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The registration requirements of an Insurer are detailed in section 30 and 31 of the Insurance Act Cap 487 of the Laws of Kenya and include the following:

  1. An applicant shall fill in the prescribed form together with appendices. Click here to download the form.
  2. Registration fee of Kshs. 150,000 for insurance companies and Kshs. 250,000 for Reinsurers payable to the Insurance Regulatory Authority.
  3. Certified copy of the certificate of incorporation of the company.
  4. Certified copy of the Articles and Memorandum of Association of the company.
  5. A certified copy of the published prospectus, if any.
  6. A feasibility study report as outlined under Regulation 7 of the Insurance Regulations.
  7. Paid up share capital as prescribed in the Insurance Act: as may apply under: (a). Long term insurance business of Ksh. 400 million  (b). General Insurance business Kshs. 600 million  (c). Reinsurance business Ksh. 1 Billion
  8. Details of the shareholders and share holding structure of the company.
  9. Curriculum Vitae of the principal officer
  10. A statement of all the classes of business the proposer intends to transact. The classes of business are prescribed in the schedules to the Insurance Act.
  11. Specimen proposal and policy forms for all the classes of business the proposer intends to transact.
  12. The premium rates the proposer intends to apply under each class of business during the year of registration.
  13. A certificate in connection with the long term insurance business by an actuary that the premium rates terms and conditions are sound and workable.
  14. A detailed statement of assets and liabilities in Kenya at the date of application.
  15. Proposed Reinsurance arrangements.
  16. A certificate from Central Bank of Kenya specifying the amounts and details of deposits under section 32 of the Insurance Act (equivalent to 5% of the total admitted assets).
  17. The proposed contract documents with Insurance Agents and Brokers.
  18. A statement of how the company intends to cover its initial administrative costs.
  19. The name of the company should be in order and in line with Section 190.


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