APA Insurance
Family savings mosaic illustrating APA Akiba Halisi anticipated savings plan

Solutions > Save & Invest > Savings Solutions > Akiba Halisi

Save with Access to Your Money Along the Way

Planned Cash Access

Survival payouts at one-third, two-thirds and maturity

Guaranteed Maturity Lump Sum

Build a fund with bonuses at your chosen term

Life Cover Included

Your savings goals stay on track if the unexpected happens

Underwritten by APA Life

Part of the Apollo Group, regulated by the IRA

Calculate Premium Quote

What is APA Akiba Halisi?

Akiba Halisi is an anticipated-endowment savings plan designed to help you build a fund over time while giving access to your money at specified intervals to meet your obligations, and assuring a lump sum at a desired age.

It combines disciplined saving with life cover — policy terms of 6, 9, 12, 15 or 18 years for persons aged 18 to 65, with a maximum maturity age of 70.

Highlights

  • Survival benefits: 15% of sum assured at one-third of term, 25% at two-thirds, 60% at end plus bonuses.
  • Maturity lump sum with simple reversionary and terminal bonuses (50%).
  • Death benefit of 100% of sum assured plus accrued bonus throughout the term.
  • Flexible premium frequency and payment methods with optional rider benefits.
  • Paid-up and surrender values after 3 years; 15% tax relief on eligible premiums.
Couple with financial advisor reviewing APA Akiba Halisi savings plan
Get a QuoteSpeak to an Advisor

What is Covered and Not Covered Under APA Akiba Halisi?

Akiba Halisi combines structured savings with planned cash access and life cover. Toggle between the categories below to explore your benefits and conditions.

1

Staggered Survival Payouts

Access 15% of sum assured at one-third of term, 25% at two-thirds, and 60% plus bonuses at maturity.

2

Maturity Lump Sum

Receive your guaranteed maturity benefit with simple reversionary and terminal bonuses.

3

Life Cover

Death benefit of 100% of sum assured plus accrued bonus throughout the policy term.

4

Flexible Premiums

Choose a premium frequency and payment method that suits your cash flow.

5

Policy Terms

Select a savings horizon of 6, 9, 12, 15 or 18 years.

6

Paid-Up & Surrender Values

Values acquired after at least 3 full years' premiums have been paid.

Underwritten by APA Life Assurance

Part of the Apollo Group and regulated by the Insurance Regulatory Authority (IRA). Start your Akiba Halisi savings journey today.

insurance@apalife.co.ke

Call: 0709 912 777

Contact APA Life

Eligibility & Documentation for APA Akiba Halisi

Eligibility Criteria
Specifications
Entry Age
Persons aged 18 to 64 years
Maximum Maturity Age
70 years
Policy Terms
6, 9, 12, 15 or 18 years
Medical Examination
Required if sum assured above KES 8m or age next birthday 46+
Documentation
Application form, National ID/passport, KRA PIN and premium payment

How to Buy APA Akiba Halisi?

1

Contact an APA Life agent, broker or visit any APA office to discuss your savings goals.

2

Complete the life application form with your chosen term, sum assured and premium frequency.

3

Attach your National ID/passport and KRA PIN; complete medical examination where required.

4

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.

View All Resources

Life Application Form

PDF · 0.9 MB

Survival Benefit Form

PDF · 0.5 MB

Maturity Claim Form

PDF · 0.6 MB

Death Claim Form

PDF · 0.6 MB

Real Stories from Customers Who Trust Our Coverage

Learn why professionals trust our solutions to complete better customer journeys.

View all Stories

Frequently Asked Questions

An anticipated-endowment savings plan that builds a fund while giving you access to portions of it at set milestones, with a guaranteed maturity lump sum and a life cover.

APA, Insuring Happiness

You're just one step away

Get your quote now and protect what matters most.

Get a quote

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.

DOWNLOAD ON THEApp StoreGET IT ONGoogle Play

APA, Insuring Happiness

What would you like to protect?

+

Health Insurance

Your Health, Our Priority

+

Motor Insurance

Drive Safely

+

Life Insurance

Enjoy every moment

“The easiest way to manage my cover.”

— Sarah K., Nairobi