Kampuni ya bima itamfidia mnufaika.

A useful breakdown is:

• Kampuni = company
• ya bima = of insurance / insurance
• ita-m-fidia = it-will-him/her-compensate
• mnufaika = beneficiary

So a very literal gloss is:

• The company of insurance will compensate him/her, the beneficiary.

The natural English translation is:

• The insurance company will compensate the beneficiary.

Swahili often links nouns with a connector that can mean of.

• kampuni ya bima literally = company of insurance
• natural English = insurance company

Here, ya is the connector. It agrees with kampuni, not with bima.

So this is a very normal Swahili way to express the kind of company being talked about.

Bima means insurance.

So:

• kampuni ya bima = insurance company
• bima ya afya = health insurance
• bima ya gari = car insurance

It is a very common noun in everyday Swahili.

Because the subject is kampuni, and the verb has to show agreement with that subject.

The verb can be divided like this:

• i- = subject marker for kampuni in the singular
• -ta- = future tense marker, meaning will
• -m- = object marker, meaning him/her
• -fidia = compensate

So ita- means it will.

Even though kampuni refers to a company, Swahili grammar treats it according to its noun class, and that gives you i-.

itamfidia breaks down as:

• i- = it
• -ta- = will
• -m- = him/her
• -fidia = compensate

So itamfidia means:

• it will compensate him/her
• or more naturally here, it will compensate the beneficiary

This is one of the nice things about Swahili verbs: a lot of meaning can be packed into a single word.

That is a very common learner question.

The -m- inside the verb is an object marker referring to mnufaika. Swahili often marks the object twice:

• once inside the verb
• and again as a full noun after the verb

This can make the object sound more definite, specific, or clear.

So:

• itamfidia mnufaika = it will compensate the beneficiary
  • literally, something like it will compensate him/her, the beneficiary

In many contexts, you may also hear a version without the object marker:

• Kampuni ya bima itafidia mnufaika

But the version with -m- is very natural when the speaker has a specific beneficiary in mind.

Mnufaika means beneficiary or a person who benefits.

It comes from the verb kunufaika, which means to benefit.

So the idea is:

• mnufaika = the person who benefits / beneficiary

It is a noun for a person, and its plural is:

• wanufaika = beneficiaries

For example:

• Mnufaika mmoja = one beneficiary
• Wanufaika wengi = many beneficiaries

It can mean either him or her.

Swahili object markers do not usually show gender the way English pronouns do. So -m- here simply refers to a singular human being in that noun class.

That means:

• itamfidia could mean it will compensate him
• or it will compensate her

The context tells you which person is meant.

Swahili does not normally use articles like English a and the.

So:

• kampuni can mean a company or the company
• mnufaika can mean a beneficiary or the beneficiary

Context tells you which meaning is intended.

In this sentence, English usually translates it as the insurance company and the beneficiary, because the meaning sounds specific. The object marker -m- also helps make mnufaika sound like a known or specific person.

Yes. The basic word order is:

• Subject + Verb + Object

So:

• Kampuni ya bima = subject
• itamfidia = verb
• mnufaika = object

This follows a very common Swahili pattern.

English speakers often expect something similar, so this part is actually fairly straightforward:

• The insurance company
  • will compensate
    • the beneficiary

Swahili can change word order for emphasis in some contexts, but this sentence uses the normal, neutral order.