1
Death Benefit
Pays 100% of the sum assured as a lump sum if the life assured dies within the selected policy term.
Solutions > Term Assurance
Pure Life Protection for the People Who Depend on You
Term Assurance is a pure life cover designed to provide a lump-sum benefit on death within the policy term. It can be used as security on a loan, to provide life cover for key persons in a company (so the company is compensated on the death
100% Sum Assured on Death
A lump-sum benefit for the people who depend on you
Flexible Term & 15% Tax Relief
Choose 5-20 years with valuable optional riders
What is Term Life Cover?
Term Assurance is a pure life cover designed to provide a lump-sum benefit on death within the policy term. It can be used as security on a loan, to provide life cover for key persons in a company (so the company is compensated on the death of a key person), or to provide an inheritance for dependants. Premiums are payable for the selected term (capped at 20 years) or until earlier death. The policy term ranges from 5 to 20 years.
Highlights
- Pays 100% of the sum assured as a lump sum on death within the term.
- Flexible policy term from 5 to 20 years with a choice of survival benefit.
- Optional riders: Critical Illness, TPD, Accidental Death, Waiver of Premium and more.
- 15% insurance tax relief on premiums up to KSh 60,000 per year.
What is Covered and Not Covered Under Term Assurance?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Flexible Policy Term
Choose a term from 5 to 20 years to match your loan period, business need, or family protection goal.
3
Loan Security
Can be assigned as security on a loan, so the outstanding balance is settled on the death of the borrower.
4
Key Person Protection
Provides cover on key persons in a company so the business is compensated on the death of a key individual.
5
Inheritance Planning
Leaves a lump-sum inheritance for your dependants, giving your loved ones financial security.
6
Survival Benefit Option
Under Option 1, 15% of the premiums paid is refunded if you survive to the end of the term.
Eligibility & Documentation
Eligibility Criteria
Specifications
Entry Age
Persons aged 18 to 70 years.
Maturity Age
Maximum maturity age of 75 years.
Policy Term
From 5 to 20 years; premiums payable for the term or until earlier death.
Medical Exam
Required if sum assured is above KSh 8 million and age next birthday is 46+.
How to Buy Term Life Cover?
1
Complete the Individual Life Application Form and choose your term, sum assured and survival option.
2
Attach a copy of your National ID/passport and KRA PIN, and any required medical examination results.
3
Pay your premium via M-Pesa, cheque to APA Life Assurance Limited, or salary deduction.
4
APA Life issues your policy document, and you enjoy 15% tax relief on qualifying premiums.
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
Term Assurance is a pure life cover that pays a lump sum (100% of the sum assured) if the life assured dies within the policy term. It can be used as loan security, to protect key persons in a business, or to leave an inheritance.
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
