Benefits include: death benefit (sum assured plus accrued bonuses paid to beneficiaries), living benefit — the insured receives the sum assured plus bonuses if they survive to the policy maturity age, critical illness benefit (typically 50% of sum assured on first diagnosis of a listed illness), accidental death benefit (additional lump sum if death is accidental), surrender value and policy loan facility after a minimum premium payment period, and 15% tax relief on premiums (up to KES 60,000 p.a.). Investment-linked whole life products additionally offer market-linked returns and transparent fund tracking — combining lifelong protection with long-term wealth building and generational wealth transfer.