Twinsave Investment Policy

Have you considered looking for an investment/savings plan that is flexible and has a competitive return on investment rate?

Twinsave Investment Policy

The Twinsave investment policy is a Geminia exclusive, flexible short-term investment plan that assists individuals to secure their investment. It is a unique solution designed to give you a platform to save regularly in return for an attractive return and a Last Expense insurance cover.

Who is the Policy suitable for?

This plan is perfect for you if you are seeking a disciplined, medium-to-long term avenue to grow your savings and build up protection against expenses associated with funerals. Goals such as travel, weddings, school fees, purchase of land, construction, saving for maternity can be taken care of by saving in your Twinsave account regularly. It is also a great vehicle for capital preservation for those in deposit taking business such as landlords so that your money does not sit idle.


tick icon
The policy has three options to choose from i.e. Individual, Twinsave Junior & Twinsave Chama
tick icon
The policy is flexible and available for short term periods of maturity from 3-25 years
tick icon
Unlike traditional investment options, the Twinsave policy covers persons between 1yr to 80 years with an exit age of 85 years.






tick icon
Provides attractive returns based on the performance of the investments but with a guaranteed minimum rate of return of 4% per annum
tick icon
The proceeds of the policy at maturity are tax exempt
tick icon
The policy has an inbuilt last expense cover for the duration of the contract which can  be extended to the policyholder’s spouse, up to 6 children and 4 parents (including parents-in-law)
tick icon
If you invest 1 million and above as an individual, the company takes up your Last expense premiums up to a maximum sum assured of Kes 50,000

N.B. The rate of returns on the savings component will have a minimum guaranteed rate of return of 4% p.a. on the Net Investment Contribution. The actual rate of return is declared at the end of every financial year. In the last 5 years, the rate of return has been 8%.  



Lady calculating

Get Started

1 Step 1
Tell Us About Yourself
First fill this form in order to use the calculators
FormCraft - WordPress form builder

Calculate Your Premium

Date of Birth
Age Next Birthday
Installment Contribution
Last Expense Cover
Payment Frequency
Projected Fund Value
Call Back

Learn More


What is the guaranteed return?

This is the minimum return that your investment can attract irrespective of the company’s financial health.




Can I add beneficiaries to the cover?

Yes, the last expense cover can be extended to cover up to one spouse, six children and four parents (including in-laws)


What is the maximum coverable age?

The maximum age of entry for this solution is 80 years.


How are the payments made?

You can pay via MPESA, Direct Debit Deductions, Cheque, or EFT

Ready To Start Your Financial Journey?

Let us assist you to choose a great plan for a greater tomorrow

Start LearningGet A Call Back