Clear Answers
Frequently Asked Questions
Straight, jargon-free answers on coverage, payments, renewals, pensions and claims. Can't find your question? Just ask us directly.
Coverage
What types of insurance can I get through Grayan Global Links?
We arrange general insurance (motor, medical, travel, domestic, property, marine, crop, livestock, business), life assurance (education and personal accident), asset management (unit trust, money market, balanced, equity funds) and pension plans. If it can be insured or invested, we can help.
Are you an insurance company?
No — we're a licensed insurance agency. That means we represent you, not any single insurer. We place your cover with one of our 20+ underwriting partners, shopping for the best fit and price, and we assist you directly when you claim.
Can you cover groups and institutions?
Yes. We serve individuals, co-operative societies, Chamas, SACCOs, SMEs, churches, schools, universities and colleges with tailored group and institutional schemes.
Payments
Can I pay my premiums via M-Pesa?
Yes. Most of our underwriters accept M-Pesa payments. We'll provide the correct paybill number and account format for your specific policy and walk you through it.
What payment frequencies are available?
Depending on the policy and underwriter, you can often pay annually, semi-annually, quarterly or monthly. We'll help you choose a frequency that suits your cash flow.
Do you charge fees for your advice?
As an agency, our remuneration comes from the underwriters, not from you. You get our advice and comparison service at no extra cost on most policies.
Renewals
Will you remind me when my policy is due for renewal?
Yes. We track your renewal dates and reach out ahead of time so your cover never lapses. You'll get a reminder with options to renew, adjust or switch cover.
Can I switch underwriters at renewal?
Absolutely. Because we work with 20+ insurers, if a better option exists at renewal, we'll present it. You're never locked in to one underwriter.
Pensions
Do pension contributions offer tax benefits?
Yes. Approved pension plans offer tax relief on contributions up to limits set by law, reducing your taxable income while you save for retirement.
What happens to my pension when I retire?
At retirement you can take a portion as a lump sum and use the rest to buy an annuity (guaranteed income for life) or enter an income draw-down plan. We'll explain both so you choose with confidence.
Claims
How do I file a claim?
Contact us by phone, WhatsApp or in person. We provide the correct claim form, help you complete it, tell you what documents are needed, and follow up with the underwriter until settlement.
How long does a claim take?
Timelines vary by claim type and underwriter, but complete, accurate submissions settle fastest. We push for timely processing and keep you updated throughout.
Do you assist with claims even if I didn't buy through you?
Our priority is our clients. If you obtained a policy through us, we manage your claim directly. For other situations, contact us and we'll advise honestly on your options.
Still have a question?
Our team is happy to help — no question is too small.
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