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Our Patented Products



Every responsible parent would wish to be able to fend for their child every minute of day and night. Every parent knows that this can only remain as a wish. It is not realistic. Every parent accepts that significant others must step into the parental role. The teacher is one; the maid is another; the neighbour is yet another; and then there is Child Guard™.

ChildGuard is a partnership between E-plus Emergency Medical services (Red Cross) and Flying Doctors Society of Africa powered by BKY Insurance Agency Limited to ensure that in the misfortunate event of an emergency, your child gets life saving medical assistance in time.



Lifestyle Lady Insurance policy targeted to the modern lady that covers beyond basics. It covers not only the ladies car in case of an accident but also valuables like cell phones, handbags to shoes. The lady also enjoys subsidized prices in various outlets like Spas, Shopping Malls and Hair Saloons.

The service is not network dependent and, physical registration is done once (in keeping with Know Your Customer requirements), after which all transactions thereafter are mobile phone based.



Pesa na Pesa™ is an innovative mobile phone based borrowing and lending product developed by AVL Capital ltd which offers utility loans to anyone who needs short term  funds to pay for bills. It is an economic stimulant. It is a facility payable within 30 days for amounts up to Kes. 5,000.However, early repayment is encouraged at no charge, and you stand a higher chance of getting a limit increment.

Limit is allocated as per the prescribed criteria to enable utilize to pay for the bills and repayments are sent to AVL CAPITAL Paybill Number 990390 and the account number as the borrowing phone number. We, however, request our customers to always pay using the borrowing phone number to avoid delays on updating their accounts.

  • Dial *483*118# and follow the system prompts by filling your details. Ensure to provide correct information when signing up
  • Read Terms and Conditions
  • Costs for Identification and Credit score at the Credit Reference Bureau charged as a precondition for the limit allocations
  • An automatic limit will be given to you.
  • You will get a unique PIN for your account
Dial *483*118# , enter your PIN, and proceed to pay for bill given in the Pesa na Pesa Menu
This can be debited directly from your Mpesa account by simply dialling *483*118# and select Pay Loan

After clearing your loan, your limit is automatically restored and you can borrow again.

In case you forget your PIN, just dial *483*118# and select option 3 for Resetting your PIN.

Download & Read the Terms & Conditions  



Product Summary

BIMA HIMA is a platform that eases the burden of paying your insurance Premiums. With this facility, paying for large insurance premiums is easy, simple and affordable.


You pay your annual premiums in monthly installments instead of one large lump sum payment

Flexible financing terms of up to 4 months.

  • Easy application process.
  • Premium increase to the Under writers
  • Increased insurance uptake which remains below 3%
  • Competitive interest rates
  • Quick processing time.
  • Pricing-subject to loan amount and tenor
Eligibility Criteria/Target Market

This product is available to both Individuals and Business Clients

Accessing this Product

Dial *483*01#

Subject to

Policy terms & conditions

Download & Read the Terms & Conditions