Benefits include: partial maturity payments at regular intervals (typically 25% of sum assured paid in annual instalments at key education milestones), full maturity payment at policy end, accrued bonuses added to all maturity payments, waiver of premium — the insurer takes over all future premium payments if the parent dies or becomes permanently disabled, accidental death benefit (additional lump sum if the parent dies in an accident), critical illness benefit (partial pay-out on first diagnosis of a listed illness), and 15% tax relief on premiums (up to KES 60,000 p.a.). This is one of the most financially and emotionally compelling covers any parent in Kenya can hold.