The Keryl Kelonye Insurance Blog

Stay informed about the latest trends, tips, and best practices in the Kenyan insurance industry. I'm a licensed insurance agent with a passion for helping people understand their insurance needs and find the best coverage for their needs.

KKeryl Kelonye

Life Insurance Riders and Add-Ons: What's Worth Paying Extra For?

Riders can enhance your life insurance or waste your money. Here's which add-ons are worth it and which you should skip.

Jul 13, 2026Read

KKeryl Kelonye

How Much Life Insurance Do Kenyans Actually Buy? (Data)

Real statistics on life insurance uptake in Kenya — who's buying, how much coverage, and why most Kenyans are still underinsured.

Jun 29, 2026Read

KKeryl Kelonye

Life Insurance in Kenya: 4 Real-Life Stories That Show Why It Matters

Four real Kenyan stories — a dad, a single mum, a man who lost his job, and a single guy with no kids — show exactly when whole life, endowment, and critical illness cover actually matter.

Jun 28, 2026Read

KKeryl Kelonye

Your Complete Insurance Checklist for Every Life Stage in Kenya

From fresh graduate to retirement. What insurance you need at each stage: single young professional, married couple, new parents, established family, empty nesters, retirees. Checklist format for each stage.

May 28, 2026Read

KKeryl Kelonye

5 Insurance Mistakes Kenyan Small Business Owners Make

No WIBA cover, underinsuring inventory, skipping professional indemnity, no key person insurance, ignoring cyber risk — five common insurance mistakes with real consequences for Kenyan businesses.

May 25, 2026Read

KKeryl Kelonye

Insurance Discounts in Kenya You're Probably Missing

No-claim discounts, multi-policy bundles, loyalty discounts, annual vs monthly payment savings, group discounts, alarm and tracker discounts for cars. Save money on insurance in Kenya.

May 21, 2026Read

KKeryl Kelonye

How to Document an Insurance Claim So It Doesn't Get Rejected

Photos, receipts, police abstracts, medical reports — what to collect, how to organize, when to submit. Common documentation mistakes that get claims rejected in Kenya.

May 14, 2026Read

KKeryl Kelonye

How to Review Your Insurance Policies Like a Pro: The Annual Check-Up

A step-by-step annual insurance review checklist. What to check for each policy type, when to switch providers, and how life changes affect your coverage needs.

May 7, 2026Read

KKeryl Kelonye

The Insurance Jargon Buster: 40 Terms Every Kenyan Should Know

An alphabetical glossary of 40 insurance terms explained in plain language. From 'actuary' to 'underwriting,' finally understand what your policy documents actually mean.

May 1, 2026Read

KKeryl Kelonye

Your Insurance Claim Got Denied. Now What? A Step-by-Step Appeal Guide

Common reasons for insurance claim denial in Kenya, how to write an effective appeal letter, the IRA complaints process, and exact timelines. Don't accept a denial without fighting back.

Apr 3, 2026Read

KKeryl Kelonye

How Much Does Health Insurance Cost in Kenya? Use Our Free Calculator

Find out exactly what you'll pay for health insurance in Kenya. Our free calculator compares 40+ insurers instantly — no calls, no waiting.

Mar 29, 2026Read

KKeryl Kelonye

Your Business Has Employees? Here's the Insurance You're Legally Required to Have

WIBA (Work Injury Benefits Act), group medical requirements, and legal obligations for Kenyan employers. What happens if you don't comply, the penalties, and how to get covered.

Mar 19, 2026Read

KKeryl Kelonye

I Just Bought a Car in Kenya. What Insurance Do I Actually Need?

A first-person guide to car insurance in Kenya. What's legally required, what's optional but smart, and how to understand excess, no-claim discounts, and the fine print before you drive off.

Mar 12, 2026Read

KKeryl Kelonye

Life Insurance Beneficiaries in Kenya: Who Gets the Money and How to Avoid Family Drama

A practical guide to naming life insurance beneficiaries in Kenya. Learn what happens when you don't name one, how Kenyan succession law works, and how to prevent disputes before they start.

Mar 9, 2026Read

KKeryl Kelonye

Beyond Medical and Funeral: Why Every Kenyan Family Needs Life Insurance

Most Kenyans think insurance means medical or funeral cover. But life insurance is the missing piece — covering income replacement, school fees, and mortgage protection when your family needs it most.

Mar 2, 2026Read