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Core Protection
Essential Individual Pension coverage and protection against loss, damage, or liability.
Solutions > Individual Pension Plan
Individual Pension
The APA Life Individual Retirement Plan is a retirement savings arrangement for individuals — including the self-employed, those whose employers have no formal scheme, and those wanting to top up existing cover.
Guaranteed Fund Protection
Contributions and earnings protected against impairment — risk carried by APA Life
4% Minimum Return
Minimum guaranteed return with additional bonuses declared above the guarantee
Flexible Contributions
Save from KES 1,000 per month with tax relief within prevailing limits
What is Individual Pension?
The APA Life Individual Retirement Plan is a retirement savings arrangement for individuals — including the self-employed, those whose employers have no formal scheme, and those wanting to top up existing cover. Contributions are invested in the APA Guaranteed Fund, which guarantees members' contributions and accumulated earnings against impairment and offers a minimum guaranteed return of 4%, with additional returns declared above the guarantee. The investment risk is transferred to APA Life.
Highlights
- Guaranteed protection of contributions and accumulated earnings against impairment.
- Minimum 4% guaranteed return — APA has averaged around 10% net p.a. over the last 10 years (not guaranteed).
- The power of compounding: e.g. KES 1,000/month for 35 years grows to ~KES 3.58m at 10%.
- Quarterly investment reports, annual benefit statements and self-service portal access.
- Tax relief on contributions within prevailing limits; benefits accessed per scheme rules and the Retirement Benefits Act.
What is Covered and Not Covered Under Individual Pension Plan?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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24/7 Support
Round-the-clock emergency assistance and customer helpline.
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Fast Claim Settlement
Streamlined online claims submission and fast payout process.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Can Join
Self-employed persons, employees without a formal employer scheme, or anyone topping up retirement cover
Minimum Contribution
Recommended from KES 1,000 per month (flexible)
Fund
APA Guaranteed Fund — registered and regulated by the RBA and KRA
Benefit Access
Per scheme rules; 100% of member contributions accessible (subject to tax)
Documentation
Application form, National ID/passport and KRA PIN certificate
How to Buy the Individual Pension Plan?
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Contact APA Life or visit any APA office to discuss your retirement savings goals.
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Complete the pension application form with your chosen contribution amount and frequency.
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Attach a copy of your National ID/passport and KRA PIN certificate.
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Receive confirmation — email pensions@apalife.co.ke or call 0709 912 777 for assistance.
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
Individual Pension offers comprehensive protection designed to safeguard you, your family, or your business against financial loss.
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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?
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Health Insurance
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Motor Insurance
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Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
