In these days of questionable travel safety, not to mention the myriad diseases to which we are susceptible, we all ignore Kenya life insurance at our own peril.

Truth be told, we ignore it at the peril of our loved ones – our families and dependents, who are without doubt the ones most affected in case of a fatality.

This is the most relevant time to be thinking about life insurance – today, while we are in good health and in a position to provide for our families.

Ironically, it is also the time when we are least likely to take time to consider life insurance; that is, unless that annoying life insurance salesman comes knocking and you fail to avoid him.

As far as who to buy from, it doesn’t really matter. You can actually go to the yellow pages and look up “Kenya life insurance.” Chances are, you will find an insurance broker who has what you’re looking for.

What matters more is the type of life insurance that is appropriate for the needs of your loved ones.

The two basic types of life insurance are:

· Term life insurance
· Whole life insurance

Others are merely variations of these two. The first offers cover for a specified period of time while the second does not have a time limit.

The good news is, the terms used in the industry sound more complicated than they really are. The bad news is, you may have to sit a while with the annoying insurance salesman to determine what’s right for you.

Think about the basics as you listen to him. You’ll want to think about your general health, job risks, age and needs of your family, how much you can afford to pay, etc. There are no hard and fast rules.

When he’s done talking (and he will be at some point) ask lots of questions.

Ask about payments and charges. Ask about how they deal missed premiums. Ask about the payment process. Find out whether you need to take a medical exam. It is extremely important to ask these questions when you get Kenya Insurance.

Be sure to ask him why you should get your life insurance from his company. This is mostly to get back at him for being an annoying insurance salesman.

Remind him that you have done your homework in the yellow pages and now have a comprehensive list of Kenya life insurance providers. Now sit back and watch while he picks up the check.

Kenya Insurance Companies