Individual Life Insurance

• Term life insurance (pure mortality protection)

• Whole life insurance (lifetime coverage with cash value)

• Endowment policies (insurance-savings combination)

Group Life Schemes

• Corporate group life (employer-sponsored death benefits)

• Group credit life (loan protection for SACCOs, MFIs, banks)

Critical Illness & Disability

• Dread disease insurance (lump sum on diagnosis)

• Income protection (disability insurance)