Employee Insurance

Group Life Cover

Life insurance taken by an employer that pays an agreed amount on death in service.

Request a Quote → WhatsApp Us

Life insurance taken by an employer that pays an agreed amount on death in service.

Benefits

Death-in-service payout
Beneficiary protection
Tax-efficient employee benefit

Get this cover

Speak to an Oakstem advisor and receive a tailored quote within 24 hours.

Request a Quote → +254 717 966 970

Trusted Underwriters

We compare quotes across 15+ leading insurance companies in Kenya to negotiate the right cover at the right price.

See all partners →

Included

What this cover includes

Death-in-service payout
Beneficiary protection
Tax-efficient employee benefit

Excluded

Typical exclusions

Pre-existing conditions or losses arising before the policy inception date
Wilful or fraudulent acts by the insured
War, nuclear risks and government action (subject to specific extensions)
Wear and tear, mechanical breakdown and gradual deterioration

Get ready

Documents we will need

National ID or KRA PIN of the proposer
Asset / insured-item details (registration, valuation, etc.)
Previous claims history if any
Any underwriter-specific declarations

FAQ

Frequently Asked

Quick answers about Group Life Cover.

Most policies are issued within 24–48 hours of receipt of complete documentation and premium.

Many of our underwriters allow quarterly or monthly instalments for qualifying policies — we will confirm at quotation.

Notify Oakstem immediately on +254 717 966 970 or info@oaksteminsurance.co.ke. We will guide you through documentation and follow the claim through to settlement.

Other cover in this pillar

View pillar →

Work Injury Benefits Acts (WIBA)

Cover for employees while on duty in the execution of the Insured's business.

Learn more →

Group Personal Accident (GPA)

Compensation for employees in the event of death, injury or disability from accidents.

Learn more →

Last Expense / Funeral Cover

Stand-alone cover that pays an agreed lump sum on death of an insured employee.

Learn more →

Life Insurance

Protection against financial loss from the premature death of an insured person.

Learn more →

Take the next step

Need help choosing the right cover?

Our advisors compare 15+ underwriters to find the policy that fits you best.

Talk to an Advisor Back to Employee Insurance

Chat with us