If you are looking for a smart way to grow your lump-sum savings while enjoying insurance protection, the Imarika Plus Insurance Savings Plan offers a powerful solution. Designed for individuals who want competitive returns, flexibility, and peace of mind, this investment-linked plan allows you to grow your wealth while securing a safety net for the future.
With a minimum investment of KES 200,000, Imarika Plus gives you access to professional fund management, attractive returns, and free insurance benefits, all in one plan.
Also Read: What is Britam Trust Fund and How Does it Work?
What Is the Imarika Plus Insurance Savings Plan?
The Imarika Plus Insurance Savings Plan is an investment-linked insurance product that allows you to invest a lump sum and earn superior returns over time. In addition to growing your money, the plan provides free life insurance protection, making it an ideal option for individuals seeking both growth and security.
It is regulated by the Insurance Regulatory Authority (IRA) and is suitable for long-term financial planning with flexibility built in
Why Invest in Imarika Plus?
Here are the main reasons you should invest in Imarika Plus Insurance Savings:
Competitive Returns
Enjoy returns of 8% – 12% per annum, depending on market performance. Even in periods of poor performance, the plan guarantees a minimum net return of 5% per annum at maturity, ensuring your investment remains protected
Tax Benefits
If you invest for 10 years or more, you are eligible for tax relief of 15% of your contributions, subject to a maximum of KES 60,000 per year, helping you grow your wealth more efficiently
Flexible Investment Structure
There are no mandatory regular deposits. You may add to your investment at any time with additional top-ups from KES 100,000, allowing you to grow your fund at your own pace
Partial and Full Withdrawals
The minimum investment period is 5 years, but you can access part or all of your funds after the 2nd year without penalty. This gives you liquidity while still encouraging long-term growth
Insurance Protection
The plan includes free funeral expense cover of KES 100,000, provided the fund value remains above KES 200,000. In the unfortunate event of death, the benefit is paid to your beneficiary within 48 hours to assist with funeral expenses
Transparency
You receive monthly statements via email and regular fund balance updates on your mobile phone, ensuring full visibility of your investment performance
Charges on the Imarika Plus Plan
Management Fees
A 0.25% monthly management fee is charged on the total fund value. This fee covers professional fund management aimed at maximizing your investment returns…
Early Exit Charges
Withdrawals made before the 25th month (2nd year) attract early exit charges:
- Month 1 – 12: 5% of the amount withdrawn
- Month 13 – 24: 3% of the amount withdrawn
- Month 25 onwards: No charges
.
Eligibility and Requirements
To sign up for the Imarika Plus Insurance Savings Plan, you must:
- Be between 18 and 85 years at sign-up
- Have a valid National ID, Passport, or Alien ID, and KRA PIN
- Make a minimum initial deposit of KES 200,000
- Top-ups can be made anytime, with a minimum of KES 100,000
.
For deposits of KES 2 million and above, a Declaration of Source of Funds form is required
The maximum investment period is 15 years, with a maximum age on cover of 90 years
Note: This plan is available to individuals only and not companies, due to the funeral expense cover feature.
What Happens After You Sign Up?
Once your policy is issued:
- You will receive an SMS confirmation
- Your policy document will be sent via email
- You can track your investment through the MyBritam Portal or MyBritam App available on Google Play Store and Apple App Store
How to Make Deposits
You can conveniently fund your Imarika Plus plan through:
- MyBritam Portal
- MyBritam Mobile App
- RTGS transfers
- Banker’s or personal cheques payable to Britam
Why Choose Imarika Plus?
The Imarika Plus Insurance Savings Plan is ideal for individuals who:
- Want better returns than traditional savings
- Prefer a guaranteed minimum return for peace of mind
- Need flexibility and liquidity
- Value insurance protection alongside investment growth
Get Expert Guidance from Peter Wanderi
Choosing the right investment plan requires expert advice — especially when balancing returns, risk, and long-term goals.
Peter Wanderi, a licensed Britam Financial Advisor, can help you:
- Understand how the Imarika Plus plan works
- Determine if it aligns with your financial goals
- Guide you through the sign-up and funding process
- Optimize your investment strategy for maximum benefit
Contact Peter Wanderi today for personalized advice and professional support on the Imarika Plus Insurance Savings Plan.
