is enough for your family.
Checked on 9 November 2026 against Britam’s official family protection plans page. Premiums depend on your age, health and cover, and terms can change. Get a written quote and read the policy document before you sign.
On this page
Britam Tegemeo Protection Plan: key features
| Feature | What Britam lists |
|---|---|
| Type | Life insurance paying a benefit on death while the policy is in force |
| Example premium | From KSh3,000 a month for KSh3,000,000 death cover on a 5-year policy |
| Policy terms | 5, 10, 15 or 20 years |
| Optional covers | From KSh50 a month |
| Medical exam | Optional. Without one, a 12-month wait applies before full cover |
| Grace period | 30 days from the premium due date |
| Entry age | 18 to 65 years |
| ID | Valid national ID, Kenyan passport or alien ID |
The aim is simple: if the policyholder dies, the payout helps the family meet financial obligations such as rent, school fees or a loan balance. The KSh3,000 example is a starting point. Britam says other eligibility depends on its underwriting guidelines, so your premium will depend on your age, health and the cover you choose.
Medical exam or 12-month wait: the key choice
When you apply for the Britam Tegemeo Protection Plan, you are offered the option of a medical examination. The choice changes when full cover starts:
- With a medical exam: the full sum assured is payable if you die at any time while the policy is in force.
- Without a medical exam: there is a 12-month waiting period before the full cover applies. If death or disability happens during those 12 months, Britam refunds the premiums paid, without interest.
For most families, taking the medical exam is the safer choice. The first year is when a new policy is most needed, and a refund of a few months’ premiums is far less than the cover you were paying for. If you skip the exam to save time, make sure you have other cover, such as a group life policy at work, during the waiting year.
The 30-day grace period
Britam gives a 30-day grace period after each premium due date. If the premium is still unpaid at the end of those 30 days, the policy lapses and you lose the right to any benefit. This is the most common way people lose life cover. Set up a standing order or check-off deduction, and update your payment details whenever you change banks or jobs.
Who can take the Britam Tegemeo Protection Plan
- You must be between 18 and 65 years old at entry.
- You need a valid national ID, Kenyan passport or alien ID.
- Britam may apply further criteria under its underwriting guidelines.
To sign up, Britam says you can speak to a Britam financial advisor, or request a callback through its website and an advisor will contact you. For branch and contact details, see our Britam contacts guide.
How much life cover does your family need?
Before you choose a sum assured, add up what your family would need if your income stopped:
- Outstanding debts, such as a mortgage, car loan or Sacco loan.
- School fees until your youngest child finishes school.
- Several years of household spending.
- Funeral costs. A separate last expense policy can pay these quickly.
Here is a simple worked example using the advertised figure. At KSh3,000 a month for five years, total premiums come to KSh180,000 (KSh3,000 × 60 months). In return, the family would receive KSh3,000,000 if the policyholder died during the term. That is about 17 times the total premiums paid. Your actual premium could be higher, so ask for quotes at different terms and cover levels and compare the cost per KSh1 million of cover.
Choose the term to match the need. A 20-year term suits parents of young children or someone with a long mortgage. A 5-year term may suit a short loan. Britam’s page describes Tegemeo as death cover, so ask the advisor whether anything is paid if you outlive the term.
Questions to ask before you buy
- What exactly do the optional covers include, and what do they cost at my age?
- Does the premium stay fixed for the whole term?
- Is any benefit paid at the end of the term, or is it pure protection?
- Which exclusions apply in the first year and beyond?
- How do my beneficiaries make a claim, and which documents will they need? Our guide to insurance claims at CIC, Madison and Britam explains the general process.
Getting these answers in writing is the best way to know whether the Britam Tegemeo Protection Plan fits your family’s needs.
Frequently asked questions
How much does the Britam Tegemeo Protection Plan cost?
Britam says premiums start from KSh3,000 a month for KSh3,000,000 of death cover on a five-year policy. Your premium depends on your age, health, term and cover.
Do I need a medical exam for Britam Tegemeo?
No, it is optional. With a medical exam, full cover applies from the start. Without one, you wait 12 months for full cover, and premiums are refunded without interest if death or disability happens in that time.
What is the age limit for the Britam Tegemeo Protection Plan?
The minimum entry age is 18 and the maximum entry age is 65.
What happens if I miss a premium?
There is a 30-day grace period. If the premium is not paid within it, the policy lapses and no benefit is payable.
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