Why Kenyan wives choose family over husbands for benefits

Married Kenyan women are significantly less likely than men to list their spouses as primary beneficiaries of their benefits, according to data from the Retirement Benefits Authority.

Only 10 per cent of married women name their husbands as primary beneficiaries.

In contrast, 90 per cent nominate their mothers, sisters or children. On the other hand, 95 per cent of men list their wives as beneficiaries.

The findings highlight a striking gender disparity in how couples plan for the distribution of benefits and wealth.

Among the top reasons identified by women is the fear that a husband may remarry and redirect wealth away from their children.

Many also express concern that their children could lose their inheritance if benefits are not safeguarded.

Distrust linked to polygamy or infidelity fears further influences decisions.

In addition, misinformation about beneficiary rules plays a role, with some women uncertain about how benefits are allocated after death.