Education planning is the intentional process of building a structured financial plan to cater for your child's education from primary school to university.
It is not just about saving money. It is about ensuring that when school fees are required, the funds are available without disrupting your lifestyle, liquidating assets, or taking on debt. A well-structured education plan ensures continuity, stability, and peace of mind for both the parent and the child.
Most Kenyan parents prioritize education — yet school fees increase every year, income is not always predictable, and emergencies happen. Education planning solves this.
Ensures you are always ready when school fees are due — no last-minute scrambling, no disruption to your lifestyle.
Avoid last-minute pressure, emergency loans, and the strain of school fees catching you off guard.
Your child's education is never interrupted due to lack of funds, no matter what life brings.
Different tools can be used depending on your timeline, income pattern, and risk appetite.
Some solutions include life cover, ensuring your child's education continues even in your absence.
Instead of reacting to school fees pressure, you build a structure that works quietly in the background.
There is no one-size-fits-all approach. The right solution depends on your timeline, risk appetite, income pattern, and goals.
Structured & Guaranteed
A disciplined savings plan that provides guaranteed pay-outs at maturity. Designed for parents who want predictability and structure.
Best suited for
Parents who want certainty and structured school fees planning.
Growth-Focused
A market-linked investment plan combined with life insurance. The value of the investment grows with market performance.
Best suited for
Younger parents with a longer time horizon and higher risk tolerance.
Short-Term & Flexible
A low-risk investment focused on capital preservation and liquidity. Think of it as your dedicated school fees wallet.
Best suited for
Short-term school fees planning and emergency education funds.
Stable Growth
A low-risk investment designed to generate stable returns over the medium term, investing in government and corporate bonds.
⚠ Note: There is a 6-month lock-in period where the principal cannot be accessed.
Best suited for
Parents looking for stable growth over a medium-term horizon.
In many cases, the best approach is not one solution, but a combination. This creates a balanced and effective education strategy that covers the short, medium, and long term simultaneously.
Immediate school fees — ready when you need it, accessible within 24–48 hours.
Stable growth for fees 1–3 years out, with predictable returns.
University planning and structured savings with life cover included.
We start with your child's age, your income, timeline, and goals.
We identify the most suitable solution — or combination — for your situation.
We build a plan that aligns with your financial capacity and timeline.
We review and adjust the plan over time as your circumstances evolve.
Who want to start early and build a strong fund with the benefit of time on their side.
Who want to create structure around school fees they are already paying.
Who want to avoid financial strain and last-minute pressure during school terms.
With fluctuating income who need a structured, reliable education fund.
Anyone who wants to plan with clarity and protect their child's educational future.
The earlier you begin, the more time your money has to grow and the lower your monthly contributions need to be.
Mixing school fees money with general savings leads to shortfalls when fees are due.
School fees increase every year. Your plan must account for this — not just today's costs.
Using a long-term product for immediate school fees, or vice versa, creates mismatches and liquidity problems.
Everything you need to know about Education Planning.
School fees will not wait. And when the time comes, you do not want to be forced into decisions that compromise your financial stability.
Education planning is not optional. It is essential.
Education Planning solutions are offered subject to the relevant product terms and conditions, applicable limits, and prevailing regulations. Please speak to Mama Bima Kenya for a personalised recommendation and full illustration based on your goals and financial situation.
The earlier you start, the more you can build. Let us help you create a plan that ensures your child's education is fully funded and protected.