Give Your Child the Gift of a Guaranteed Education
UsomiBora by ICEA Lion — a savings and protection plan that ensures your child's education is always funded, always secured.
“Because a child's education should never depend on timing or circumstances.”
What is UsomiBora?
UsomiBora is a savings plan that builds your child's education fund — and keeps building it, no matter what happens in your life.
You Save Consistently
Choose how much to set aside monthly, quarterly, or annually. Save what works for your life — we show you what it builds. Your fund grows steadily over 8 to 17 years.
ICEA Lion Backs You Up
If life ever makes it impossible for you to keep contributing, ICEA Lion steps in and continues the plan on your behalf — all the way to maturity.
Your Child Receives the Fund
At maturity, the full guaranteed amount plus projected bonuses is paid out — tax free — exactly when your child needs it most.
📌 Good to know: The Sum Assured is the guaranteed amount. Bonuses are added on top based on ICEA Lion's fund performance — projected but not contractually guaranteed. We will always show these separately so you know exactly what is certain.
Everything This Plan Does for You
Your Child's Education Continues — No Matter What
Life can be unpredictable. Jobs change. Circumstances shift. If you're ever unable to continue contributing for any reason, ICEA Lion takes over the premium payments and carries the plan to completion. Your child receives exactly what was planned.
Every Shilling Paid Out Tax-Free
The full maturity value — guaranteed amount plus bonuses — is paid to you completely tax-free. No deductions. Nothing withheld. The full amount, yours.
Government Gives You 15% Back Every Month
As a registered education savings product, you qualify for 15% tax relief on your premiums.
KES 5,000/month premium → KES 750/month back from KRA → Your actual cost: KES 4,250/month
School-Term Aligned Payouts
Choose how you receive your maturity value:
- •One lump sum
- •4 annual payments
- •8 termly payments — one every school term, automatically covering fees as they fall due
Flexible When Your Income Changes
Your circumstances may change over 8-17 years — and that's okay. You can adjust your premiums during difficult times, then increase them again when you're ready. Your plan stays active throughout.
Your Savings Earn Bonuses
Beyond the guaranteed amount, your policy earns annual reversionary bonuses (added each year) and a terminal bonus at maturity. These grow your child's fund significantly above the base amount.
Note: Bonuses are projected, not guaranteed.
A Story Worth Reading
Janet started a UsomiBora plan for her daughter Amina in 2012, when Amina was 4 years old.
She chose KES 3,000/month for 14 years.
In 2026, Amina joined Senior Secondary School. Janet chose 8 termly payments — so every school term, fees arrived automatically.
Halfway through the policy, Janet's business went through a difficult year. She reduced her premium to KES 2,000 for 8 months, then resumed normal payments when things improved.
Amina never changed schools. Her education never paused.
That is what UsomiBora is built for.
Build Your Child's Education Plan
Personalized projections based on real ICEA Lion numbers
Step 1 of 5
What is your child's name?
We'll personalize every number for them
Works for Every School Your Child Attends
Public Schools
CBC curriculum
Private Schools
CBC curriculum
International Schools
IGCSE, IB
University & TVET Colleges
The money is paid directly to you at maturity — you choose the school. No restrictions on institution or curriculum. The plan funds the education. You make the choice.
Questions Parents Ask
You might also be interested in:
Personal Retirement Scheme
Guaranteed 4% p.a. minimum return with up to KES 30,000/month tax relief.
Endowment Assurance
Combine long-term savings with life cover. Guaranteed maturity payout.
Book Free Consultation
Speak with Harrington directly to map out your personalized financial plan.
Ready to Secure Your Child's Education?
Starting is simpler than most parents expect. A 20-minute conversation is all it takes to set up a plan that will fund your child's education — from today all the way to university.
Free consultation. No obligation. Just a clear, honest plan.
Call: +254 759449324Licensed by Insurance Regulatory Authority (IRA) Kenya | Powered by ICEA Lion since 1964