Financial Resilience
Stronger balance-sheet stability and security.
About APA Apollo Group
APA Apollo Group (Apollo Investments Limited) is one of East Africa’s leading insurance and financial services groups, providing integrated solutions across insurance, pensions, investments, and asset management. With operations in Kenya and Uganda and a strategic partnership with Hollard International expanding our footprint across 10 African countries, we protect people, businesses, and communities.
Strategic Alliances
Partnerships Matter
Our alliances with Hollard International and Swiss Re are central to our long-term growth and capabilities.
Underwriting Capacity
Power to absorb complex, high-value risks.
Technical Expertise
Global actuarial and underwriting specialists.
Digital Innovation
Fast-tracked product and technology advancement.
Market Confidence
A sustained, long-term regional growth trajectory.
The Portfolio
Our Subsidiaries
Apollo Investments Limited comprises five major subsidiaries delivering risk and investment solutions.
05Group
Companies
Companies
01General Insurance
APA Insurance Kenya & Uganda
General Insurance
02Life & Health Solutions
APA Life Assurance
Life & Health Solutions
03Inclusive Cover
APA Microinsurance
Inclusive Cover
04Asset Management
Apollo Asset Management
Asset Management
05Property Investment
Gordon Court
Property Investment
Brand Essence
BrandEssence
🚀
🤝
👁️
🔷
Our Mission
We put smiles on the faces of our stakeholders.
Our Core Values
- We are Leaders
- We are Trusted
- We are Agile
- We are Diverse
Our Vision
We are the region's most respected group, creating and protecting wealth.
Our Brand Promise
APAInsuring Happiness
Apollo AssetInvesting in Happiness
🚀
Our Mission
We put smiles on the faces of our stakeholders.
🔷
Our Core Values
- We are Leaders
- We are Trusted
- We are Agile
- We are Diverse
👁️
Our Vision
We are the region's most respected group, creating and protecting wealth.
Our Brand Promise
APAInsuring Happiness
Apollo AssetInvesting in Happiness
Group Structure
Kenmac
Swiss Re
Hollard.
Apollo Investments(Holding Company)
100%
APA Insurance[General Insurance]
APA Insurance (UG)[General & Health]
APA Life Assurance[Life Insurance & Pension]
APA Microinsurance[General • Life • Health]
Apollo Asset Management[Asset & Wealth Management]
Gordon Court[Property Management]
Shareholders
Kenmac
Swiss Re
Hollard.
Apollo Investments(Holding Company)
100%
Subsidiaries
APA Insurance[General Insurance]
APA Insurance (UG)[General & Health]
APA Life Assurance[Life Insurance & Pension]
APA Microinsurance[General • Life • Health]
Apollo Asset Management[Asset & Wealth Management]
Gordon Court[Property Management]
Group Companies' Profile
General Insurance
APA Insurance Kenya
The flagship company, APA Insurance was formed after the merger of the general business of Apollo Insurance Company and Pan Africa. As one of the largest insurance companies in Kenya, our purpose is to insure your happiness as we commit to delivering our brand promise to all our stakeholders.
We are obsessed with our customers, creating opportunities for them to make their possibilities real and supporting them every step of the way.
APA Insurance underwrites general insurance risks such as motor, liability, agriculture, etc. We also underwrite health insurance both local and international.
Meet the People
Daniel Ndonye
Chairman, Apollo Investments
View Bio
Ashok Shah
Director
View Bio
Aida Kimemia
Director
View BioPJ Shah
Director
View Bio
Risper Ohaga
Director
View Bio
Piyush Shah
Director
View Bio
S M Shah
Director
View BioEva Mukasa
Director
View Bio
Michal Shlebny
Director
View Bio
Pravin Kalpage
Director
View BioDaniel Ndonye
Chairman, Apollo Investments
View BioAshok Shah
Director
View BioAida Kimemia
Director
View BioPJ Shah
Director
View BioRisper Ohaga
Director
View BioPiyush Shah
Director
View BioS M Shah
Director
View BioEva Mukasa
Director
View BioMichal Shlebny
Director
View BioPravin Kalpage
Director
View BioAwards & Recognition
20+
Industry Awards
6
Group CEO Honours
3
Award Bodies
Top 25
Brands Transforming Lives
Outright Winners
5 TitlesBest Insurance Company — Sustainable CSR
Think Business AwardsBest Insurance Company — Product Distribution & Marketing
Think Business AwardsHighest Growth in Number of Life Policies
AKI AwardsGeneral Insurance Company of the Year
AKI Agents AwardsWinner — APA Insurance
FIRE Awards1st Runners-Up
Life Insurer of the YearFraud Detection & Prevention InitiativeRisk Management AwardMajor Loss Award
2nd Runners-Up
Medical Underwriter of the YearGeneral Insurer of the YearTechnology Application AwardMost Customer Centric Underwriter — LifeConsumer Choice AwardsMost Convenient General Insurance ProviderGeneral Insurance Company of the Year — AKIAgent of the Year — AKILife Insurance Best Innovation — AKIBest Business Mix Volume — AKIGroup Life Best Practice, APA Life — AKI AgentsPeople's Choice, Auto Insurance — ICX
Top 25 Brands Transforming Lives
“APA has been featured as a brand that ‘insures happiness’ by building trust through prompt claims payments and expertise-driven service.”
Group CEO Recognitions
Ashok Shah
Honoring the strategic leadership, pioneering microinsurance contributions, and lifetime achievements of our Group CEO within East Africa and the global insurance ecosystem.
African Insurance CEO of the Year
Named CEO of the Year at the 10th African Insurance Awards, a prestigious continental recognition celebrating excellence in the insurance sector.
First Recipient — Lifetime Achievement
The first person to receive the Lifetime Achievement Award for his long-standing contribution to the insurance industry in Kenya.
European Microfinance Award
APA received the European Microfinance Award for “Strengthening Resilience to Climate Change”, presented in Luxembourg for innovative agricultural insurance.
Meaningful Business 100 Leader
Recognised globally as one of the Meaningful Business 100 (MB100) leaders combining profit with purpose across the world.
Top 25 CEOs Impact in Business
Featured among the Top 25 CEOs making an impact in business in Kenya and one of the most transformative CEOs impacting the economy.
President Award (MBS)
Received the prestigious Moran of the Order of the Burning Spear (MBS) for outstanding national contributions.
Our Journey
APA, Insuring Happiness
1946
•
Pan Africa was founded in Mombasa as 'IndoAfrica' by the Patel Community.
1963
•
IndoAfrica changes its name to Pan Africa, moves to Nairobi, and joins the stock exchange.
1977
•
Shashi Shah is trained by SwissRe, who also provided technical support to Apollo
•
Shashi Shah decide to venture in Insurance and found Apollo Insurance, naming it after Apollo 13
•
The first office was opened in Mombasa and comprised of two rooms with only 5 employees
•
Apollo establishes its first branch in Nairobi, located at Hughes Building 6th floor
•
Apollo starts looking for support to continue growing and expanding its business
•
Shashi Insurance Agents start placing business with Apollo
1980’s
•
Apollo becomes the leading company in Life Insurance with its Brand promise as: "Be Apollosure, Insure with Apollo"
•
Apollo Life business was managed from Mombasa while General Insurance was managed from Nairobi
1982
•
Gordon Court is purchased as a specialist property development company
1984
•
The first business support came from Minet, who helped place more Insurance Businesses with Apollo
1987
•
The Insurance Act of 1984 came into effect, mandating immediate and major changes within the Insurance industry
•
Apollo improves its governance structure, to meet the Act's requirements
1991-92
•
Apollo places more emphasis on General Insurance. Life Insurance became stagnant due to lack of a good distribution strategy
1994
•
Shashi, who had served as CEO until now steps down, with an interim CEO in place
1996
•
Ashok Shah, who had thus far been helping with Marketing and other areas, is appointed as new CEO
2000
•
Pan Africa brought on a new strategic partner and instituted major changes in the board
2002
•
Pan Africa approaches Apollo and starts discussion to consolidate the 2 general insurance businesses
2003
•
APA Insurance Kenya formed after the merger of the General Insurance businesses of Apollo Insurance Company and Pan Africa Insurance
2004
•
APA starts trading, the brand promise 'A New Dimension in Insurance'
•
APA settles enormous amounts for all the discharge vouchers issued by PanAfrica before the merger
2006
•
APA holds its first Power of Alignment retreat and launches a new brand promise titled 'Rewriting the rules of Insurance'
•
For 6 years, APA was the sole provider of HIV cover in health insurance. Others now follow suit...
•
Gordon Court - commences the construction of Apollo Centre which becomes the Group headquarters
2006-07
•
APA launches 2 new products and remains the only insurer to cover old cars and old people up to the age of 75 - 80
2007
•
APA is considered one of the biggest players in insurance in Kenya by the industry
2009
•
APA Insurance (Uganda) commences operations as a specialist General Insurance provider in Uganda
•
All entities move to Apollo Centre, retaining a branch at Hughes Building
2010
•
Pan Africa sells their shares in APA. Leapfrog invests in Apollo insurance
•
AIL set up Uganda and a new life & health system
•
Apollo insurance hives off Insurance business to Apollo Assurance & changes its name to Apollo investments
•
APA innovates again and pilots Micro Insurance and Agriculture insurance
•
Apollo exceeds the 200 employee mark for the first time in its existence
•
Ashok Shah becomes the first recipient of the Lifetime Achievement award at the Think Business Insurance Awards
2013
•
Apollo Life Assurance Ltd rebrands to APA Life Assurance Limited
2014
•
USD 26.5 million claim paid to JKIA in a record time of 6 months. The biggest claim in Kenya is paid in the shortest time possible.
•
Leapfrog sells their 27% shares to SwissRe (who has been APA's reinsurer since 1977)
2017
•
Catherine Karimi, becomes the 1st Female CEO of APA Life Assurance
•
The micro and agri insurance receives a matching grant of $2.5M from MCF to support agricultural businesses
2018
•
APA actively starts looking at digitisation as a key step to position itself amongst the best insurers in the world
•
APA launched the happiness campaign: 'Insuring Happiness'
•
Vinod Bharatan wins the CEO of the year at the Think Business Insurance Awards
2019
•
APA Starts its digital transformation journey
•
APA wins the European microfinance award for strengthening resilience to climate change
2020
•
APA Launches the hAPPiness App
•
Annual Travel Insurance cover is embedded in existing group life and medical policies
•
Catherine Karimi wins the CEO of the Year at the Think Business Insurance Awards
•
APA Insurance emerges the overall winner in 2020 FIRE Awards (Financial Reporting)
2021
•
APA breaks the Shs 10 billion ceiling by registering a Premium income of Shs 10.6 billion
•
Ashok Shah, Group CEO nominated to EY entrepreneur of the year, AABLA Entrepreneur and Philanthropy. Meaning Business 100 for combining profit and purpose to help achieve the UN Global Goals.
2022
•
APA Life wins the Sustainability Provider Award of the Year at the 1st APTAK conference
•
APA Apollo Group became a signatory to the Nairobi Declaration on Sustainable Insurance
•
GCR revises APA Insurance financial strength rating to AA- with a stable outlook from A
•
APA Insurance is featured as top 25 Most Transformative Corporate Brands Impacting Business
2023
•
APA Insurance is featured as top 25 Corporations and Organisations Leading in Social Responsibility
•
Ashok Shah is selected as top 60 Most transformative CEOs Impacting the economy by Business monthly
•
APA Microinsurance Ltd, a 100% subsidiary of Apollo Investments is registered
•
APA is the largest general insurer in the region with Kes 16.7 Bn of insurance revenue
•
Hollard International (SA) sign agreement to acquire up to 20% stake in Apollo Investments
•
Ashok Shah is selected as the top 25 most influential CEO's impacting Business by Business monthly
2024
•
Kenya @ 60: APA Insurance is featured as top 25 Corporations Demonstrating Best Practices in ESG
•
Ashok Shah awarded Moran of the Burning spear - by the President of Kenya
2025
•
Ashok Shah Awards: CEO of the Year - African Insurance Awards
•
Best Business Icon (Male) - The Asian Weekly Achievers Awards (TAWAA)
•
Award for outstanding service and personal contribution to the welfare and progress of Kenyan society - Asian Foundation
1946
•
Pan Africa was founded in Mombasa as 'IndoAfrica' by the Patel Community.
1963
•
IndoAfrica changes its name to Pan Africa, moves to Nairobi, and joins the stock exchange.
1977
•
Shashi Shah is trained by SwissRe, who also provided technical support to Apollo
•
Shashi Shah decide to venture in Insurance and found Apollo Insurance, naming it after Apollo 13
•
The first office was opened in Mombasa and comprised of two rooms with only 5 employees
•
Apollo establishes its first branch in Nairobi, located at Hughes Building 6th floor
•
Apollo starts looking for support to continue growing and expanding its business
•
Shashi Insurance Agents start placing business with Apollo
1980’s
•
Apollo becomes the leading company in Life Insurance with its Brand promise as: "Be Apollosure, Insure with Apollo"
•
Apollo Life business was managed from Mombasa while General Insurance was managed from Nairobi
1982
•
Gordon Court is purchased as a specialist property development company
1984
•
The first business support came from Minet, who helped place more Insurance Businesses with Apollo
1987
•
The Insurance Act of 1984 came into effect, mandating immediate and major changes within the Insurance industry
•
Apollo improves its governance structure, to meet the Act's requirements
1991-92
•
Apollo places more emphasis on General Insurance. Life Insurance became stagnant due to lack of a good distribution strategy
1994
•
Shashi, who had served as CEO until now steps down, with an interim CEO in place
1996
•
Ashok Shah, who had thus far been helping with Marketing and other areas, is appointed as new CEO
2000
•
Pan Africa brought on a new strategic partner and instituted major changes in the board
2002
•
Pan Africa approaches Apollo and starts discussion to consolidate the 2 general insurance businesses
2003
•
APA Insurance Kenya formed after the merger of the General Insurance businesses of Apollo Insurance Company and Pan Africa Insurance
2004
•
APA starts trading, the brand promise 'A New Dimension in Insurance'
•
APA settles enormous amounts for all the discharge vouchers issued by PanAfrica before the merger
2006
•
APA holds its first Power of Alignment retreat and launches a new brand promise titled 'Rewriting the rules of Insurance'
•
For 6 years, APA was the sole provider of HIV cover in health insurance. Others now follow suit...
•
Gordon Court - commences the construction of Apollo Centre which becomes the Group headquarters
2006-07
•
APA launches 2 new products and remains the only insurer to cover old cars and old people up to the age of 75 - 80
2007
•
APA is considered one of the biggest players in insurance in Kenya by the industry
2009
•
APA Insurance (Uganda) commences operations as a specialist General Insurance provider in Uganda
•
All entities move to Apollo Centre, retaining a branch at Hughes Building
2010
•
Pan Africa sells their shares in APA. Leapfrog invests in Apollo insurance
•
AIL set up Uganda and a new life & health system
•
Apollo insurance hives off Insurance business to Apollo Assurance & changes its name to Apollo investments
•
APA innovates again and pilots Micro Insurance and Agriculture insurance
•
Apollo exceeds the 200 employee mark for the first time in its existence
•
Ashok Shah becomes the first recipient of the Lifetime Achievement award at the Think Business Insurance Awards
2013
•
Apollo Life Assurance Ltd rebrands to APA Life Assurance Limited
2014
•
USD 26.5 million claim paid to JKIA in a record time of 6 months. The biggest claim in Kenya is paid in the shortest time possible.
•
Leapfrog sells their 27% shares to SwissRe (who has been APA's reinsurer since 1977)
2017
•
Catherine Karimi, becomes the 1st Female CEO of APA Life Assurance
•
The micro and agri insurance receives a matching grant of $2.5M from MCF to support agricultural businesses
2018
•
APA actively starts looking at digitisation as a key step to position itself amongst the best insurers in the world
•
APA launched the happiness campaign: 'Insuring Happiness'
•
Vinod Bharatan wins the CEO of the year at the Think Business Insurance Awards
2019
•
APA Starts its digital transformation journey
•
APA wins the European microfinance award for strengthening resilience to climate change
2020
•
APA Launches the hAPPiness App
•
Annual Travel Insurance cover is embedded in existing group life and medical policies
•
Catherine Karimi wins the CEO of the Year at the Think Business Insurance Awards
•
APA Insurance emerges the overall winner in 2020 FIRE Awards (Financial Reporting)
2021
•
APA breaks the Shs 10 billion ceiling by registering a Premium income of Shs 10.6 billion
•
Ashok Shah, Group CEO nominated to EY entrepreneur of the year, AABLA Entrepreneur and Philanthropy. Meaning Business 100 for combining profit and purpose to help achieve the UN Global Goals.
2022
•
APA Life wins the Sustainability Provider Award of the Year at the 1st APTAK conference
•
APA Apollo Group became a signatory to the Nairobi Declaration on Sustainable Insurance
•
GCR revises APA Insurance financial strength rating to AA- with a stable outlook from A
•
APA Insurance is featured as top 25 Most Transformative Corporate Brands Impacting Business
2023
•
APA Insurance is featured as top 25 Corporations and Organisations Leading in Social Responsibility
•
Ashok Shah is selected as top 60 Most transformative CEOs Impacting the economy by Business monthly
•
APA Microinsurance Ltd, a 100% subsidiary of Apollo Investments is registered
•
APA is the largest general insurer in the region with Kes 16.7 Bn of insurance revenue
•
Hollard International (SA) sign agreement to acquire up to 20% stake in Apollo Investments
•
Ashok Shah is selected as the top 25 most influential CEO's impacting Business by Business monthly
2024
•
Kenya @ 60: APA Insurance is featured as top 25 Corporations Demonstrating Best Practices in ESG
•
Ashok Shah awarded Moran of the Burning spear - by the President of Kenya
2025
•
Ashok Shah Awards: CEO of the Year - African Insurance Awards
•
Best Business Icon (Male) - The Asian Weekly Achievers Awards (TAWAA)
•
Award for outstanding service and personal contribution to the welfare and progress of Kenyan society - Asian Foundation
APA, Insuring Happiness
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