Pension Insurance

Securing Your Retirement with Confidence.


At OWNIT Insurance Agency, we help you plan not just for today, but for every tomorrow. Our Pension Insurance solutions are designed to provide financial security in retirement, whether you’re an individual professional, an employer looking after your team, or a self-employed Kenyan seeking long-term stability.

We understand that retirement planning in Kenya requires foresight, discipline, and a partner you can trust. That’s why OWNIT offers pension solutions that are regulated, tax-efficient, and aligned with the Retirement Benefits Authority (RBA) guidelines.

Why Pension Planning Matters in Kenya

With life expectancy increasing and formal employment shifting, many Kenyans risk retiring without sufficient savings. Without proper pension planning, individuals often rely solely on NSSF, which may not be adequate to sustain their lifestyle post-retirement.

A private or group pension plan ensures:

  • Income replacement after retirement
  • Financial independence during old age
  • Peace of mind knowing your future is secured

Whether you’re in formal employment, self-employed, or managing an organization, a structured pension scheme gives you and your team a dependable income stream in your golden years.

What We Offer

 

Individual Pension Plans

Ideal for the self-employed, entrepreneurs, consultants, and informal sector workers. These plans are:

  • Flexible in contributions (monthly, quarterly, annually)
  • Portable—remain active even if you change jobs
  • Tax-deductible under Kenya’s Income Tax Act

 

Group Pension Schemes

For corporates, SMEs, NGOs, and Sacco employers seeking to support their employees beyond active service:

  • Employer and employee contributions can be structured
  • Boosts staff retention and morale
  • Professionally managed funds with transparent reporting

 

NSSF Tier II Contracting-Out

We support employers seeking to contract out of NSSF Tier II by offering compliant and approved private pension alternatives. This allows businesses to:

  • Offer more competitive retirement packages
  • Have greater control over fund performance
  • Maintain compliance with Kenya’s Retirement Benefits regulations


How to Enroll

For Individuals
  1. Fill out a simple pension registration form
  2. Provide your ID, KRA PIN, and contact details
  3. Choose your contribution frequency and method (bank transfer, M-Pesa, standing order)
  4. Start growing your retirement fund with peace of mind
For Employers
  1. Submit list of employees and contribution structure
  2. OWNIT helps design a tailored group scheme
  3. We handle onboarding, reporting, and compliance documentation
  4. Staff receive member statements and support
Who Needs a Pension Plan?
  • Salaried employees looking for more than NSSF
  • SME owners and consultants without corporate benefits
  • Employers seeking staff retention strategies
  • NGOs and community-based organisations with team-based operations
  • Kenyans living abroad who wish to save locally for retirement

Why Choose OWNIT for Pension Planning?

OWNIT Insurance Agency is known for client-first service, fast on-boarding, and expert guidance. We understand the intricacies of Kenya’s retirement system and tailor solutions that work for your financial goals.

We don’t just sell pension products. We walk the journey with you from enrollment, through growth, to retirement.

 

📞 Plan your tomorrow—today.
Let us help you secure your future.

📧 info@ownitagency.com
📱 +254 722 667 531 | +254 791 388 191
📍 Empire Square, Kiambu Road, Nairobi
🌐 www.ownitagency.com