SPECIALIZED SERVICE

Retirement & Pension

Plan today for a secure and comfortable retirement tomorrow.

About Retirement & Pension

Most Kenyans reach retirement age unprepared, facing poverty and dependence on family. Without structured pension planning, years of work leave no financial security. Excewell retirement and pension solutions build guaranteed income for life — so you retire with dignity, independence, and peace of mind.

Retirement & Pension Features & Capabilities

Everything included when you choose our retirement & pension service

Guaranteed Lifetime Income

Contribute during working years, receive guaranteed monthly pension for life after retirement. Income is inflation-adjusted and never runs out, no matter how long you live.

Flexible Contribution & Withdrawal

Start small or contribute large lump sums. Withdraw early for emergencies (with conditions). Switch investment options as you age — conservative as retirement approaches.

Survivor & Legacy Benefits

If you pass before retirement, beneficiaries receive accumulated funds plus death benefit. If you die during retirement, remaining balance passes to your estate.

Why Choose Excewell Insurance for Retirement & Pension

Comprehensive financial security with integrated insurance + investments in one trusted plan, giving families peace of mind about their children's future and SME owners streamlined risk management, compliance confidence, and measurable business continuity.

Guaranteed monthly income for life — never runs out

Inflation-adjusted payouts protect your purchasing power

Flexible contributions, withdrawals, and legacy options

Retirement & Pension — Frequently Asked Questions

Common questions about our retirement & pension service

How much do I need to contribute monthly for a decent retirement income?

It depends on your retirement age, desired income, and current age. Our pension advisors calculate this for free. A rough guide: KES5,000/month from age 30 typically yields KES50,000+/month from age 60. Start early, contribute consistently.

Can I access my pension before retirement age?

Early withdrawal is possible but may reduce your final pension. Conditions apply (job loss, medical hardship, education). We recommend avoiding early withdrawal to preserve retirement security. Speak with our advisors about alternatives.

What if I die before retirement?

Your beneficiaries receive 100% of accumulated contributions plus a death benefit. Funds are paid out within 30 days of claim approval. This ensures your family isn't left empty-handed after years of contributions.

Get a Retirement & Pension Quote

Tell us about your retirement & pension needs and our team will respond within 2 business hours with a tailored recommendation. Every inquiry gets a personal response from a real team member.