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For many Kenyans, retirement has long been viewed as a distant chapter, something to think about “one day,” after meeting the demands of today. But that “one day” often comes sooner than expected.

With rising costs of living, longer lifespans, and shifting family dynamics, how we prepare for retirement has become very important.

Today, retirement planning is no longer just about saving a portion of your income, it’s about securing independence, maintaining dignity, and building a legacy that outlives your working years.

This is the message being championed by Equity Life Assurance Kenya (ELAK), calling on Kenyans to start rethinking retirement as a journey that begins now, not a conversation to postpone for someday.

Changing the Way, we Think About Retirement

According to the Retirement Benefits Authority (RBA), fewer than 20 percent of Kenya’s working population actively saves for retirement. This means millions risk reaching their golden years without the financial freedom, independence and dignity they desired.

Kenya’s pension coverage remains one of the lowest in the region, with millions of informal sector workers left outside formal retirement schemes. As the government and financial sector work to close this gap, private providers are stepping in with inclusive, accessible pension products designed for today’s realities.

That gap is exactly what insurers like Equity Life Assurance are working to close. Founded as part of Equity Group’s broader transformation into an integrated financial services group, the company was established to make retirement and life insurance simple, flexible and meaningful for all Kenyans, from salaried professionals to go getter entrepreneurs and growing SMEs.

In just three years, Equity Life Assurance has made remarkable strides in deepening access to insurance and retirement products. The company is presently the fourth largest underwriter in the country by assets giving testament to its ability to provide simple, flexible and meaningful insurance solutions for all Kenyans. It’s retirement benefit arrangements – the Equity Umbrella Retirement Fund, the Equity Individual Savings and Retirement Plan, and the Equity Income Drawdown Fund – have since inception in 2022 delivered above inflation and above market returns. 

Behind the numbers lies a deeper story of trust and inclusion. Over 6.8million unique customers have already benefited, with more than 17.8 million policies issued across various products. signalling general growing confidence in long-term savings and insurance solutions. 

Why the Time to Act is Now

For too long, retirement planning has been treated as an afterthought but as more Kenyans face shifting family, cultural and economic dynamics that mindset is shifting. Awareness alone, however, is not enough.

The journey to financial independence requires consistent action, even in small steps and that’s where the right partners play a crucial role: turning awareness into access, and intention into impact.

“Every shilling saved today is an investment in tomorrow’s peace of mind,” says Angela Okinda, Managing Director, Equity Life Assurance (Kenya) Limited. “The earlier you begin, the greater the flexibility and freedom you’ll have when it matters most.”

Beyond providing products, the company is focused on financial education and empowerment, encouraging customers to think differently about money, not as a burden, but as a tool for freedom and legacy.

Building a Future of Financial Dignity

In Kenya today, retirement planning should be a national imperative. As the workforce evolves, financial institutions have an important role to play in shaping a culture of saving, investment, and preparedness.

With Kenya’s pension reform and implementation of the NSSF Act No. 45 of 2013 (Tier I and Tier II contributions) now fully implemented, the opportunity to expand pension coverage and deepen financial inclusion has never been greater.

By aligning private innovation with these public reforms, Kenya can accelerate the goal of building a comprehensive and inclusive retirement system that supports all workers, formal and informal alike.

Equity Life Assurance is leading that change, helping individuals, families, and businesses build a future rooted in financial freedom where financial dignity is the norm, not the exception.

Retirement Solutions for Every Stage of Life

Retirement planning and pension saving are not one-size-fits-all. Every Kenyan’s journey requires solutions that meet their distinct needs and goals in their current life stage.

For employers and employees: The Equity Umbrella Retirement Fund provides a professionally managed plan that allows employers to provide retirement benefits and a post retirement medical cover solution to their employees.  In addition, the Fund is approved to handle NSSF Tier II

For the go getter entrepreneur or independent saver: The Equity Individual Savings and Retirement Plan gives you the freedom to build your future on your own terms.

Participation in the Equity Umbrella Fund or Equity Individual Savings and Retirement Plan provide tax incentives. Contributions upto Kshs.30,000 per month are tax exempt; and upon retirement benefits may be accessible, tax free.

For retirees: The Equity Income Drawdown Plan transforms your savings into a steady income stream while keeping your money invested for continued growth.

Across all these solutions lies one principle – financial planning should be simple, inclusive, and empowering.

This World Gin & Tonic Day, Gilbey’s, Kenya’s most loved gin, is inviting everyone to raise a glass to the genuine joys of life, the easy laughter, the real friendships, and the unfiltered moments that truly matter. It is a day to celebrate the beauty found in simplicity.

The brand is anchoring this celebration under its powerful, ongoing “Made for Real Moments” campaign. This initiative is a tribute to the classic gin and tonic a timeless, crisp, and refreshing combination that has united people for generations. The G&T, much like true connection, does not need to be complicated; it just needs to be authentic and easy to enjoy.

“World Gin & Tonic Day is fundamentally about celebrating authenticity, the Gin & Tonic is a drink that effortlessly fits every occasion, whether it is a quiet, intimate catch-up with a friend or a spontaneous, weekend celebration. At Gilbey’s, we champion those genuine, unfiltered moments that bring people closer together. This commitment to real connection was perfectly embodied at our recent Gilbey’s Hangout, where we treated media and our key influencers to a fun-filled afternoon of games, delicious bitings, and perfectly crafted Gilbey’s cocktails. The event was a testament to the fact that the best moments are the most authentic ones.” says Lilian Mbugua, Brand Manager for Gilbey’s.

To mark this global day, Gilbey’s is taking the celebration digital. The brand will be spotlighting simple, easy-to-make Gin and Tonic serves across all its platforms, proving that you don’t need a fancy bar to make a perfect drink. Consumers are strongly encouraged to join the conversation and share their own #MadeForRealMoments with friends.

In addition, Gilbey’s is partnering with popular influencers and skilled mixologists who will share their favourite, personal Gilbey’s G&T twists. This showcase is designed to inspire consumers by demonstrating just how versatile and accessible the drink can be, encouraging them to experiment with garnishes and mixers at home and of course enjoyed responsibly.

With its signature crisp citrus and distinct juniper notes, Gilbey’s remains the trusted favorite for consumers who seek a perfect balance of quality, affordability, and taste. The brand continues its role as the gin for real people and real experiences, a spirit that celebrates the enduring value of connection in every single sip.

Cabinet Secretary for Tourism and Wildlife Rebecca Miano has showered praise on Kitui County, describing it as one of Kenya’s most promising yet under-explored tourism frontiers.

She urged Kenyans to look beyond the traditional safari circuit and discover the region’s natural beauty, adventure trails, and rich cultural heritage.

Miano called Kitui “a hidden gem waiting to be fully discovered,” saying the county’s array of scenic and spiritual sites positions it as a rising star in domestic tourism.

“Kitui County is a hidden gem with untapped tourism potential,” said Miano. “Among its many attractions is the magnificent Nzambani Rock — a natural wonder that not only captivates visitors with its beauty but also fascinates them with its rich folklore.”

The Nzambani Rock, believed to be the tallest rock outcrop in Kenya, offers breathtaking panoramic views of the countryside. According to local legend, anyone who circles the rock seven times will experience a miraculous change of gender — a tale that has intrigued visitors for generations.

Miano said such unique cultural stories, coupled with Kitui’s ecological diversity, make the county a perfect destination for cultural, eco-, and adventure tourism. She added that the Ministry of Tourism and Wildlife is partnering with the Kitui County Government to improve infrastructure, enhance accessibility, and promote local attractions to stimulate the economy and empower communities.

“Our goal is to spotlight counties like Kitui that hold immense potential beyond the traditional safari destinations,” Miano noted. “By showcasing our local heritage, we not only preserve culture but also create jobs and transform lives through sustainable tourism.”

Beyond the famed Nzambani Rock, Kitui boasts a wide array of attractions that blend spirituality, adventure, and conservation. They include the Kalundu Dam Eco Park, a lush riverine retreat ideal for picnics and birdwatching; the Ya Kavia Rock Art and Shrine, once a center for community rituals; and the Mutomo Hill Plant Sanctuary and Reptile Park, home to rare indigenous species and reptiles.

Adventurers can explore Gai/Muruu (Tei wa Yesu) Missionary Centre for scenic hikes or experience Ikoo Valley, with its sandy riverbeds perfect for photography and future eco-tourism ventures such as zip-lining and cultural festivals.

Faith-based tourism also thrives in Kitui through revered sites like Museve Shrine and Ngomeni Rock Catchment Shrine, while history enthusiasts can visit the Ikutha AIC Church, established in the 1880s and still standing in its original form.

Nature lovers can scale Kiongwe Hills for spectacular views or visit Mwingi Game Reserve, South Kitui Game Reserve, and the Kitui side of Tsavo East National Park, where wildlife roams freely in untamed landscapes.

Miano urged Kenyans to embrace domestic tourism, calling it an act of patriotism and a way to celebrate the country’s heritage.

“True patriotism means exploring and appreciating what our land has to offer,” she said. “Kitui’s magic lies not just in its scenery but in its stories and its people.