{"id":3323,"date":"2026-07-13T08:27:50","date_gmt":"2026-07-13T08:27:50","guid":{"rendered":"https:\/\/phoenix.kajeatech.co.ke\/?page_id=3323"},"modified":"2026-07-30T13:48:57","modified_gmt":"2026-07-30T13:48:57","slug":"insuranace-premium-financing","status":"publish","type":"page","link":"https:\/\/phoenixcapitalkenya.co.ke\/?page_id=3323","title":{"rendered":"INSURANACE PREMIUM FINANCING"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3323\" class=\"elementor elementor-3323\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7643fc e-flex e-con-boxed e-con e-child\" data-id=\"f7643fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:3984,&quot;url&quot;:&quot;https:\\\/\\\/phoenixcapitalkenya.co.ke\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/2-scaled.jpeg&quot;},{&quot;id&quot;:3985,&quot;url&quot;:&quot;https:\\\/\\\/phoenixcapitalkenya.co.ke\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/1-scaled.jpeg&quot;},{&quot;id&quot;:3989,&quot;url&quot;:&quot;https:\\\/\\\/phoenixcapitalkenya.co.ke\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/3-scaled.jpeg&quot;}],&quot;background_slideshow_slide_transition&quot;:&quot;slide_left&quot;,&quot;background_slideshow_ken_burns&quot;:&quot;yes&quot;,&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_transition_duration&quot;:500,&quot;background_slideshow_ken_burns_zoom_direction&quot;:&quot;in&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3498d6d elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3498d6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Phoenix Capital \u2013 We Enable, You Prosper<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d4462e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1d4462e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Premium Insurance, Made Easier to Afford\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78863d0 elementor-widget elementor-widget-text-editor\" data-id=\"78863d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>IPF is a loan meant to ease the pressure of paying your insurance premiums. This product helps finance all types of insurance namely but not limited to Motor Comprehensive insurance, Health insurance, Home insurance, all Business insurances,Professional indemnity to Travel insurance.<\/p><div class=\"btnrow\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f57b8d9 e-con-full e-flex e-con e-child\" data-id=\"f57b8d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee7ab21 elementor-widget elementor-widget-button\" data-id=\"ee7ab21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply For A ipf Loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf18c4f elementor-widget elementor-widget-button\" data-id=\"cf18c4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wa.me\/254747100100\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Chat on Whatsapp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfab282 e-con-full e-flex e-con e-parent\" data-id=\"bfab282\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-08f44a4 e-con-full e-flex e-con e-child\" data-id=\"08f44a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1995b49 e-con-full e-flex e-con e-child\" data-id=\"1995b49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e84504 elementor-widget elementor-widget-html\" data-id=\"2e84504\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link\n  rel=\"stylesheet\"\n  href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.5.2\/css\/all.min.css\"\n\/>\n\n<div class=\"phx-capital-strip\">\n\n  <div class=\"phx-capital-item\">\n    <div class=\"phx-capital-icon\">\n      <i class=\"fa-solid fa-money-bill-wave\"><\/i>\n    <\/div>\n\n    <div class=\"phx-capital-copy\">\n      <span>Loan Amount<\/span>\n      <p>Up to KSh 5,000,000<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"phx-capital-item\">\n    <div class=\"phx-capital-icon\">\n      <i class=\"fa-regular fa-calendar-days\"><\/i>\n    <\/div>\n\n    <div class=\"phx-capital-copy\">\n      <span>Repayment Period<\/span>\n      <p>3\u201336 months<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"phx-capital-item\">\n    <div class=\"phx-capital-icon\">\n      <i class=\"fa-solid fa-percent\"><\/i>\n    <\/div>\n\n    <div class=\"phx-capital-copy\">\n      <span>Interest Rate<\/span>\n      <p>From 4.5% p.m.<\/p>\n    <\/div>\n  <\/div>\n\n  <div class=\"phx-capital-item\">\n    <div class=\"phx-capital-icon\">\n      <i class=\"fa-solid fa-clock\"><\/i>\n    <\/div>\n\n    <div class=\"phx-capital-copy\">\n      <span>Processing Time<\/span>\n      <p>24\u201348 hours<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700&display=swap');\n\n.phx-capital-strip,\n.phx-capital-strip * {\n  box-sizing: border-box;\n}\n\n.phx-capital-strip {\n  width: 100%;\n  max-width: 1180px;\n  margin: 0 auto;\n  padding: 24px 28px;\n  display: grid;\n  grid-template-columns: repeat(4, minmax(0, 1fr));\n  background: #ffffff;\n  border: 1px solid #eeeeee;\n  border-radius: 14px;\n  box-shadow: 0 14px 35px rgba(0, 0, 0, 0.10);\n  font-family: 'Montserrat', sans-serif;\n}\n\n.phx-capital-item {\n  min-width: 0;\n  min-height: 64px;\n  display: flex;\n  align-items: center;\n  gap: 15px;\n  padding: 4px 24px;\n  border-right: 1px solid #e7e7e7;\n}\n\n.phx-capital-item:first-child {\n  padding-left: 4px;\n}\n\n.phx-capital-item:last-child {\n  padding-right: 4px;\n  border-right: none;\n}\n\n.phx-capital-icon {\n  width: 42px;\n  height: 42px;\n  min-width: 42px;\n  flex: 0 0 42px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  color: #E2560F;\n}\n\n.phx-capital-icon i {\n  display: inline-block;\n  color: #E2560F;\n  font-size: 28px;\n  line-height: 1;\n}\n\n.phx-capital-copy {\n  min-width: 0;\n}\n\n.phx-capital-copy span {\n  display: block;\n  margin-bottom: 5px;\n  color: #171717;\n  font-size: 13px;\n  font-weight: 700;\n  line-height: 1.25;\n}\n\n.phx-capital-copy p {\n  margin: 0;\n  color: #696969;\n  font-size: 12px;\n  font-weight: 400;\n  line-height: 1.45;\n}\n\n@media (max-width: 900px) {\n  .phx-capital-strip {\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    padding: 18px;\n  }\n\n  .phx-capital-item {\n    padding: 18px;\n  }\n\n  .phx-capital-item:nth-child(2) {\n    border-right: none;\n  }\n\n  .phx-capital-item:nth-child(-n+2) {\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .phx-capital-item:first-child,\n  .phx-capital-item:last-child {\n    padding: 18px;\n  }\n}\n\n@media (max-width: 560px) {\n  .phx-capital-strip {\n    grid-template-columns: 1fr;\n    padding: 10px 18px;\n    border-radius: 12px;\n  }\n\n  .phx-capital-item,\n  .phx-capital-item:first-child,\n  .phx-capital-item:last-child {\n    padding: 18px 4px;\n    border-right: none;\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .phx-capital-item:last-child {\n    border-bottom: none;\n  }\n\n  .phx-capital-icon i {\n    font-size: 25px;\n  }\n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8bf0e09 e-flex e-con-boxed e-con e-child\" data-id=\"8bf0e09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5e933ac e-flex e-con-boxed e-con e-child\" data-id=\"5e933ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8919c6b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8919c6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">\u2014 Motor Insurance\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b49c90 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8b49c90\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Spread the cost of your insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5776903 elementor-widget elementor-widget-text-editor\" data-id=\"5776903\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"mb-8\"><p class=\"sub\">Insurance Premium Financing allows you to pay your annual insurance premium over manageable monthly instalments instead of making one large upfront payment. Your policy is activated immediately once the insurer receives the premium.<\/p><div class=\"cards3\"><div class=\"card\">\u00a0<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35d9913 e-con-full e-flex e-con e-child\" data-id=\"35d9913\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c143ead e-con-full e-flex e-con e-child\" data-id=\"c143ead\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6e0ffb elementor-widget elementor-widget-heading\" data-id=\"e6e0ffb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Comprehensive cover\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f729ca1 elementor-widget elementor-widget-text-editor\" data-id=\"f729ca1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"card\"><p>Protection against accident, theft, and third-party liability in one policy.<\/p><\/div><div class=\"card\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33904d8 e-con-full e-flex e-con e-child\" data-id=\"33904d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e49bd4 elementor-widget elementor-widget-heading\" data-id=\"0e49bd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Immediate Cover<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f90565 elementor-widget elementor-widget-text-editor\" data-id=\"9f90565\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"bg-white border border-gray-100 rounded-xl p-5 shadow-sm hover:shadow-md transition-shadow\"><div class=\"card\"><p>Your insurance policy becomes active immediately once the premium is settled with the insurer.<\/p><\/div><div class=\"card\">\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3206136 e-con-full e-flex e-con e-child\" data-id=\"3206136\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c16ccda elementor-widget elementor-widget-heading\" data-id=\"c16ccda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Affordable Monthly Payments\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5944ffd elementor-widget elementor-widget-text-editor\" data-id=\"5944ffd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<section class=\"py-14 bg-white\"><div class=\"max-w-7xl mx-auto px-4\"><div class=\"grid md:grid-cols-3 gap-5\"><div class=\"bg-white border border-gray-100 rounded-xl p-5 shadow-sm hover:shadow-md transition-shadow\"><div class=\"cards3\"><div class=\"card\"><p>Spread your premium into convenient monthly instalments that fit your budget.<\/p><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-847c8b5 e-flex e-con-boxed e-con e-child\" data-id=\"847c8b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1c2fb97 e-flex e-con-boxed e-con e-child\" data-id=\"1c2fb97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-67565b8 e-con-full e-flex e-con e-child\" data-id=\"67565b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec5194 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"7ec5194\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n.process-steps-wrap {\r\n  padding: 20px 0;\r\n}\r\n.process-tag {\r\n  color: #F05325;\r\n  font-weight: 700;\r\n  font-size: 13px;\r\n  letter-spacing: 1px;\r\n  text-transform: uppercase;\r\n  margin-bottom: 10px;\r\n}\r\n.process-tag::before {\r\n  content: \"\u2014\";\r\n  margin-right: 6px;\r\n}\r\n.process-heading {\r\n  font-family: Georgia, 'Times New Roman', serif;\r\n  font-size: 34px;\r\n  font-weight: 700;\r\n  color: #1a1a2e;\r\n  margin: 0 0 12px;\r\n}\r\n.process-subheading {\r\n  font-size: 16px;\r\n  color: #555;\r\n  margin: 0 0 40px;\r\n  max-width: 700px;\r\n}\r\n.process-steps {\r\n  display: flex;\r\n  justify-content: space-between;\r\n  position: relative;\r\n}\r\n.process-step {\r\n  flex: 1;\r\n  position: relative;\r\n  padding-right: 20px;\r\n}\r\n.process-step:not(:last-child)::after {\r\n  content: \"\";\r\n  position: absolute;\r\n  top: 20px;\r\n  left: 60px;\r\n  right: 0;\r\n  height: 1px;\r\n  border-top: 2px dashed #e0e0e0;\r\n}\r\n.step-number {\r\n  width: 40px;\r\n  height: 40px;\r\n  background-color: #F05325;\r\n  color: #fff;\r\n  border-radius: 50%;\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  font-weight: 700;\r\n  font-size: 15px;\r\n  margin-bottom: 16px;\r\n  position: relative;\r\n  z-index: 2;\r\n}\r\n.step-title {\r\n  font-weight: 700;\r\n  font-size: 16px;\r\n  color: #1a1a2e;\r\n  margin: 0 0 8px;\r\n}\r\n.step-desc {\r\n  font-size: 13.5px;\r\n  color: #777;\r\n  line-height: 1.5;\r\n  margin: 0;\r\n  max-width: 160px;\r\n}\r\n@media (max-width: 991px) {\r\n  .process-steps {\r\n    flex-wrap: wrap;\r\n    row-gap: 30px;\r\n  }\r\n  .process-step {\r\n    flex: 0 0 33.333%;\r\n  }\r\n  .process-step:nth-child(3n)::after {\r\n    content: none;\r\n  }\r\n}\r\n@media (max-width: 600px) {\r\n  .process-step {\r\n    flex: 0 0 50%;\r\n  }\r\n  .process-step:nth-child(2n)::after {\r\n    content: none;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<div class=\"process-steps-wrap\">\r\n  <div class=\"process-tag\">Process<\/div>\r\n  <h2 class=\"process-heading\">How the application works<\/h2>\r\n  <p class=\"process-subheading\">Four steps from application to money in hand. Most customers with complete documents finish the same day.<\/p>\r\n\r\n  <div class=\"process-steps\">\r\n    <div class=\"process-step\">\r\n      <div class=\"step-number\">01<\/div>\r\n      <h3 class=\"step-title\">Select Cover\r\n<\/h3>\r\n      <p class=\"step-desc\">Choose the insurance type and coverage level you need.\r\n<\/p>\r\n    <\/div>\r\n    <div class=\"process-step\">\r\n      <div class=\"step-number\">02<\/div>\r\n      <h3 class=\"step-title\">Get a Quote\r\n<\/h3>\r\n      <p class=\"step-desc\">Our team provides a transparent, no-obligation quotation.\r\n<\/p>\r\n    <\/div>\r\n    <div class=\"process-step\">\r\n      <div class=\"step-number\">03<\/div>\r\n      <h3 class=\"step-title\">Spread the Cost\r\n<\/h3>\r\n      <p class=\"step-desc\">Opt for monthly instalments via Insurance Premium Financing.\r\n<\/p>\r\n    <\/div>\r\n    <div class=\"process-step\">\r\n      <div class=\"step-number\">04<\/div>\r\n      <h3 class=\"step-title\">Cover Starts\r\n<\/h3>\r\n      <p class=\"step-desc\">Your policy is issued and cover begins on the agreed date.\r\n<\/p>\r\n\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57394cb e-flex e-con-boxed e-con e-child\" data-id=\"57394cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-80ce70a e-flex e-con-boxed e-con e-child\" data-id=\"80ce70a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-caed047 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"caed047\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">\u2014 Eligibility\n<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208f8bc elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"208f8bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who qualifies, and what to bring\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-98fd9fc e-con-full e-flex e-con e-child\" data-id=\"98fd9fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-928ff3a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"928ff3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kenyan citizen or resident, 18 years and above<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">National ID<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Passport photo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">6 months' bank\/M-Pesa statements<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44269d5 e-con-full e-flex e-con e-child\" data-id=\"44269d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fbc8db elementor-widget elementor-widget-html\" data-id=\"8fbc8db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<div id=\"pc-loan-calc\" style=\"max-width:420px;margin:0 auto;font-family:'Montserrat',sans-serif;background:#ffffff;border-radius:16px;padding:24px;box-shadow:0 10px 40px rgba(0,0,0,0.12);\">\r\n\r\n  <!-- Header -->\r\n  <div style=\"display:flex;align-items:center;gap:10px;margin-bottom:20px;\">\r\n    <div style=\"width:36px;height:36px;border-radius:10px;background:#E2560F;display:flex;align-items:center;justify-content:center;flex-shrink:0;\">\r\n      <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"2\" width=\"16\" height=\"20\" rx=\"2\"><\/rect><line x1=\"8\" y1=\"7\" x2=\"16\" y2=\"7\"><\/line><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"><\/line><line x1=\"8\" y1=\"17\" x2=\"12\" y2=\"17\"><\/line><\/svg>\r\n    <\/div>\r\n    <div>\r\n      <div style=\"font-weight:700;font-size:14px;color:#111111;\">Loan Calculator<\/div>\r\n      <div style=\"font-size:12px;color:#999999;\">Estimate your monthly payment<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- Loan Amount -->\r\n  <div style=\"margin-bottom:18px;\">\r\n    <div style=\"display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;\">\r\n      <span style=\"font-size:13px;font-weight:500;color:#666666;\">Loan Amount<\/span>\r\n      <span id=\"pc-amount-out\" style=\"font-weight:700;font-size:14px;color:#111111;\">KSh 500,000<\/span>\r\n    <\/div>\r\n    <input id=\"pc-amount\" class=\"pc-slider\" type=\"range\" min=\"50000\" max=\"5000000\" step=\"50000\" value=\"500000\" style=\"width:100%;\">\r\n    <div style=\"display:flex;justify-content:space-between;font-size:11px;color:#aaaaaa;margin-top:4px;\">\r\n      <span>KSh 50K<\/span><span>KSh 5M<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- Monthly Rate -->\r\n  <div style=\"margin-bottom:18px;\">\r\n    <div style=\"display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;\">\r\n      <span style=\"font-size:13px;font-weight:500;color:#666666;\">Monthly Rate<\/span>\r\n      <span id=\"pc-rate-out\" style=\"font-weight:700;font-size:14px;color:#111111;\">4.5%<\/span>\r\n    <\/div>\r\n    <input id=\"pc-rate\" class=\"pc-slider\" type=\"range\" min=\"3\" max=\"8\" step=\"0.1\" value=\"4.0\" style=\"width:100%;\">\r\n    <div style=\"display:flex;justify-content:space-between;font-size:11px;color:#aaaaaa;margin-top:4px;\">\r\n      <span>3%<\/span><span>8%<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- Loan Term -->\r\n  <div style=\"margin-bottom:20px;\">\r\n    <div style=\"display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;\">\r\n      <span style=\"font-size:13px;font-weight:500;color:#666666;\">Loan Term<\/span>\r\n      <span id=\"pc-term-out\" style=\"font-weight:700;font-size:14px;color:#111111;\">12 months<\/span>\r\n    <\/div>\r\n    <input id=\"pc-term\" class=\"pc-slider\" type=\"range\" min=\"1\" max=\"36\" step=\"1\" value=\"12\" style=\"width:100%;\">\r\n    <div style=\"display:flex;justify-content:space-between;font-size:11px;color:#aaaaaa;margin-top:4px;\">\r\n      <span>1 mo<\/span><span>36 mo<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- Result Box -->\r\n  <div style=\"background:#111111;border-radius:12px;padding:16px;margin-bottom:16px;\">\r\n    <div style=\"color:#E2560F;font-size:10px;font-weight:700;letter-spacing:0.5px;text-transform:uppercase;margin-bottom:4px;\">Estimated Monthly Payment<\/div>\r\n    <div id=\"pc-monthly-out\" style=\"color:#ffffff;font-size:28px;font-weight:800;line-height:1.2;\">KSh 0<\/div>\r\n    <div style=\"color:rgba(255,255,255,0.4);font-size:10px;margin-top:4px;\">Indicative \u2014 subject to credit assessment<\/div>\r\n  <\/div>\r\n\r\n  <!-- CTA -->\r\n  <a href=\"#form\" style=\"display:flex;align-items:center;justify-content:center;gap:8px;background:#E2560F;color:#ffffff;text-align:center;padding:14px;border-radius:10px;text-decoration:none;font-weight:700;font-size:14px;\">\r\n    Apply for This Loan\r\n    <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#ffffff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\r\n  <\/a>\r\n<\/div>\r\n\r\n<style>\r\n  #pc-loan-calc .pc-slider {\r\n    -webkit-appearance: none;\r\n    appearance: none;\r\n    width: 100%;\r\n    height: 5px;\r\n    border-radius: 3px;\r\n    background: #f0f0f0;\r\n    outline: none;\r\n    cursor: pointer;\r\n    box-sizing: border-box;\r\n    margin: 0;\r\n    padding: 0;\r\n  }\r\n  #pc-loan-calc .pc-slider::-webkit-slider-thumb {\r\n    -webkit-appearance: none;\r\n    appearance: none;\r\n    width: 18px;\r\n    height: 18px;\r\n    border-radius: 50%;\r\n    background: #E2560F;\r\n    box-shadow: 0 2px 6px rgba(226,86,15,0.4);\r\n    cursor: pointer;\r\n    margin-top: -6.5px;\r\n  }\r\n  #pc-loan-calc .pc-slider::-webkit-slider-runnable-track {\r\n    height: 5px;\r\n    border-radius: 3px;\r\n    background: transparent;\r\n  }\r\n  #pc-loan-calc .pc-slider::-moz-range-thumb {\r\n    width: 18px;\r\n    height: 18px;\r\n    border-radius: 50%;\r\n    background: #E2560F;\r\n    border: none;\r\n    box-shadow: 0 2px 6px rgba(226,86,15,0.4);\r\n    cursor: pointer;\r\n  }\r\n  #pc-loan-calc .pc-slider::-moz-range-track {\r\n    height: 5px;\r\n    border-radius: 3px;\r\n    background: transparent;\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  var amountSlider = document.getElementById('pc-amount');\r\n  var rateSlider = document.getElementById('pc-rate');\r\n  var termSlider = document.getElementById('pc-term');\r\n  var amountOut = document.getElementById('pc-amount-out');\r\n  var rateOut = document.getElementById('pc-rate-out');\r\n  var termOut = document.getElementById('pc-term-out');\r\n  var monthlyOut = document.getElementById('pc-monthly-out');\r\n\r\n  var THUMB_WIDTH = 18;\r\n\r\n  function fmtKsh(n){\r\n    return 'KSh ' + Math.round(n).toLocaleString('en-KE');\r\n  }\r\n\r\n  function paintSlider(slider){\r\n    var min = parseFloat(slider.min);\r\n    var max = parseFloat(slider.max);\r\n    var val = parseFloat(slider.value);\r\n    var percent = (val - min) \/ (max - min);\r\n    var trackWidth = slider.offsetWidth || 1;\r\n    var thumbCenterPx = (THUMB_WIDTH \/ 2) + percent * (trackWidth - THUMB_WIDTH);\r\n    var fillPercent = (thumbCenterPx \/ trackWidth) * 100;\r\n    slider.style.background =\r\n      'linear-gradient(to right, #E2560F 0%, #E2560F ' + fillPercent + '%, #f0f0f0 ' + fillPercent + '%, #f0f0f0 100%)';\r\n  }\r\n\r\n  function paintAll(){\r\n    paintSlider(amountSlider);\r\n    paintSlider(rateSlider);\r\n    paintSlider(termSlider);\r\n  }\r\n\r\n  function calcMonthly(p, monthlyPct, months){\r\n    if (monthlyPct === 0) return p \/ months;\r\n    var r = monthlyPct \/ 100;\r\n    return (p * r * Math.pow(1 + r, months)) \/ (Math.pow(1 + r, months) - 1);\r\n  }\r\n\r\n  function calculate(){\r\n    var P = parseFloat(amountSlider.value);\r\n    var rate = parseFloat(rateSlider.value);\r\n    var term = parseInt(termSlider.value, 10);\r\n\r\n    amountOut.textContent = fmtKsh(P);\r\n    rateOut.textContent = rate.toFixed(1) + '%';\r\n    termOut.textContent = term + ' months';\r\n    monthlyOut.textContent = fmtKsh(calcMonthly(P, rate, term));\r\n\r\n    paintAll();\r\n  }\r\n\r\n  amountSlider.addEventListener('input', calculate);\r\n  rateSlider.addEventListener('input', calculate);\r\n  termSlider.addEventListener('input', calculate);\r\n  window.addEventListener('resize', paintAll);\r\n  setTimeout(calculate, 50);\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4946b19 e-con-full e-flex e-con e-child\" data-id=\"4946b19\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ecc1007 e-con-full e-flex e-con e-child\" data-id=\"ecc1007\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-731584a e-con-full e-flex e-con e-child\" data-id=\"731584a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64edb0e elementor-widget elementor-widget-counter\" data-id=\"64edb0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Happy Clients<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"1000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a5abce elementor-widget elementor-widget-counter\" data-id=\"4a5abce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Branches Nationwide<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"12\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5702dc2 elementor-widget elementor-widget-counter\" data-id=\"5702dc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Average approval time<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"24\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">hrs<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581521e elementor-widget elementor-widget-counter\" data-id=\"581521e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Years in business<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"10\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85c6bf3 e-con-full e-flex e-con e-child\" data-id=\"85c6bf3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6ffafe9 e-con-full e-flex e-con e-child\" data-id=\"6ffafe9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cb2a127 e-con-full e-flex e-con e-child\" data-id=\"cb2a127\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f717d6e elementor-widget elementor-widget-html\" data-id=\"f717d6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n.branches-section {\r\n  font-family: 'Montserrat', sans-serif;\r\n  padding: 60px 20px;\r\n  max-width: 1200px;\r\n  margin: 0 auto;\r\n}\r\n.branches-tag {\r\n  color: #F05325;\r\n  font-weight: 700;\r\n  font-size: 13px;\r\n  letter-spacing: 1px;\r\n  text-transform: uppercase;\r\n  margin-bottom: 10px;\r\n}\r\n.branches-tag::before {\r\n  content: \"\u2014\";\r\n  margin-right: 6px;\r\n}\r\n.branches-heading {\r\n  font-family: Georgia, 'Times New Roman', serif;\r\n  font-size: 34px;\r\n  font-weight: 700;\r\n  color: #1a1a2e;\r\n  margin: 0 0 12px;\r\n}\r\n.branches-subheading {\r\n  font-size: 16px;\r\n  color: #555;\r\n  margin: 0 0 40px;\r\n  max-width: 700px;\r\n}\r\n.branches-grid {\r\n  display: grid;\r\n  grid-template-columns: repeat(4, 1fr);\r\n  gap: 14px;\r\n}\r\n.branch-card {\r\n  border-radius: 10px;\r\n  padding: 18px;\r\n  background-color: #f8f8f8;\r\n  border: 1px solid #f0f0f0;\r\n}\r\n.branch-card.branch-hq {\r\n  background-color: rgba(226, 86, 15, 0.05);\r\n  border: 1px solid rgba(226, 86, 15, 0.3);\r\n}\r\n.branch-region {\r\n  font-size: 10px;\r\n  font-weight: 700;\r\n  letter-spacing: 1px;\r\n  text-transform: uppercase;\r\n  color: #999;\r\n  margin-bottom: 4px;\r\n}\r\n.branch-card.branch-hq .branch-region {\r\n  color: #E2560F;\r\n}\r\n.branch-name {\r\n  font-weight: 700;\r\n  font-size: 15px;\r\n  color: #1a1a2e;\r\n  margin: 0 0 4px;\r\n}\r\n.branch-address {\r\n  font-size: 12px;\r\n  color: #999;\r\n  line-height: 1.5;\r\n  margin: 0;\r\n}\r\n@media (max-width: 991px) {\r\n  .branches-grid {\r\n    grid-template-columns: repeat(2, 1fr);\r\n  }\r\n}\r\n@media (max-width: 600px) {\r\n  .branches-grid {\r\n    grid-template-columns: 1fr;\r\n  }\r\n}\r\n<\/style>\r\n<div class=\"branches-section\">\r\n  <div class=\"branches-tag\">Find Us<\/div>\r\n  <h2 class=\"branches-heading\">Branches available<\/h2>\r\n  <p class=\"branches-subheading\">Head Office is in Kilimani, Nairobi, with branches across the city and beyond.<\/p>\r\n  <div class=\"branches-grid\">\r\n    <div class=\"branch-card branch-hq\">\r\n      <div class=\"branch-region\">Head Office<\/div>\r\n      <h3 class=\"branch-name\">Kilimani<\/h3>\r\n      <p class=\"branch-address\">8th Floor, The Arch Place, Nyangumi Road<\/p>\r\n    <\/div>\r\n    <div class=\"branch-card\">\r\n      <div class=\"branch-region\">Nairobi<\/div>\r\n      <h3 class=\"branch-name\">CBD Town<\/h3>\r\n      <p class=\"branch-address\">12th Floor, Finance House, Loita Street<\/p>\r\n    <\/div>\r\n    <div class=\"branch-card\">\r\n      <div class=\"branch-region\">Nairobi<\/div>\r\n      <h3 class=\"branch-name\">Hurlingham<\/h3>\r\n      <p class=\"branch-address\">4th Floor, Marala Oasis<\/p>\r\n    <\/div>\r\n    <div class=\"branch-card\">\r\n      <div class=\"branch-region\">Nairobi<\/div>\r\n      <h3 class=\"branch-name\">Buruburu<\/h3>\r\n      <p class=\"branch-address\">2nd Floor, Fairline Centre<\/p>\r\n    <\/div>\r\n   \r\n    <div class=\"branch-card\">\r\n      <div class=\"branch-region\">Nairobi<\/div>\r\n      <h3 class=\"branch-name\">Utawala<\/h3>\r\n      <p class=\"branch-address\">1st Floor, Grey Park Annex<\/p>\r\n    <\/div>\r\n \r\n \r\n  \r\n    <div class=\"branch-card\">\r\n      <div class=\"branch-region\">Kiambu<\/div>\r\n      <h3 class=\"branch-name\">Kiambu<\/h3>\r\n      <p class=\"branch-address\">8th Floor, Bishop Ranji House<\/p>\r\n    <\/div>\r\n    <div class=\"branch-card\">\r\n      <div class=\"branch-region\">Kiambu<\/div>\r\n      <h3 class=\"branch-name\">Thika<\/h3>\r\n      <p class=\"branch-address\">1st Floor, Maisha Heights<\/p>\r\n    <\/div>\r\n    <div class=\"branch-card\">\r\n      <div class=\"branch-region\">Kajiado<\/div>\r\n      <h3 class=\"branch-name\">Kitengela<\/h3>\r\n      <p class=\"branch-address\">  3rd floor Kitengela Mall<\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d315119 elementor-widget elementor-widget-html\" data-id=\"d315119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n.cbk-trust-block {\r\n  font-family: 'Montserrat', sans-serif;\r\n  background-color: #111111;\r\n  border-radius: 12px;\r\n  padding: 32px;\r\n  max-width: 900px;\r\n  margin: 0 auto;\r\n}\r\n.cbk-badge {\r\n  display: inline-block;\r\n  border: 1px solid rgba(226, 86, 15, 0.5);\r\n  color: #E2560F;\r\n  font-size: 10px;\r\n  font-weight: 700;\r\n  padding: 4px 12px;\r\n  border-radius: 999px;\r\n  text-transform: uppercase;\r\n  letter-spacing: 0.5px;\r\n  margin-bottom: 16px;\r\n}\r\n.cbk-title {\r\n  font-family: Georgia, 'Times New Roman', serif;\r\n  font-size: 22px;\r\n  font-weight: 700;\r\n  color: #ffffff;\r\n  margin: 0 0 14px;\r\n}\r\n.cbk-desc {\r\n  font-family: 'Montserrat', sans-serif;\r\n  font-size: 14px;\r\n  color: rgba(255,255,255,0.6);\r\n  line-height: 1.7;\r\n  margin: 0 0 24px;\r\n}\r\n.cbk-stats {\r\n  display: grid;\r\n  grid-template-columns: repeat(3, 1fr);\r\n  gap: 16px;\r\n  border-top: 1px solid rgba(255,255,255,0.1);\r\n  padding-top: 20px;\r\n}\r\n.cbk-stat-value {\r\n  color: #E2560F;\r\n  font-size: 22px;\r\n  font-weight: 700;\r\n}\r\n.cbk-stat-label {\r\n  color: rgba(255,255,255,0.45);\r\n  font-size: 12px;\r\n  margin-top: 2px;\r\n}\r\n@media (max-width: 600px) {\r\n  .cbk-stats {\r\n    grid-template-columns: 1fr;\r\n    gap: 14px;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<div class=\"cbk-trust-block\">\r\n  <div class=\"cbk-badge\">CBK Regulated<\/div>\r\n  <h3 class=\"cbk-title\">Licensed lending, on the record.<\/h3>\r\n  <p class=\"cbk-desc\">Phoenix Capital Limited is licensed by the Central Bank of Kenya (CBK) as a Digital Credit Provider under the Central Bank of Kenya Act, and is listed on CBK's public directory of licensed lenders. Every loan we issue comes with a written offer, transparent terms, and a formally registered NTSA transfer \u2014 no informal side agreements.<\/p>\r\n  <div class=\"cbk-stats\">\r\n    <div>\r\n      <div class=\"cbk-stat-value\">70%<\/div>\r\n      <div class=\"cbk-stat-label\">Max loan-to-value<\/div>\r\n    <\/div>\r\n    <div>\r\n      <div class=\"cbk-stat-value\">2 hrs<\/div>\r\n      <div class=\"cbk-stat-label\">Fastest disbursement<\/div>\r\n    <\/div>\r\n    <div>\r\n      <div class=\"cbk-stat-value\">11<\/div>\r\n      <div class=\"cbk-stat-label\">Branches nationwide<\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b98f853 form e-flex e-con-boxed e-con e-child\" data-id=\"b98f853\" data-element_type=\"container\" data-e-type=\"container\" id=\"form\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97ed546 elementor-widget elementor-widget-heading\" data-id=\"97ed546\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u2014 Apply\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78c501b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"78c501b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Start your application\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cab2fc9 e-flex e-con-boxed e-con e-parent\" data-id=\"cab2fc9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76284f2 e-con-full e-flex e-con e-child\" data-id=\"76284f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8f78b6 elementor-widget elementor-widget-shortcode\" data-id=\"d8f78b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='fluentform ff-default fluentform_wrapper_10 ffs_default_wrap'><form data-form_id=\"10\" id=\"fluentform_10\" class=\"frm-fluent-form fluent_form_10 ff-el-form-top ff_form_instance_10_1 ff-form-loading ffs_default\" data-form_instance=\"ff_form_instance_10_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Insurance Premium Loan<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='3323' \/><input type=\"hidden\" id=\"_fluentform_10_fluentformnonce\" name=\"_fluentform_10_fluentformnonce\" value=\"2ce3a794c5\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F3323\" \/><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_1 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 100%;'><div class='ff-el-group  ff-custom_html' tabindex='-1' data-name=\"custom_html-10_1\" ><h3 style=\"text-align: center\"><strong>INSURANCE<\/strong><\/h3>\n<h3 style=\"text-align: center\">Your Details<\/h3><\/div><\/div><\/div><div data-type=\"name-element\" data-name=\"names\" class=\" ff-field_container ff-name-field-wrapper\" ><div class='ff-t-container'><div class='ff-t-cell '><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_10_names_first_name_' id='label_ff_10_names_first_name_' >First Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[first_name]\" id=\"ff_10_names_first_name_\" class=\"ff-el-form-control\" placeholder=\"First Name\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell '><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_10_names_last_name_' id='label_ff_10_names_last_name_' >Last Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names[last_name]\" id=\"ff_10_names_last_name_\" class=\"ff-el-form-control\" placeholder=\"Last Name\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_2\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_10_input_text' id='label_ff_10_input_text' aria-label=\"Phone number\">Phone number<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"input_text\" class=\"ff-el-form-control\" placeholder=\"Mobile number\" data-name=\"input_text\" id=\"ff_10_input_text\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_10_email' id='label_ff_10_email' aria-label=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_10_email\" class=\"ff-el-form-control\" placeholder=\"Email Address\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div class='ff-el-group  ff-custom_html' tabindex='-1' data-name=\"custom_html-10_2\" ><h3 style=\"text-align: center\"><b>Vehicle Details &amp; Cover Details<\/b><\/h3><\/div><div data-name=\"ff_cn_id_3\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_10_input_text_2' id='label_ff_10_input_text_2' aria-label=\"Vehicle Make\">Vehicle Make<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"input_text_2\" class=\"ff-el-form-control\" placeholder=\"Lexus, Subaru, Honda etc\" data-name=\"input_text_2\" id=\"ff_10_input_text_2\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_10_numeric_field' id='label_ff_10_numeric_field' aria-label=\"Estimated Vehicle Value\">Estimated Vehicle Value<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric_field\" id=\"ff_10_numeric_field\" class=\"ff-el-form-control\" placeholder=\"Vehicle Value\" data-name=\"numeric_field\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div data-name=\"ff_cn_id_4\"  class='ff-t-container ff-column-container ff_columns_total_2 '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_10_dropdown' id='label_ff_10_dropdown' aria-label=\"Cover Type\">Cover Type<\/label><\/div><div class='ff-el-input--content'><select name=\"dropdown\" id=\"ff_10_dropdown\" class=\"ff-el-form-control\" data-name=\"dropdown\" data-calc_value=\"0\"  aria-invalid=\"false\" aria-required=\"false\" aria-labelledby=\"label_ff_10_dropdown\"><option value=\"\">- Select -<\/option><option value=\"Comprehensive\"  >Comprehensive<\/option><option value=\"Third-party\"  >Third-party<\/option><option value=\"Fleet\/Boda\"  >Fleet\/Boda<\/option><\/select><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_10_numeric_field_1' id='label_ff_10_numeric_field_1' aria-label=\"Annual Premium Amount\">Annual Premium Amount<\/label><\/div><div class='ff-el-input--content'><input type=\"number\" name=\"numeric_field_1\" id=\"ff_10_numeric_field_1\" class=\"ff-el-form-control\" placeholder=\"If financing premium\" data-name=\"numeric_field_1\" inputmode=\"numeric\" step=\"any\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><\/div><div class='ff-el-group    ff-el-input--content'><div class='ff-el-form-check ff-el-tc'><label aria-label='I understand that Phoenix Capital Kenya will contact me for follow-up inquiries.' class='ff-el-form-check-label ff_tc_label' for=terms-n-condition_bdb837524db33d7dc2861debb64db0a5><span class='ff_tc_checkbox'><input type=\"checkbox\" name=\"terms-n-condition\" class=\"ff-el-form-check-input\" data-name=\"terms-n-condition\" id=\"terms-n-condition_bdb837524db33d7dc2861debb64db0a5\"  value='on' aria-invalid='false' aria-required=true><\/span> <div class='ff_t_c'><p>I understand that Phoenix Capital Kenya will contact me for follow-up inquiries.<\/p><\/div><\/label><\/div><\/div><div class='ff-el-group ff-text-left ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_style wpf_has_custom_css\"  aria-label=\"Submit Application\">Submit Application<\/button><\/div><\/fieldset><\/form><div 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class=\"elementor-element elementor-element-44debd0 elementor-widget elementor-widget-image\" data-id=\"44debd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/phoenixcapitalkenya.co.ke\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-28-at-12.22.57-PM-819x1024.jpeg\" class=\"attachment-large size-large wp-image-4528\" alt=\"\" srcset=\"https:\/\/phoenixcapitalkenya.co.ke\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-28-at-12.22.57-PM-819x1024.jpeg 819w, https:\/\/phoenixcapitalkenya.co.ke\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-28-at-12.22.57-PM-240x300.jpeg 240w, https:\/\/phoenixcapitalkenya.co.ke\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-28-at-12.22.57-PM-768x960.jpeg 768w, https:\/\/phoenixcapitalkenya.co.ke\/wp-content\/uploads\/2026\/07\/WhatsApp-Image-2026-07-28-at-12.22.57-PM.jpeg 1080w\" sizes=\"(max-width: 819px) 100vw, 819px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1d56c5 e-flex e-con-boxed e-con e-parent\" data-id=\"b1d56c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f56db2 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4f56db2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9a1072 elementor-widget elementor-widget-n-accordion\" data-id=\"e9a1072\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2440\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2440\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is insurance premium financing? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2440\" class=\"elementor-element elementor-element-0aba5ee e-con-full e-flex e-con e-child\" data-id=\"0aba5ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7fcfa1 elementor-widget elementor-widget-text-editor\" data-id=\"b7fcfa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Insurance Premium Financing (IPF) is a short-term credit facility that lets you pay your annual insurance premium (motor, medical, business, or other general covers) in manageable monthly installments instead of one large lump sum upfront. It&#8217;s a three-way arrangement between you (the insured), your insurance company, and Phoenix Capital as the financier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2441\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2441\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does it work? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2441\" class=\"elementor-element elementor-element-395e912 e-con-full e-flex e-con e-child\" data-id=\"395e912\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6304fdc elementor-widget elementor-widget-text-editor\" data-id=\"6304fdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Instead of receiving cash, Phoenix Capital pays your insurance premium directly to the insurer (or your insurance broker\/agent) in full, so your cover starts or renews immediately. You then repay Phoenix Capital in installments over an agreed period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2442\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2442\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What types of insurance can be financed? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2442\" class=\"elementor-element elementor-element-be067df e-con-full e-flex e-con e-child\" data-id=\"be067df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7755fcc elementor-widget elementor-widget-text-editor\" data-id=\"7755fcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most general insurance policies can be financed this way \u2014 motor vehicle insurance, business\/commercial insurance, and in some cases medical insurance, depending on the underwriter. Life insurance policies are typically excluded from IPF arrangements industry-wide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2443\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2443\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What do I need to apply? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2443\" class=\"elementor-element elementor-element-ad3ff09 e-con-full e-flex e-con e-child\" data-id=\"ad3ff09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-194149a elementor-widget elementor-widget-text-editor\" data-id=\"194149a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>National ID and KRA PIN (or company registration documents for businesses)<\/li><li>A risk note, quotation, or policy schedule from your insurer or broker showing the premium due<\/li><li>Proof of the first installment\/down payment<\/li><li>A signed IPF agreement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2444\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2444\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long is the repayment period, and how do I pay? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2444\" class=\"elementor-element elementor-element-34f0127 e-con-full e-flex e-con e-child\" data-id=\"34f0127\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0fa81d elementor-widget elementor-widget-text-editor\" data-id=\"e0fa81d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>IPF facilities are short-term by nature, typically structured over 6 to 10 months, aligned with your policy period (usually 12 months), with the first installment often paid upfront.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2445\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2445\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if I cancel my insurance policy before the IPF loan is fully repaid? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2445\" class=\"elementor-element elementor-element-71a9bdb e-flex e-con-boxed e-con e-child\" data-id=\"71a9bdb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2445\" class=\"elementor-element elementor-element-83eab4a e-con-full e-flex e-con e-child\" data-id=\"83eab4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2da06e3 elementor-widget elementor-widget-text-editor\" data-id=\"2da06e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If a financed policy is cancelled mid-term, any refund of unearned premium from the insurer is generally used first to offset your outstanding balance with Phoenix Capital, with any remainder settled according to your agreement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2446\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2446\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Why would I use IPF instead of paying my premium in one go? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2446\" class=\"elementor-element elementor-element-d273826 e-flex e-con-boxed e-con e-child\" data-id=\"d273826\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2446\" class=\"elementor-element elementor-element-c26b70d e-con-full e-flex e-con e-child\" data-id=\"c26b70d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c78b902 elementor-widget elementor-widget-text-editor\" data-id=\"c78b902\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>IPF frees up your cash flow \u2014 instead of tying up a large lump sum once a year, you spread the cost, keep your cover active continuously, and use your available cash for other business or personal needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2447\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2447\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I apply? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2447\" class=\"elementor-element elementor-element-27052b2 e-flex e-con-boxed e-con e-child\" data-id=\"27052b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2447\" class=\"elementor-element elementor-element-8d96e4e e-con-full e-flex e-con e-child\" data-id=\"8d96e4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b71a2a4 elementor-widget elementor-widget-text-editor\" data-id=\"b71a2a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get a quotation from your insurer or broker, submit it to Phoenix Capital along with your ID\/KRA PIN, sign the IPF agreement, pay the first installment, and we settle the full premium with your insurer directly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Phoenix Capital \u2013 We Enable, You Prosper Premium Insurance, Made Easier to Afford IPF is a loan meant to ease the pressure of paying your insurance premiums. This product helps finance all types of insurance namely but not limited to Motor Comprehensive insurance, Health insurance, Home insurance, all Business insurances,Professional indemnity to Travel insurance. \u00a0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-3323","page","type-page","status-publish","hentry"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"phoenix","author_link":"https:\/\/phoenixcapitalkenya.co.ke\/?author=1"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"Phoenix Capital \u2013 We Enable, You Prosper Premium Insurance, Made Easier to Afford IPF is a loan meant to ease the pressure of paying your insurance premiums. This product helps finance all types of insurance namely but not limited to Motor Comprehensive insurance, Health insurance, Home insurance, all Business insurances,Professional indemnity to Travel insurance. \u00a0&hellip;","_links":{"self":[{"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=\/wp\/v2\/pages\/3323","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3323"}],"version-history":[{"count":45,"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=\/wp\/v2\/pages\/3323\/revisions"}],"predecessor-version":[{"id":5056,"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=\/wp\/v2\/pages\/3323\/revisions\/5056"}],"wp:attachment":[{"href":"https:\/\/phoenixcapitalkenya.co.ke\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}