Britam is one of East Africa’s leading financial services groups, and they have structured their product portfolio to act as a lifelong partner. They don’t just sell insurance; they provide a roadmap that transitions with you as your financial needs evolve from basic savings to legacy planning.
Here is how Britam walks with you through every phase of The Wealth Journey, along with the specific products suited for each step:
The Wealth Journey — Britam Walking With You Every Step of the Way
Step 01: Wealth Creation — Laying the Foundation
This is where it all starts: building income, protecting the earning power you already have, and turning today’s effort into tomorrow’s capital. Without a foundation — protection against life shocks, a habit of saving, a basic investment runway — every later phase is built on sand.
How Britam walks with you here:
– Tegemeo Family Protection Plan — pure life cover that safeguards your family if the unexpected happens, so an untimely death doesn’t destroy what you’ve barely begun to build.
– Family Income Protection Plan — pays out a monthly sum to your dependents, replacing lost income rather than dumping a one-off lump sum they may burn through.
– Akiba Savings Plan — an endowment product that turns saving into a habit, with a lump sum payout at maturity (or on death).
– Boresha Elimu Education Plan — savings + protection bundled together so a child’s education is funded from day one of parenthood.
– Britam Money Market Fund — a low-risk unit trust for first-time investors to start parking cash productively, with daily liquidity.
– Milele Health Plan — health insurance (Platinum through Essential) that protects your most important asset (you) from the financial shock of medical bills, so illness doesn’t wipe out your early savings.
>Creation phase mindset: protect the income first, then start saving — small is fine, consistent is everything.
Step 02: Wealth Accumulation — Building Your Wealth
Now you’re past the basics. You have a steady income, an emergency cushion, and you’re ready to grow. Accumulation is about compounding — surrendering today’s consumption for a bigger future asset base. This is where disciplined, professionally managed vehicles matter most.
How Britam walks with you here:
-Dhamana Insurance Savings Plan— life assurance with guaranteed investment returns, for those who want certainty alongside growth.
-Imarika Plus Savings Plan — investment-linked plan with returns of 8–12% p.a. (5% guaranteed floor on maturity) and free life cover; minimum KES 200,000 entry. Great for lump-sum savers ready to compound aggressively.
-Britam Balanced Fund — diversified across fixed income, equity, offshore and property for medium-to-long-term capital growth.
-Britam Equity Fund — invests across the NSE, Uganda and Tanzania securities exchanges for higher long-term returns.
-Britam Bond Plus Fund — income-focused fund for investors who’d rather capture yield than chase equity volatility.
-Super Education Plan / Soma Sure — savings-investment hybrids for long-horizon goals like schooling.
– Britam Individual Pension Plan — tax-advantaged, long-horizon retirement accumulation, the single most powerful compounding vehicle in Kenya’s tax code.
> Accumulation mindset: pay yourself first, increase contributions each year, and let time — not timing — do the work.
Step 03: Wealth Preservation — Protecting What You’ve Built
You’ve done the hard part. Now the enemy is inflation, currency depreciation, market drawdowns, health crises, and the risk of losing it all in one bad event. Preservation is where structuring, insurance layering, and asset protection come in.
How Britam walks with you here:
-Britam Whole Life Insurance Plan — permanent lifetime cover with a guaranteed death benefit that grows 3% every year to outpace inflation; tax-free payouts to beneficiaries, plus optional critical illness, permanent total disability, and funeral expense riders (up to KES 500,000).
-Pension Annuity Plan — converts your accumulated retirement pot into a guaranteed lifetime income (flat or escalating at 3%, 5%, 7% or 10% p.a.), with guaranteed periods of 0–20 years and favorable tax treatment from age 65.
-Britam Fixed Income USD Fund — dollar-denominated unit trust that hedges against shilling depreciation while earning competitive yield — a direct shield against currency erosion.
-General Insurance (Motor, Property, Fire & Burglary, WIBA, Marine, etc.) — covers your tangible assets (home, car, business, equipment) so a single incident can’t reset your wealth clock.
-Milele Health Plan / Milele Senior — keeps the rising cost of healthcare (especially in retirement) from draining your portfolio; Milele Senior is purpose-built for those 55+.
-Milele Junior Health Plan — locks in health cover for your children early, guaranteeing they can never be denied cover later due to pre-existing conditions.
> Preservation mindset: the goal isn’t to make more — it’s to lose less. Insurance is the asset class that pays off precisely when everything else doesn’t.
Step 04: Wealth Distribution — Utilizing and Transferring Your Wealth
The final stage is often the most underestimated. Most Kenyan families lose a significant slice of their wealth at succession — through probate delays, forced asset sales, family disputes, and taxes. Distribution isn’t just about who gets what. It’s about when, how, and on whose terms.
How Britam walks with you here:
– Britam Cash Trust — set aside funds for specific beneficiaries (education, healthcare, sustenance) starting from as little as KES 5,000, with growth through regular top-ups. Demystifies trusts for ordinary Kenyan households.
– Britam Family / Private Trust — holds a wider range of assets (property, investments, businesses, cash) inside a structured vehicle that survives you, avoids forced sales, and minimizes succession disputes.
– Whole Life + Britam Trust beneficiary designation — Britam’s Whole Life plan integrates with Britam Trust: you can name the trust as your beneficiary, dictate conditions on payouts (age milestones, educational milestones), and avoid the public, slow, expensive probate process entirely. Death, disability, and critical illness benefits all flow through the trust as tax-free lump sums.
– Platinum Drawdown Pension Plan — for retirees with larger pots who don’t want a fixed annuity. Keeps your retirement fund invested in a guaranteed-return vehicle while you draw an income (max 15% p.a.) for a minimum 10-year period, then choose annuity, continuation, or lump sum.
– Pension Annuity Plan (escalating option) — protects a surviving spouse with guaranteed income continuing for the rest of their life.
– Retirement & pension consolidation — Britam helps bring scattered pension pots across former employers into a single, efficient structure, simplifying distribution after death and reducing leakage.
> Distribution mindset: a will is not an estate plan. A proper plan tells your money when and how — not just who.
Your Wealth Doesn’t Wait
Money is a journey, not a moment. Every Kenyan — from the boda boda rider saving KES 100 a day, to the executive running a multi-million-shilling estate — is somewhere on this four-step path. The only real question is: will you walk it with intention, or leave it to chance?
Britam has walked this path with millions of Kenyans across seven African countries. We’ve been there for the first premium, the first million, the first child, the first retirement cheque, and the first generation after. Every product above exists because we saw a real Kenyan family need it — and we built it.
Today, take the first step:
1. Book a free wealth review with a Britam Financial Advisor — call 0712870447 or Email gwwekesa@britam.com or WhatsApp the same number. Tell us where you are on the journey, and we’ll tell you exactly which combination of products fits you.
2. Start small if you must — a Tegemeo policy, a Money Market Fund unit,l of Ksh 1000, or an Akiba savings plan from as little as KES 3,000. Starting is what matters, not the size of the start.
3. Plan your legacy — even at 30, ask about Britam Trust Services. Inheritance is won or lost before you die, not after.
The wealth journey is long. You shouldn’t walk it alone.