Life & Financial Security
Plan with Confidence. Secure Your Legacy.
True peace of mind comes from knowing your family’s future is safe and your goals are within reach. At Bimacal Insurance Agency, we offer more than just policies—we provide structured pathways to financial security, helping you build a lasting legacy for your loved ones.
Our Plans for Your Future
1. Whole Life Insurance
Lifelong Protection, Guaranteed Legacy.
This is the cornerstone of permanent financial security. A Whole Life policy provides coverage for your entire lifetime, with a guaranteed payout to your beneficiaries whenever you pass away. It also builds a cash value over time that you can borrow against if needed. It’s not just an expense; it’s an asset for your estate.
Key Benefit: Creates a guaranteed financial legacy for your family, no matter when. Perfect for: Individuals seeking permanent cover for estate planning or providing for dependents indefinitely.
2. Savings & Investment Insurance
Grow Your Wealth. Stay Protected.
Achieve your long-term financial goals with discipline and a safety net. These plans combine a savings or investment component (often linked to unit trusts) with life insurance coverage. You commit to regular premiums, a portion of which builds your investment fund for goals like retirement, while ensuring your family is protected along the way. Key Benefit: Disciplined wealth accumulation with the security of life cover. Perfect for: Goal-oriented savers looking to build a retirement fund, business capital, or a large future sum.
3. Education Insurance Packages
Lock in Your Child’s Future, Today.
Don’t let uncertainty derail your child’s dreams. An education plan is a dedicated savings policy that matures when your child is ready for tertiary education. The best part: if anything happens to you, the policy guarantees that the funds for school fees will still be available, ensuring their academic journey continues uninterrupted. Key Benefit: A guaranteed fund for university/college fees, secured against life’s uncertainties. Perfect for: Parents and guardians who want to pre-finance and secure their children’s higher education.
Your future deserves a plan. Let’s build yours together.
Need help choosing? That’s what we’re here for.
Contact Bimacal today for a quick, clear quote.
tel:+254 790 407341 | 
Nairobi Kenya 
info@bimacalinsurance.co.ke
Most policies have a grace period (usually 30 days). If the difficulty is temporary, some plans offer a paid-up policy option, where the cover reduces but remains in force with no further payments. Alternatively, you may use the policy’s surrender value. It’s crucial to contact us immediately to discuss options before the policy lapses to protect your child’s future fund
Yes, but it depends on the policy terms. Most plans allow for partial withdrawals or policy loans against the accumulated cash value after a few years. However, accessing funds early may reduce your final maturity value and could affect the life cover. We will clarify the specific terms of your chosen plan.
Whole Life is primarily a permanent protection tool with a guaranteed payout and a savings component. It offers stability and security, not high returns. For pure wealth growth, a dedicated Savings & Investment plan or other investment vehicles might be more suitable. The best choice depends on your primary goal: lifelong family security (Whole Life) or capital growth (Investments).