Earnest Financial & Insurance Consultants

Earnest Financial & Insurance Consultants A Kenya couple passionate in providing insurance solutions to individuals, families and organizations.

We also offer financial solutions like Money Market Funds, life insurance and retirement planning including NSSF Tier 2 Contributions. Earnest Insurance Agency is Registered by the Insurance Regulatory Authority of Kenya License no - IRA/05/28243. Our Vision
A One Stop market Leader in offering Quality, Professional, and round the clock Financial & Insurance consultancy services. Our Mission
Embra

cing Integrity, Research and Technology to ensure client enlightenment and real-time and reliable Financial and Insurance solutions. Market leader in Money Market Fund investments, Pension, Medical, property Insurance, Savings and Investment Policies. visit our website for more details @ www.earnestinsurance.co.ke

04/06/2026

Have you noticed MMF rates declining lately?

Here's a simple explanation.

When you invest in a Money Market Fund, fund managers like CIC don't keep the money sitting in an account. They invest it in places like Treasury Bills and other short-term instruments, which basically means they are lending that money to the government and banks.

Recently, the government has been borrowing at lower rates, so the returns fund managers earn from Treasury Bills have reduced. At the same time, CBK has been pushing banks to lower their lending and borrowing rates, which means banks are also paying less for the money they borrow.

Since fund managers are earning lower returns from these investments, the rates paid to MMF investors have also come down.

The good news? MMFs are still one of the safest and most convenient places to keep your emergency fund and short-term savings while earning a return on your money.

Are you currently saving in an MMF? Share your experience below.
Reach out if you'd like help choosing the right fund for your goals.





He paid KSh 180,000 for his insurance cover.A few months later, he was involved in an accident.The repair cost? Over KSh...
02/06/2026

He paid KSh 180,000 for his insurance cover.

A few months later, he was involved in an accident.

The repair cost? Over KSh 800,000.

Imagine having to look for that amount from your own pocket.

This is why insurance matters.

Many people see insurance as an expense until the day they need it. But when the unexpected happens, you quickly realize it's one of the best financial decisions you can make.

Swipe through the photos to see the damage after the accident and the repairs that followed.

You may never know when an accident will happen, but you can prepare for it.

Need help understanding your cover or reviewing your insurance? Talk to us. We'd be happy to help.





30/05/2026

Three financial decisions I stand by: even though they don't make sense to everyone:

✓ Tithing
✓ 'Black tax'
✓ Building our home

Not every financial decision is about getting the highest return. Some are about faith, some are about family, and some are about creating a future you believe in.

These choices may not work for everyone, but they've been worth it for me.

What's one financial decision you've made that others don't understand, but you'd make again?





29/05/2026

Most people don’t know this… major critical illnesses are coverable in a Whole Life Insurance Policy.

Covered illnesses may include:
• Cancer
• Stroke
• Heart attack
• Major organ transplant
• Coronary artery surgery
• Accidental brain damage
• Renal failure
• Rheumatoid arthritis (diagnosed before age 60)
• Aorta surgery
• Blindness
• Alzheimer’s disease
• Motor neuron disease
• Multiple sclerosis
• Muscular dystrophy
• Paralysis
• Parkinson’s disease

A serious illness can affect more than just your health. It can interrupt your income, drain your savings and place financial pressure on your family.

That’s why it’s important to understand what your cover includes before life happens.

We can help you get the right cover for your needs and also review your current policy with you so you fully understand what is covered and what is not.

Dm or comment 'COVER' to get covered today 👌





28/05/2026

Your 20s can quietly shape the rest of your life.

This is the season where many of the decisions you make become the foundation you build on later. The habits you form, the people around you, how you handle money, the risks you take, and the skills you learn… they all matter.

I’m grateful for the good decisions I made in my 20s because they have contributed so much to who I am today

But if you feel like you’re behind in life, this is your reminder that it is never too late to start. Never too late to learn. Never too late to become financially intentional. Never too late to rebuild.

Your 20s are a great place to lay the foundation… but they are not the deadline.

If you’re in your 20s, make decisions today that your future self will thank you for.

And if you’re above your 20s, remember: progress still counts, no matter when you start

What decision did you make in your 20s that has helped you so far?
And what advice would you give someone currently in their 20s?





27/05/2026

If you can’t wait 24 hours to buy it… you probably shouldn’t buy it yet.

Many of our worst purchases happen in emotional moments:
when we’re stressed, excited, bored, or trying to impress people.

The 24-hour rule is simple:
Before making an unplanned purchase, wait one full day before paying for it.

That small delay gives your mind time to think clearly instead of reacting emotionally.

And honestly?
Some things only look important in the moment 👀

Try this for one month and watch how much money stays in your account.

What’s one thing you bought impulsively and later regretted? 😂





26/05/2026

🧐 Which insurance term leave you scratching your head? Let me know below so that I can break it down for you! 👇

25/05/2026

You get into an accident.
Thankfully, you have insurance.

Then the garage tells you:

“You need to add Ksh 20,000 for repairs.”

And immediately you’re wondering… “But si I’m insured?” 😅

That amount you’re being asked to contribute is called excess.

Excess is the portion of the claim you agree to pay before the insurance company pays the rest.

For example, if your repair bill is Ksh 120,000 and your excess is Ksh 20,000, you pay the Ksh 20,000 and the insurer covers the balance.

Now here’s where an excess protector comes in.

An excess protector is an optional add-on you can include in your insurance policy.
Its work is to protect you from paying the excess amount from your own pocket after an accident.

So instead of struggling to raise the Ksh 20,000 yourself, the insurance company can cover it for you; depending on the terms of your policy.

It usually costs a little extra on your premium, but it can save you a lot financially when an accident happens.

Most people only learn about excess after an accident.
Don’t wait until then.

If you’d like us to help you understand your cover, excess, or whether you have an excess protector, send us a Dm or comment "EXCESS." We’ll gladly help you review your policy.





Why does life insurance become more expensive as you grow older? 🤔Because insurance is priced based on risk.When you are...
23/05/2026

Why does life insurance become more expensive as you grow older? 🤔
Because insurance is priced based on risk.
When you are younger, insurers see you as lower risk:
✔️ Lower chances of serious illness
✔️ Lower chances of death
✔️ Fewer health complications

That means the insurance company is likely to cover you for many years before paying a claim; so your premiums stay lower.

But as age increases, the risk also increases.
The chances of:
High blood pressure
Diabetes
Cancer
Heart disease
Disability
Hospitalization
all become higher with time.

And that changes how insurers price cover.

This is where actuarial science comes in. 📊
Actuaries are professionals who calculate risk using:
Age
Health statistics
Life expectancy
Medical trends
Probability of claims
They help insurance companies estimate the likelihood of paying out a claim.

So when a 25-year-old and a 45-year-old apply for the same KES 5M life cover with KES 2.5M critical illness benefit, the older person will usually pay more; because statistically, they are more likely to claim sooner.

That’s why delaying cover can quietly become very expensive over time.

The best time to get protected is usually when you are still young, healthy, and insurable. 💡





21/05/2026

Some nights, he could not even sleep peacefully.

Not because he was lazy.
Not because he wasn’t working hard.
But because debt had quietly become part of his daily stress.

His salary would come in… and almost immediately disappear.

Loans. Bills. Rent. Emergencies.

Then before the month ended, he would borrow again just to survive.

At some point, he stopped checking his balances because they only gave him anxiety.
He started avoiding some phone calls thinking they were debt reminders.

And honestly, from the outside, nobody could tell he was struggling.

This is the reality many Kenyans are facing today.
Working hard every day… yet feeling financially stuck.

But here’s the thing:
Most people don’t get out of debt because of luck.
They get out because they finally decide to face it with a plan.

So where do you start?

First, stop borrowing for a while.
Because it becomes very hard to move forward when new debt keeps replacing the old one.

Then sit down and write every debt down.
How much do you owe?
What is the interest rate?
How long will it take to clear?

It may feel uncomfortable at first, but clarity helps you stop running from the problem.

After that, focus on clearing one debt at a time.
Not all at once.
One.
That small progress builds momentum and gives you hope.

Then comes the hard part many people ignore:
Pause unnecessary lifestyle upgrades for now.
Sometimes financial freedom requires saying: “I can survive without upgrading this for the moment.”

And finally, look for ways to increase your income.
A side hustle. Extra work. Selling a skill. Small business.
Because sometimes the problem is not only spending.
Sometimes you simply need more cash flow to breathe again.

Getting out of debt is not easy.
But living under constant financial pressure is also exhausting.

If this message resonates with you, share it with someone who may need this encouragement today.





Address

Nairobi

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00
Saturday 09:00 - 12:00

Telephone

+254110878444

Website

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