1
Death Benefit
Death benefit from natural or accidental causes payable to nominated beneficiaries while the member is in service.
Solutions > Staff Group Life Insurance
Life Cover That Supports Your Employees' Families
Show your people you care, even in the worst of times. Group Life Assurance is a yearly renewable contract taken by an organisation on behalf of its members, providing death benefits to the dependants of members who die while in service. Th
Worldwide 24-Hour Cover
Yearly renewable group death benefit
48-Hour Last Expense
Fast funeral claims settlement
What is APA Group Life Assurance?
Show your people you care, even in the worst of times. Group Life Assurance is a yearly renewable contract taken by an organisation on behalf of its members, providing death benefits to the dependants of members who die while in service. The aim is to alleviate financial distress for an employee's dependants on their demise — with worldwide, 24-hour cover and last-expense claims settled within 48 hours.
Highlights
- Yearly renewable contract providing death benefits to dependants of members who die while in service.
- Benefit as a flat sum assured or multiple of annual salary — worldwide, 24-hour cover.
- Optional riders: Critical Illness, Permanent Total Disability and Last Expense (extendable to dependants).
- Last-expense claims settled within 48 hours; group life claims within four days.
What is Covered and Not Covered Under Staff Group Life Insurance?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Worldwide 24-Hour Cover
Cover applies worldwide on a 24-hour basis under the yearly renewable group contract.
3
Flat or Salary-Based Benefit
Benefit as a flat sum assured for all members in a category, or as a multiple of annual salary.
4
Critical Illness Rider
Optional rider paying a percentage of sum assured on first diagnosis of a defined critical illness.
5
Last Expense Rider
Funeral/last expense benefit payable within 48 hours — extendable to dependants.
6
Permanent Total Disability
Optional PTD rider paying a lump sum on permanent total disability of a covered member.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Employer or organisation groups; members generally aged 18 to 65, in service.
Documents
Group proposal form (signed and stamped), KRA PIN and member census with salaries/sums assured.
Medical Exam
Required only for sums assured above the free cover limit.
Rating Basis
Group size, age profile, salaries/sums assured, occupation and benefit design.
How to Buy APA Group Life Assurance?
1
Complete the group proposal form with member census and chosen benefit design.
2
Select flat sum assured or salary multiple and any optional riders.
3
Apply through an APA Life agent, broker or corporate desk (corporatebd@apalife.co.ke or 0709 912 777).
4
Receive your group policy protecting your employees' families from commencement.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
A yearly renewable cover taken by an organisation that pays a death benefit to the dependants of members who die while in service.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
Your Health, Our Priority
+
Motor Insurance
Your Family Awaits, Drive Safely
+
Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
