I lose my job for 6 months
You'd run down your Emergency Fund by month 4. Pause Side Hustle contributions to extend runway to 7 months. Home goal slips 4 months but stays alive.
Goals affected
Recommendations
- · Pause Side Hustle contributions
- · Maintain Emergency Fund refills
- · Suspend round-up rule until income returns
Protection that fits
Britam · Income
Britam Income Shield
KES 2k
/ month
Replaces a portion of your salary if you lose your job involuntarily or are unable to work.
Cover
KES 60k/mo for up to 12 months
"Bridges the 4-month gap your emergency fund cannot fully cover."
Jubilee Insurance · Health
Jubilee Family Health Plus
KES 6k
/ month
Comprehensive medical cover for the whole family with NHIF top-up.
Cover
KES 3M inpatient · 200k outpatient
"A single hospital admission would otherwise drain your emergency fund."
CIC Group · Critical Illness
CIC Critical Illness Rider
KES 1k
/ month
Pays a lump sum on diagnosis of cancer, stroke, heart attack and 30+ other critical conditions.
Cover
KES 2M lump sum on diagnosis
"Cash on diagnosis so you focus on treatment, not fees."
Investments to consider