This is an insurance policy scheme through which members contribute premiums that offer security to members’ savings and loans against any financial loss which may be occasioned by the unforeseen event of death of a member.


  • Guarantees payment of 100% of the savings held by a member to the nominated next of kin .
  • Offers a funeral expense benefit of Kshs. 100,000 per member to the nominated next of kin.
  • Pays 100% of the member’s own loans to the Sacco.