Benefits include: lump-sum maturity payment at the end of the policy term (sum assured plus accrued bonuses), death benefit paid to beneficiaries if the insured dies before maturity, partial maturity payments at regular intervals during the policy term (varies by product), accrued reversionary and terminal bonuses that grow the pay-out over time, surrender value after a minimum of three years of premium payments, policy loan facility against accumulated surrender value, and 15% tax relief on premiums (up to KES 60,000 p.a.). Ideal for building a guaranteed lump sum for a specific goal — school fees, a property deposit, business start-up capital, or retirement. Premiums are paid monthly, quarterly, or annually and can be structured to match cash flow.