SPECIALIZED SERVICE

Unit-Linked Funds

Long-term wealth-building requires growth-oriented investments, but stock market volatility scares most investors. Unit-linked funds blend insurance protection with professional fund management — so your money grows for retirement, education, or major goals while you're protected if life happens. At Excewell Insurance, we approach unit-linked funds differently — excewell uniquely bundles comprehensive insurance solutions (life, health, motor, business, travel, property, education, school, domestic, wiba, retirement) with wealth-building investments (money market + unit-linked funds) — a fully integrated ecosystem that competitors spend years trying to assemble. families and sme owners get financial protection and growth from one trusted partner, eliminating vendor fragmentation and enabling seamless financial planning..

Get Started View All Services

About Unit-Linked Funds

Long-term wealth-building requires growth-oriented investments, but stock market volatility scares most investors. Unit-linked funds blend insurance protection with professional fund management — so your money grows for retirement, education, or major goals while you're protected if life happens.

Unit-Linked Funds Features & Capabilities

Everything included when you choose our unit-linked funds service

Insurance + Investment in One Product

Your contributions fund both life insurance and investment growth. If you pass away, your beneficiary receives the full target amount plus accumulated investment gains — guaranteed.

Professional Fund Management & Options

Choose from conservative (bonds/money market), balanced (mix of stocks & bonds), or aggressive (equities) portfolios. Switch funds anytime as your risk tolerance changes. Annual management fee ~1-2%.

Tax-Efficient & Flexible Withdrawals

Investment growth is tax-deferred until withdrawal. Withdraw anytime (after 3-year initial period). Use funds for education, medical emergency, or reinvest for retirement.

A transparent, results-first process — you always know where things stand

How Our Unit-Linked Funds Works

01

Free Consultation

We start by listening. Tell us your specific unit-linked funds goals and current situation — no assumptions. We hear "families fear fragmented insurance coverage leaving dependents vulnerable, and sme owners struggle with scattered providers, compliance gaps, and incomplete risk management — forcing them to juggle multiple vendors, waste time on admin, and worry about hidden exposures." often, and we know exactly how to solve it. Zero commitment required.

02

Custom Strategy

Excewell uniquely bundles comprehensive insurance solutions (life, health, motor, business, travel, property, education, school, domestic, WIBA, retirement) with wealth-building investments (money market + unit-linked funds) — a fully integrated ecosystem that competitors spend years trying to assemble. Families and SME owners get financial protection AND growth from one trusted partner, eliminating vendor fragmentation and enabling seamless financial planning.. Based on your consultation, we build a tailored plan — not a template — with transparent pricing and clear milestones. You review and approve everything before we begin.

03

Delivery & Execution

Our team handles every aspect of your unit-linked funds engagement efficiently, with minimal disruption to your day-to-day operations. You receive regular progress updates and have direct access to your account manager at all times.

04

Results & Optimization

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. After delivery we measure outcomes against your goals and proactively optimize. Most clients see measurable impact within the first 30 days — and we stay by your side beyond that.

Why Choose Excewell Insurance for Unit-Linked Funds

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.

Protection + growth — life insurance + investment returns combined

Professional fund management — 4 portfolio options

Flexible withdrawals — access funds anytime after 3 years

Unit-Linked Funds Results

10,000+

Kenyans Protected

10,000+ Kenyans Protected

KES500M+ in Claims Paid

98% Claims Approval Rate

Unit-Linked Funds — Frequently Asked Questions

Common questions about our unit-linked funds service

What's the difference between unit-linked funds and pure investment funds?

Unit-linked funds combine life insurance with investments. If you die, your beneficiary gets the full sum assured + investment gains (guaranteed). Pure investment funds have no insurance component. ULFs are better for long-term wealth + family protection.

Can I switch between fund portfolios (aggressive to conservative)?

Yes, anytime at no cost. As you age or risk tolerance changes, switch from aggressive (equities) to balanced or conservative (bonds). This flexibility lets your investment strategy evolve with your life stage.

How do taxes work with unit-linked funds?

Investment growth inside the fund is tax-deferred — you only pay tax on gains when you withdraw. Gains are taxed at your marginal rate. Life insurance death benefits are tax-free. This makes ULFs tax-efficient for long-term wealth building.

Get a Unit-Linked Funds Quote

Tell us about your unit-linked funds 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.