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Core Protection
Essential Legacy365 coverage and protection against loss, damage, or liability.
Solutions > Legacy 365 (Savings Plan)
Legacy365
The Legacy365 Plan is a versatile, non-linked savings life-assurance product that blends investment growth with term assurance. It enables individuals to accumulate wealth while safeguarding their loved ones, with continuity even in the policyholder's absence.
5% Guaranteed Return
Minimum guaranteed interest with annual declarations — no market volatility
Wealth & Protection
Build fund value with life cover up to 100× your monthly premium
Flexible Access
Policy loans and partial withdrawals available after two years
What is Legacy365?
The Legacy365 Plan is a versatile, non-linked savings life-assurance product that blends investment growth with term assurance. It enables individuals to accumulate wealth while safeguarding their loved ones, with continuity even in the policyholder's absence. Ideal for working professionals, business owners and families planning for retirement, asset building or family protection — a structured yet flexible approach without exposure to market volatility. Entry age 18 to 70, with maximum coverage age 75.
Highlights
- Minimum guaranteed interest rate of 5% per annum, with annual interest declared on your fund.
- Maturity payout of 100% of accumulated fund value — lump sum, annuity or conversion to Whole Life or Endowment.
- Death benefit: 100% of fund value plus 15% of life-cover death benefit within 7 days, balance as annuity over 3–15 years.
- Life cover up to 100× monthly premium (maximum KES 1m); waiver of premium on total permanent disability.
- Policy loan up to 50% of fund value and partial withdrawals up to 20% after the second policy year.
What is Covered and Not Covered Under Legacy 365 (Savings 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
Entry Age
Individuals aged 18 to 70 years
Maximum Coverage Age
75 years
Policy Terms
5 to 20 years
Minimum Premium
KES 1,000 per month (or equivalent by frequency)
Documentation
Application form, National ID/passport, KRA PIN and premium payment
How to Buy the Legacy365 Plan?
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Contact an APA Life agent, broker or visit any APA office to discuss your wealth and protection goals.
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Complete the life application form with your chosen term, premium and frequency.
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Attach your National ID/passport and KRA PIN; complete medical or financial underwriting where required.
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Receive confirmation — call 0709 912 777 or email insurance@apalife.co.ke 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
Legacy365 offers comprehensive protection designed to safeguard you, your family, or your business against financial loss.
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“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
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Motor Insurance
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Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
