16/09/2025
There’s a Difference Between Next of Kin and Beneficiary Stop Mixing Them Up
A lot of Kenyans think that once you put someone’s name down as your Next of Kin, that person automatically becomes the heir to everything you own. Unfortunately, that’s a very costly mistake. Let’s break it down clearly:
Who is a Next of Kin?
A next of kin is simply the person you nominate to be contacted in case of emergency, death, or when official matters arise.
Banks, hospitals, schools, employers, or government agencies usually request it for record purposes.
The next of kin can help provide information, claim documents, or liaise with authorities but being next of kin doesn’t make them the owner of your money or property.
Example: If you collapse at work, your employer will call your next of kin, not your lawyer.
� Who is a Beneficiary?
A beneficiary is someone you deliberately name in a will, insurance policy, trust deed, or pension form to receive your money, assets, or benefits after you’re gone.
The law recognizes a beneficiary as someone with a legal right to inherit or receive specific property.
Beneficiaries are protected under succession laws, unlike next of kin.
Example: If you write a will and state that your daughter should inherit your house, she is a beneficiary even if your wife is listed as your next of kin at the bank.
� The Big Difference:
Next of Kin = Contact Person
Beneficiary = Legal Inheritor