Protection · For the decades after the salary
Pensions & Annuities
Retirement is not the end of income. It is a change of employer — to your younger self.
The promise, in one line
"My pension pays me like the job did. Minus the meetings."
The story
You will be retired longer than you think
A Kenyan professional retiring at 60 can reasonably expect twenty-five more years. Mandatory contributions alone fund a fraction of them at the standard you live now.
A deliberate pension and annuity structure turns working-years surplus into an income that arrives every month for life — designed, not hoped for.
The reality
What retirement actually requires
KES 24M
What twenty years of that income requires in total
KES 100,000/month
A comfortable retirement income — the target to design around
20–30 years
How long retirement can realistically span — longer than most people plan for
What it protects
Promises, kept in writing
Income for life
An annuity cannot be outlived — the cheque arrives at 70, at 85, at 95.
Your standard, kept
Sized to the life you actually live, not to a statutory minimum.
Tax-efficient building
Registered schemes shelter contributions and growth along the way.
Independence, preserved
Your children inherit assets — never your grocery bill.
Who This Is For
- Working professionals whose NSSF contributions will not sustain their lifestyle
- Business owners who need a retirement income that does not depend on the business continuing
- Anyone who wants financial independence in retirement — not dependence on family
- Those who have started saving but want a structured, tax-efficient approach
How We Design It
- 01 Define the monthly income your retirement lifestyle actually requires
- 02 Calculate how long you need that income to last — plan for 25+ years
- 03 Build a registered pension structure on top of mandatory contributions
- 04 Review the plan at each life stage as income and obligations change
Protectors on Pensions & Annuities
Families who made the promise
I watched my father depend on us in his old age. My own children will only ever host me for pleasure.
The assessment put my retirement readiness at 22. That number frightened me into the best decision of my forties.
No obligation · Same-day reply
The unremarkable Tuesday is today.
One conversation. Protection sized to the weight you actually carry.
Independent advice · Curated from Kenya's leading insurers · No obligation