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Message: [QUOTE="Munyaradzi Mafaro, post: 45935, member: 636"] Many Kenyans avoid insurance because they find it confusing and hard to access. The country's insurance coverage hit just 2.4 percent last year. People worry about complicated paperwork and difficult claims processes. Most citizens view insurance as something only wealthy people can afford. This creates problems when disasters strike families and businesses. Insurance companies must change how they serve customers. The industry needs to explain products more clearly and make them easier to buy. Banks have started working with insurance companies to offer coverage through familiar channels. This partnership approach helps customers trust the products more. People already visit bank branches for money matters. Bank-based insurance sales jumped dramatically over recent years. Premium payments through banks rose from 19.5 billion shillings to 35 billion shillings between 2019 and 2023. This represents a 79.4 percent increase according to industry data. The market share for bank insurance grew from 8.4 percent to 10 percent during the same period. These numbers show customers prefer buying insurance from trusted institutions. Natural disasters and emergencies happen frequently across Kenya. Medical costs can destroy family savings without warning. Business owners face risks from weather damage and economic changes. Insurance protects people from losing everything when bad things happen. The industry must work harder to show ordinary citizens why coverage matters. Companies should focus on building customer confidence through clear communication. Simple language helps people understand what they buy. Fair claims handling builds trust over time. Kenya needs more people protected against life's unexpected challenges. [/QUOTE]

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