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Group Life


This is a death in service cover ideally taken by an employer for the employees on a term basis (annually renewable policy)It is a 24 hour cover that gives covers on unfortunate Death of the member.


  • Cover is based on a  staff’s annual salary, in this case cover  is  on a factor of the annual pay, say 1, 2, 3 or 4 years annual salary
  • A flat benefit, say Kshs. 500,000, 1 mill or 2 mill per staff. 



  • Benefits paid to beneficiaries in case of early death from any cause
  • Funeral cash – This benefit pays out an amount to assist in organizing for a decent funeral for the deceased member.
  • Critical illness rider, which pays up to % of the sum assured in case of specified illnesses, up to a a maximum limit of Kshs. 1 million. Some of these illnesses are heart Attack, Stroke ,Alzheimer’s, Blindness (permanent & irreversible),Dementia Resulting in permanent symptoms, Parkinson Disease, Multiple Sclerosis, Systemic Lupus Erythematosis ,Cancer ,Renal Failure, Paraplegia & Paralysis, Coronary Artery Disease and Major Organ Failure.


1. What are the claims requirements?

  • Immediate notification
  • Last attending Doctors report or Police Abstract.
  • Copy of the original Burial Permit

2. How does the cover terminate? Under what circumstances?
It terminates on the demise of the principal member.

How do I get Started

  • The client is advised to complete and submit a Group Proposal form.
  • Individual member will be required to complete application forms together with copies of their Identity cards; and submitted to Madison.
  • Commencement of individual covers shall attach once the Individual proposal form is received in Madison with the requisite premium.