1
Lifelong Guaranteed Income
Regular guaranteed benefit payments for the lifetime of the annuitant in exchange for a single premium.
Solutions > Pension > Enjoy Your Retirement > Annuities
A Guaranteed Income for Life After You Retire
Income for Life
Convert your retirement savings into a guaranteed income you cannot outlive
Flexible Term Guarantees
Choose a guaranteed period of 0 to 20 years with benefits to beneficiaries
Inflation Protection
Optional 0–5% annual escalation and joint-life last-survivor cover
What is APA Guaranteed Flexi Annuity?
An annuity is an insurance contract in which, in exchange for a single premium (purchase price), the insurer pays regular benefit payments. The APA Guaranteed Flexi Annuity provides a guaranteed income for the lifetime of the annuitant, helping retirees consolidate lump-sum payouts and other savings into a dependable income.
It offers lifelong income, term guarantees (0–20 years), optional annual escalation (0–5%) and inflation-conscious pricing, with single-life and joint-life (last survivor) options — protecting against longevity and investment risk in retirement.
Highlights
- Guaranteed regular income for life — monthly, quarterly or annual payment frequency.
- Term guarantees of 0, 5, 10, 15 or 20 years — outstanding benefits pass to beneficiaries on early death.
- Optional annual escalation of 0% to 5% to help counter inflation over your retirement.
- Joint-life last-survivor option continues income to your spouse after your death.
- Annuity income is tax-free regardless of amount; regulated by the Insurance Regulatory Authority (IRA).
What is Covered and Not Covered Under APA Guaranteed Flexi Annuity?
The APA Guaranteed Flexi Annuity converts your retirement savings into guaranteed lifelong income with flexible options. Toggle between the categories below to explore your benefits.
2
Flexible Payment Frequency
Receive your income monthly, quarterly or annually — as you prefer.
3
Term Guarantees
Guaranteed period of 0, 5, 10, 15 or 20 years — outstanding benefits pass to beneficiaries on early death.
4
Annual Escalation
Optional 0% to 5% annual escalation to help counter inflation over your retirement.
5
Single or Joint Life
Single-life annuity or joint-life last-survivor option for spouse continuation.
6
Tax-Free Income
Annuity income is tax-free regardless of amount.
Underwritten by APA Life Assurance
Regulated by the Insurance Regulatory Authority (IRA). Convert your retirement savings into guaranteed lifelong income today.
pensions@apalife.co.ke
corporatebd@apalife.co.ke
Call: 0709 912 777
Eligibility & Documentation for APA Guaranteed Flexi Annuity
Eligibility Criteria
Specifications
Who Can Apply
Retirees and members of the public with accumulated funds seeking regular retirement income
Purchase Price
Single premium from accumulated pension or retirement savings
Payment Frequency
Monthly, quarterly or annually
Guaranteed Period
0, 5, 10, 15 or 20 years
Documentation
Quotation request, application, beneficiary nomination, ID and KRA PIN
How to Buy APA Guaranteed Flexi Annuity?
1
Request an annuity quotation from APA Life with your purchase price and preferred options.
2
Complete the annuity application form and nominate your beneficiaries.
3
Attach copies of ID (main and joint annuitant), beneficiaries' IDs and KRA PIN.
4
Transfer the single premium — payments commence on policy issue. Call 0709 912 777 or email pensions@apalife.co.ke.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Annuity Quotation Request
PDF · 0.5 MB
Annuity Application Form
PDF · 0.9 MB
Beneficiary Nomination Form
PDF · 0.5 MB
Claim Notification 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 insurance contract where, in exchange for a single premium, the insurer pays you a regular guaranteed income — with the APA Flexi Annuity providing income for life.
APA, Insuring Happiness
You're just one step away
Get your quote now and protect what matters most.
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
Your Health, Our Priority
+
Motor Insurance
Drive Safely
+
Life Insurance
Enjoy every moment
“The easiest way to manage my cover.”
— Sarah K., Nairobi
Solutions & Services
Life
Health
General
Microinsurance
Asset
Portals
Customer Portal
Life Client Portal
Life Intermediary Portal
Asset Portal
Travel Portal
Marine Open Cover Portal
Marine Single Transit Portal
Main Branch
Address: Apollo Centre, Ring Road Parklands, Westlands
Telephone: +254 (0) 20 286 2000
Email: info@apainsurance.org
Follow Us:
Insure
Protect Who You Love
Protect What You Love
Protect Your Business
Save & Invest
Pension
Plan For Retirement
Enjoy Your Retirement
Retirement Benefits Plans
Copyright © 2026 APA INSURANCE. All Rights Reserved.
Regulated by IRA
