Josephine Gacheru Financial Advisor

Josephine Gacheru Financial Advisor trusted financial advisor

27/08/2026

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They didn’t wait for tomorrow. They started building today. 💙💛A secure future is not luck—it’s a decision.Whether it’s p...
27/08/2026

They didn’t wait for tomorrow. They started building today. 💙💛

A secure future is not luck—it’s a decision.

Whether it’s protecting your family with Whole of Life, planning your children’s education with Usomi Bora, building wealth through Endowment with Profits, or working towards a goal with our 5-Year Plans—there is a plan for the future you want.

💕 Start where you are. Plan what matters. Build the future together.

I’m Josephine Wa Insurance, and I’m ready to help you take that first step.

📞 0721604742 / 0786604742
📧 [email protected]

Your future deserves a plan. Let’s build it together.

Step 7: Review and Complete the Application​Double-Check the Quotation: Review the finalized quotation to ensure the Sum...
26/08/2026

Step 7: Review and Complete the Application
​Double-Check the Quotation: Review the finalized quotation to ensure the Sum Assured, premium amount, policy term, and payout structure are exactly as you wanted.

​Fill Out the Proposal Form: Provide accurate details about yourself (policyholder), your child (beneficiary), and health history. Accuracy is critical to avoid issues during claims.

​Submit Documentation: You will typically need to provide your KRA PIN, copy of your ID, child’s birth certificate, and a passport photo.
​Review and Set Up Payment: Choose your payment method (e.g., M-Pesa, bank standing order, checkoff from salary) and make your first payment to activate the policy.

DM me, I am ready to serve you. Let's start that plan for your bundle of joy.
☎️0721604742/0786604742

Step 6: Verify Key Benefits and Riders​Make sure you fully understand the core benefits and any optional riders you are ...
26/08/2026

Step 6: Verify Key Benefits and Riders

​Make sure you fully understand the core benefits and any optional riders you are choosing. Confirm these with the agent:

​Premium Waiver Benefit (Core): This ensures that if you (the policyholder) pass away or become totally permanently disabled during the policy term, ICEA Lion waives all future premiums. The policy remains in force, and your child receives the full payout at maturity.

​Savings Growth: Understand how bonuses work. The Sum Assured is guaranteed, but reversionary and terminal bonuses depend on market performance.

​Tax Benefits: Confirm that maturity payouts are tax-free. Also, note that as an employed policyholder, you are eligible for 15% tax relief on your monthly premiums by informing your HR department. Self-employed individuals can claim this through KRA.

DM me for a personalized plan for your bundle of joy.
☎️0721604742/0786604742

Step 5: Customize Your Payout Structure A key advantage of Usomi Bora is its flexibility in how you receive the maturity...
26/08/2026

Step 5: Customize Your Payout Structure

A key advantage of Usomi Bora is its flexibility in how you receive the maturity value.

​Maturity Payout Options:
​Lump Sum: Receive the full Sum Assured plus accrued bonuses in one single payment upon policy maturity. This is suitable if you plan to invest the entire amount elsewhere or if the immediate fee requirement is large.
Installments: Choose to receive the payout in four (4) equal annual installments or eight (8) termly payments.

These installments can be structured to align with the Kenyan academic calendar, ensuring a steady cash flow for fees.

DM me to start an education plan for your bundle for joy
☎️0721604742/0786604742

Step 4: Contact an ICEA Lion Agent or Broker​A registered ICEA Lion financial advisor is essential to guide you through ...
26/08/2026

Step 4: Contact an ICEA Lion Agent or Broker

​A registered ICEA Lion financial advisor is essential to guide you through the technical aspects of the policy.
Reach Out: You can visit an ICEA Lion office, request an agent call you back through their website, or use their self-service portal to start an inquiry.

​Ask for Quotations: The agent will generate various customized "illustrations" or quotations based on your child's age, your desired term, and your premium amount. These quotations show you exactly how much your target payout (Sum Assured) will be.

I am ready to serve. Let me be your financial advisor/ your agent. Let's walk together.
☎️0721604742/0786604742

Step 3: Assess Your Budget and Premium Capacity You must choose a premium amount that you can comfortably pay consistent...
26/08/2026

Step 3: Assess Your Budget and Premium Capacity
You must choose a premium amount that you can comfortably pay consistently throughout the policy term.

​Analyze Your Finances: Look at your income, expenses, and other savings. How much can you set aside every month for this specific goal?

​Check the Minimum Requirement: ICEA Lion’s Usomi Bora requires a minimum monthly premium of KES 2,000.
​Evaluate Flexibility: Choose how you want to pay: monthly, quarterly, semi-annually, or annually. Annual payments sometimes offer small discounts. Know that Usomi Bora allows you to reduce premiums if your income changes and revise them upwards later.

DM for a personalized plan for your bundle of joy.
☎️0721604742/0786604742

Step 2: Establish Your Investment Horizon​Your time horizon is the number of years you have left to save before your chi...
26/08/2026

Step 2: Establish Your Investment Horizon

​Your time horizon is the number of years you have left to save before your child needs the funds. This is dictated by your child's current age.

​For Young Children: If your child is very young (e.g., 1–5 years old), you have a long time horizon. A longer policy term (e.g., 15–17 years) allows your savings to grow more and keep premiums lower.

​For Older Children: If your child is older (e.g., 10+ years), you have a shorter time horizon. You will need to save more aggressively or accept a lower total payout.

Choosing the Usomi Bora Education Plan with ICEA Lion Kenya is a systematic process designed to secure your child’s educ...
26/08/2026

Choosing the Usomi Bora Education Plan with ICEA Lion Kenya is a systematic process designed to secure your child’s educational future while offering you life insurance protection.

Here are the essential steps to guide you through picking this plan:

​Step 1: Define Your Education Funding Goals
​Before meeting with an ICEA Lion agent, you need a clear idea of what you want the plan to achieve. These are your foundational inputs.
​Determine the Education Level: Are you saving for secondary school, tertiary education (university/college), or both?
​Specify the Curriculum: Think about whether you prefer the Kenyan curriculum (e.g., CBC, 8-4-4) or international curricula (e.g., IGCSE, British, American). The costs vary significantly.
​Estimate Future Costs: Look up the current fees of your desired schools and adjust them for inflation, assuming costs will rise each year. You should set a goal that is higher than current market conditions

DM for a personalized plan for your bundle of joy.
☎️0721604742/0786604742

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