Every feature, at a glance

Everything in this list is in this app, or in the free foundation that installs with it.

Pack

Cap. 487 as consolidated — The IRA-published consolidation to Act No. 10 of 2023, with the Insurance Regulations.
Graded sources — Every figure carries its instrument and whether it was read as primary or secondary.
Ships as a template — Nothing is active until the pack is applied to a company.
Checked before it applies — Figures nobody could source are refused unless you record that you accept them.
Review date — A pack applied past its review date says the rates should be checked.
Adopts what is there — Installed over a database that already held the Kenya pack, it keeps the same records.

Insurance Premium Levy — 1% of gross premium, borne by the insurer, s.197A.
Insurance Training Levy — 0.2% of gross premium, borne by the policyholder, s.197B.
Compensation Fund — 0.25% from the insurer and 0.25% from the policyholder, s.179.
Stamp duty — 0.075% of the sum insured on life; KSh 40 on accident, property and residual policies.

Seventeen class ceilings — Motor 10%, fire and special perils 25%, marine cargo 17.5%, engineering and liability 20%.
Life by policy year — Ordinary life at 50% in year one, 20% in year two and 5% from year three to ten.
Across the chain — Aggregate ceilings that hold however many intermediaries share the commission.
Refused in the agency — A commission agreement above its class ceiling is refused once the pack is applied.

The DMVIC scheme — Central database, number allocated at issuance, the authority's PDF, no handwriting.
COMESA Yellow Card — The regional card, bound beside the national certificate.

Fourteen account mappings — An insurer's postings resolved into the Kenyan chart of accounts.
Bound on apply — Applying the pack binds the levies and mappings to the chart already installed.