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Guaranteed Death Benefit
Pays 100% of the sum assured as a lump sum to your beneficiaries upon death, guaranteeing an inheritance.
Solutions > Whole Life
Lifelong Protection and a Guaranteed Inheritance for Your Loved Ones
The Whole Life plan is a protection-focused life cover that guarantees a lump-sum inheritance to your beneficiaries upon death. It is designed to provide life cover in case of unforeseen death and can also be used as security on a loan. The
Guaranteed Inheritance
100% of the sum assured for your beneficiaries
Pay 5-15 Years, Covered for Life
Limited premium term with a joint-life option
What is the Whole Life Plan?
The Whole Life plan is a protection-focused life cover that guarantees a lump-sum inheritance to your beneficiaries upon death. It is designed to provide life cover in case of unforeseen death and can also be used as security on a loan. The product has a joint-life option payable on first death. Premiums are paid for a limited period of 5 to 15 years, while your cover continues for life.
Highlights
- Guaranteed lump-sum inheritance of 100% of the sum assured on death.
- Whole-of-life protection with a limited premium-payment term of 5 to 15 years.
- Joint-life option payable on the first death of the two lives covered.
- Optional riders and 15% tax relief on premiums (policies with a term above 10 years).
What is Covered and Not Covered Under Whole Life?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Whole-of-Life Protection
Protection-focused cover that safeguards your loved ones in case of unforeseen death for life.
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Joint-Life Option
An optional joint-life arrangement that pays out on the first death of the two lives assured.
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Limited Premium Term
Pay premiums for a defined period of just 5 to 15 years while cover continues for life.
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Loan Security
The plan can be assigned as security on a loan, giving lenders comfort while you protect your family.
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Guaranteed Inheritance
Leaves a guaranteed lump-sum inheritance so your legacy passes on to the next generation.
Eligibility & Documentation
Eligibility Criteria
Specifications
Entry Age
Persons aged 18 to 65 years.
Premium Term
Premiums paid for a limited period of 5 to 15 years.
Cover Duration
Whole-of-life protection continues after premiums are fully paid.
Medical Exam
Required for higher sums assured per APA Life underwriting guidelines.
How to Buy the Whole Life Plan?
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Complete the Individual Life Application Form and choose your sum assured, premium term and options.
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Attach a copy of your National ID/passport and KRA PIN, and any required medical examination results.
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Pay your premium and, where a joint-life cover is chosen, provide details for both lives assured.
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APA Life issues your policy document, guaranteeing a lasting inheritance for your beneficiaries.
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
The Whole Life plan is a protection-focused life cover that guarantees a lump-sum benefit (100% of the sum assured) to your beneficiaries upon death, providing a lasting inheritance.
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“The easiest way to manage my cover.”
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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
