Grow your wealth with strategic investment insurance plans that combine protection with wealth accumulation
At Clear Plan Insurance, we believe that securing your financial future goes beyond traditional insurance—it's about actively growing your wealth while maintaining protection. Our investment insurance plans uniquely combine life insurance coverage with strategic investment opportunities, giving you the best of both worlds.
Whether you're saving for your children's education, building an emergency fund, planning for major life purchases, or simply growing your wealth, our investment plans offer professional fund management, attractive returns, and the security of life insurance protection all in one comprehensive solution.
Systematically build substantial wealth over time through disciplined saving and professional investment management with competitive market returns.
Professional fund managers invest your premiums across diversified asset classes to optimize returns while managing risk effectively.
Comprehensive life cover ensuring your beneficiaries receive both accumulated savings and death benefit if the unexpected happens.
Dedicated investment plans designed to fund your children's education from primary school through university and beyond.
Access your investment funds when needed through partial withdrawals, policy loans, or full surrender after the lock-in period.
Convert your accumulated investment into a steady income stream for financial independence or supplementary retirement income.
Investment plans offer significantly higher returns than savings accounts (typically 10-15% annually vs 2-4%). They combine life insurance protection with investment growth, provide tax benefits, and are managed by professional fund managers. Unlike savings accounts, investment plans have lock-in periods (typically 3-5 years) but offer better long-term wealth accumulation.
Our investment plans are accessible with premiums starting from as low as KES 5,000 per month. You can choose to pay monthly, quarterly, semi-annually, or annually based on your preference. Higher contributions naturally lead to greater wealth accumulation. We offer flexible plans suitable for various income levels and financial goals.
We offer both guaranteed and market-linked options. Guaranteed plans provide fixed returns (typically 6-8% annually) with no investment risk. Market-linked plans offer higher potential returns but with some market risk. All investments are professionally managed and regulated by the Insurance Regulatory Authority (IRA) to protect your interests.
Yes, our investment plans are flexible. You can make additional lump sum top-ups at any time to accelerate wealth growth. You can also increase your regular premium contributions annually. Some plans also allow contribution holidays if you face temporary financial constraints, though this may affect your returns and coverage.
At maturity, you receive your accumulated fund value including all returns and bonuses. You have several options: take a lump sum payment, convert to a regular income (annuity), partially withdraw while keeping the balance invested, or reinvest in a new plan. We provide financial counseling to help you make the best decision for your circumstances.
Begin your wealth creation journey today with an investment plan tailored to your financial goals and risk appetite.