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Unit-Linked Investment Growth
Your premiums are invested in a unit-linked fund with interest declared annually and accruing daily.
Solutions > Wealth Builder (Investment Plan)
Build Wealth and Stay Protected — in One Plan
Build wealth and stay protected in one plan. APA WealthBuilder is a unit-linked investment policy with life and critical-illness cover — from KES 5,000 monthly.
Wealth & Protection Combined
Unit-linked growth with life and critical-illness cover
From KES 5,000 Monthly
Flexible premium frequency over a 5-year payment term
Early Access Options
Policy loans and partial withdrawals after six months
What is Build Wealth and Stay Protected — in One Plan?
WealthBuilder is a unit-linked investment policy with term assurance, designed to deliver financial growth alongside life and critical-illness protection. It offers a structured savings plan with flexible payout options and protection against unforeseen events. Ideal for individuals seeking both wealth accumulation and security — with maturity paying 100% of your accumulated fund value and built-in death and critical-illness benefits.
Highlights
- Investment growth via a unit-linked fund with interest declared annually and accruing daily.
- Life cover and critical-illness benefit alongside your savings — protection and growth in one plan.
- Policy loans up to 70% and partial withdrawals up to 90% of fund value after six months.
- Minimum premiums from KES 5,000 monthly (or KES 250,000 single) over a 5-year premium term.
- Tax relief on eligible premiums — subject to applicable regulations.
What is Covered and Not Covered Under Wealth Builder (Investment Plan)?
WealthBuilder combines unit-linked savings with life and critical-illness protection. Toggle between the categories below to explore your cover, benefits and conditions.
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Life Cover (Death Benefit)
Pays 100% of accumulated fund value plus 100% of the death sum assured (50% of single premium or 2.5× annualised premium, max KES 5m).
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Critical-Illness Benefit
Pays 100% of fund value plus the critical-illness sum assured (1.5× death benefit, max KES 5m) on diagnosis of a covered condition.
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Flexible Premium Frequency
Pay monthly, quarterly, semi-annually, annually or as a single premium over a 5-year payment term.
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Policy Loans
Borrow up to 70% of your fund value after six months, subject to policy terms.
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Partial Withdrawals
Withdraw up to 90% of your fund value after six months when you need early access to savings.
Eligibility & Documentation
Eligibility Criteria
Specifications
Entry Age
Individuals aged 18 to 80 years
Policy Term
5 to 20 years
Premium Payment Term
5 years
Maximum Coverage Age
90 years for death; 75 years for critical illness
Documentation
Application form, National ID/passport, KRA PIN and premium payment
How to Buy the Build Wealth and Stay Protected — in One Plan Plan?
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Contact an APA Life agent, broker or visit any APA office to discuss your goals.
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Complete the life application form with your KYC documents and chosen premium.
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Undergo financial or medical underwriting where applicable thresholds apply.
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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
A unit-linked investment policy with term assurance that combines wealth accumulation with life and critical-illness protection.
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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?
+
Health Insurance
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Motor Insurance
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Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
