Last updated on October 18, 2019

Waiver & Guidelines

We are accepting new members.

Things to look for in preparation for enrollment.

Avoid harambees – join Ukarimu!

  1. There is a one-time membership/enrollment fee
  2. I understand bereavement benefits shall not be paid out until a Bereavement Support Request is filled online and submitted to Ukarimu. I further agree to provide proof of my relationship to a dependent that has died. The proof being defined as: official death certificate (due to urgency, notarized, scanned and e-mailed copies may be acceptable), and an affidavit declaring the truth of the loss of relative outside the United States of America, an ID and a burial permit. I will sign a document confirming receipt of bereavement support check. For a death that occurs outside the United States of America, these documents shall be provided immediately before a check is issued.
  3. I agree to provide real and legal names and dates of birth for all dependents to the best of my knowledge – as they appear in a government issued document. Any discrepancies may result in bereavement benefit being denied. Any dependent that has no date of birth provided shall not be covered.
  4. I understand that dependents are limited to legally married spouse, children, siblings by birth, and parents by blood. Legally adopted children with proper documentation shall be covered. I further acknowledge that half siblings shall not be covered.
  5. I understand that step parents, step brothers, step sisters and grandparents shall not be covered by Ukarimu. However, step-parents may be covered under Parents Only Plan (see 9 (vi) below)
  6. I acknowledge that in the event a dead person is claimed by myself and any of my brothers or sisters who are members of Ukarimu, Ukarimu shall issue only one payment (benefit amount) to cover that one death (one event). The members who jointly have that claim shall advise the Management to whom among them shall receive the benefit. Otherwise such benefit shall be split equally amongst such members. For example, if you and your brother are members and have each of you covered your mother, then Ukarimu shall either make one payment of $5,000 which may be payable through issuance of one check after consultation with both of you or the check may be split into two ($2,500 each) payable to both of you.
  7. I understand that Ukarimu Management will at its discretion verify any reported death. I agree to submit all requested documents, including but not limited to death certificate, burial permit, and copy of Identity Card (ID) before and/or after the funds have been disbursed depending on the request. The information in the government issued document must match with the details provided to Ukarimu during registration; including and not limited to date of birth, names, etc. A death that occurs in Kenya, you have up to 90 days to provide the death certificate while the burial permit and copy of ID shall be provided within 5 days of reporting of the said death.
  8. I understand and acknowledge that unless otherwise stated the benefits shall accrue not earlier than 180 days (6 months) from the date of approval of your membership and payment of your both one-time enrollment fee and first month’s subscription payment.
  9. Currently, Ukarimu is offering six levels of Bereavement Support Benefits:
    • GENERAL BENEFIT PLANS (Member must be under 68 years old)

      Level 1: $8,000 - there is a minimum monthly membership fee as indicated here below:
      • One time Membership/Enrollment fee $459
      • If covering 6 or fewer people - $100/month
      • More than 6, you will pay an extra $10/person/month up to 13 people including the member.
      • The 14th and 15th dependents, you shall pay an extra $20/person/month. Ukarimu shall only cover up to 15 people per member.
      • You may choose to pay per month/quarterly/semi-annual/or annually.
      • Your payments start immediately following approval of your membership.
      • All dependents at 74 years of age or older shall accrue an extra $10/month
      • One death benefit per year (12 months)
      Level 2: $6,000 - there is a minimum monthly membership fee as indicated here below:
      • One time Membership/Enrollment fee $319
      • If covering 6 or fewer people - $75/month
      • More than 6, you will pay an extra $8/person/month up to 13 people including the member.
      • The 14th and 15th dependents, you shall pay an extra $15/person/month. Ukarimu shall only cover up to 15 people per member.
      • You may choose to pay per month/quarterly/semi-annual/or annually.
      • Your payments start immediately following approval of your membership.
      • All dependents at 74 years of age or older shall accrue an extra $10/month
      • One death benefit per year (12 months)
    • Level 3: $5,000 – there is a minimum monthly membership fee as indicated here below:
      • One time Membership/Enrollment fee $259
      • If covering 6 or fewer people - $65/month
      • More than 6, you will pay an extra $7/person/month up to 13 people including the member.
      • The 14th and 15th dependents, you shall pay an extra $15/person/month. Ukarimu shall only cover up to 15 people per member.
      • You may choose to pay per month/quarterly/semi-annual/or annually.
      • Your payments start immediately following approval of your membership.
      • All dependents at 74 years of age or older shall accrue an extra $10/month.
      • One death benefit per year (12 months).
    • Level 4: $3,000 – there is a minimum monthly membership fee as indicated here below:
      • One time Membership/Enrollment fee $99
      • If covering 6 or fewer people - $35/month
      • More than 6, you will pay an extra $5/person/month up to 13 people including the member.
      • The 14th and 15th dependents, you shall pay an extra $10/person/month. Ukarimu shall only cover up to 15 people per member.
      • You may choose to pay per month/quarterly/semi-annual/or annually.
      • Your payments start immediately following approval of your membership.
      • All dependents at 74 years of age or older shall accrue an extra $10/month.
      • One death benefit per year (12 months).
    • SENIOR PLANS (Member must be between 68 and 80 years old; dependents under 95 years old)

      Senior Level 1: $5,000 - (maximum 6 people):
      • One-time enrollment fee $259
      • Covers up to 6 people, including member at $75/month
      • You may choose to pay per month/quarterly/semi-annual/or annually.
      • Your payments start immediately following approval of your membership.
      • One death benefit per year (12 months)
    • Senior Level 2: $3,000 - (maximum 6 people)
      • One-time enrollment fee $99
      • Covers up to 6 people, including member at $55/month
      • You may choose to pay per month/quarterly/semi-annual/or annually.
      • Your payments start immediately following approval of your membership.
      • One death benefit per year (12 months)
    • PARENTS ONLY PLAN (Member must be under 75 years old, parents no age limit)

      This plan is geared to serve those of you that have enough insurance cover for your family and are looking to cover parents only.

      Parents Cover - $4,000
      • One-time enrollment fee $199
      • Covers up to 5 people (member plus either two parents and two in-laws or a parent, step-parent and two in-laws) at $60/month
      • You may choose to pay per month/quarterly/semi-annual/or annually.
      • Your payments start immediately following approval of your membership.
      • One death benefit per year (12 months)
  10. I understand and acknowledge that membership to Ukarimu is subject to my continued stay within the country of residence during registration. Should my residence change, I consent that my membership shall only be valid if I continue meeting my obligations to Ukarimu as a bonafide member.
  11. I understand and acknowledge that my continued membership is subject to my performance and compliance per these guidelines. Should my membership be revoked for reasons of non-performance and non-compliance, I consent that there will be no refunds of any kind. If I terminate my membership, there shall be no refunds whatsoever.
  12. I understand and acknowledge that I will pay my monthly membership dues by the 15th of every month. I further acknowledge that if my payment is not received by the 5th of the following month, then my membership shall be terminated immediately. I further acknowledge that, if I am bereaved at this time of nonpayment, Ukarimu shall not make a bereavement support payment to myself or my heirs.
  13. I affirm that it is my understanding that only members of my immediate family are included in my application/enrollment form and are part of this members’ only benefit program.
  14. I agree that it is my sole responsibility to update my membership data with any new members of my family limited to newborn children and spouse in the event of marriage after the initial application submission. Otherwise, once the application and the waiver and guidelines are acknowledged/checked, and duly signed/checked, it shall not be amended whatsoever. Forgetting is not a reason.
  15. I agree that my membership to Ukarimu is non-transferable and/or non- refundable. I further agree and acknowledge that Ukarimu shall only provide Bereavement Support for ONLY one death of a covered dependent per member within a twelve-month period (one year).
  16. Notwithstanding all terms and provisions, I consent that nothing shall be paid to me during the administrative period. Accordingly, unless otherwise stated the benefits shall accrue not earlier than 180 days (6 months) from the date the application is approved and payment is done both the one-time enrollment fee and first month’s subscription fee are paid.
  17. I understand that my dealings with Ukarimu and any agreement with Ukarimu is governed by the laws of the State of California and any claim in respect thereof shall be instituted in Southern California wherein the registered office of Ukarimu is located.
  18. I understand and agree that any disputes with Ukarimu in respect to my membership and bereavement benefits payable to myself including any and all claims by myself or my heirs, assigns or personal/legal representative against Ukarimu shall be subject to mandatory arbitration, notwithstanding the presence or absence of a separate arbitration agreement between Ukarimu and myself. I hereby willingly waive any right I might have to institute a legal claim in Court.
  19. I hereby agree to hold harmless Ukarimu for any acts done in good faith by the management for the benefit of Ukarimu notwithstanding any loss that may accrue to myself as a result of the said acts.
  20. It is my express intent that this Release and Hold Harmless Agreement shall bind my spouse and members of my family if I am alive, and my heirs, assigns and personal representative if I am deceased.
  21. I understand and acknowledge that my membership does not create any partnership, joint venture, agency, or franchisor-franchisee relationship between myself and Ukarimu. My membership is simply for bereavement benefits and other member benefits as stated under the Member Benefits tab.
  22. CANCELLATION POLICY
      UKARIMU reserves the right to cancel any membership for the following reasons:
    • Unpaid dues
    • Inappropriate or illegal conduct, including but not limited to committing or threatening violence or being abusive to Ukarimu officials, employees, or other Ukarimu representatives acting on behalf of Ukarimu.
    • Obtaining membership through fraudulent means, including but not limited to adding deceased relatives for the reason of obtaining bereavement support
    • Failure to submit required documents (death certificate, burial permit, ID number or social security number) on a timely manner
  23. Please review our Terms and Conditions and our Privacy Policy
  24. All transactions are done through this website: https://www.ukarimuusa.com
  25. Changes to this Waiver
    We may change this Waiver from time to time. When we do, we will let you know by appropriate means such as by posting the revised waiver on this page with a new “Last Updated” date. Any changes to this Waiver will become effective when posted unless indicated otherwise.
  26. I further hereby confirm that I have read and understood these stipulations and undertake to abide with such as written.

IN SIGNING/CHECKING THIS WAIVER/RELEASE, YOU ACKNOWLEDGE AND REPRESENT THAT You have read the foregoing, understand it and sign/check it voluntarily as your own free act and deed; no oral representations, statements, or inducements, apart from the foregoing written agreement, have been made; you are at least eighteen (18) years of age and fully competent; and you have voluntarily executed the Release for full, adequate, and complete consideration fully intending to be bound by the same.