APA Insurance
Parent and child education mosaic illustrating APA Elimu savings plan

Solutions > Save & Invest > Savings Solutions > Elimu

Secure Your Child's Education, Whatever Happens

Education Fund Building

Disciplined savings for your child's school fees over 5 to 20 years

Protected if You Pass Away

Immediate payout, waived premiums and full maturity benefit still paid

Maturity with Bonuses

100% of sum assured plus reversionary and terminal bonuses at term-end

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What is APA Elimu?

APA Elimu is an education savings plan that helps a parent or guardian build a fund for a child's education needs, while ensuring the required fees are available even in the untimely death of the policyholder during the term.

It offers disciplined, flexible saving with maturity benefits and bonuses, and a built-in life cover with premium waiver on death — policy terms of 5 to 20 years for persons aged 18 to 65, with a maximum maturity age of 70.

Highlights

  • Maturity benefit: 100% of sum assured plus simple reversionary (4%) and terminal (50%) bonuses.
  • On death: 100% of sum assured paid immediately, future premiums waived, and 100% plus bonuses at term-end.
  • Optional riders: TPD, Waiver of Premium, Medical Reimbursement (extendable to child), Critical Illness and Retrenchment.
  • Policy loans and paid-up/surrender values after 3 full years' premiums.
  • 15% insurance relief on premiums up to KES 60,000 per annum, subject to applicable regulations.
Parent and child planning education with APA Life advisor
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What is Covered and Not Covered Under APA Elimu?

APA Elimu combines education savings with life cover and premium waiver on death. Toggle between the categories below to explore your benefits and conditions.

1

Education Savings Fund

Build a disciplined fund for your child's school fees over a term of 5 to 20 years.

2

Maturity Benefit

Receive 100% of sum assured plus simple reversionary and terminal bonuses at the end of the term.

3

Death Benefit

100% of sum assured paid immediately on death of the policyholder during the term.

4

Premium Waiver on Death

Future premiums are waived after death while the full maturity benefit is still paid at term-end.

5

Flexible Premiums

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

6

Optional Riders

TPD, Waiver of Premium, Medical Reimbursement (extendable to the child), Critical Illness and Retrenchment.

Underwritten by APA Life Assurance

Part of the Apollo Group and regulated by the Insurance Regulatory Authority (IRA). Start your child's education savings journey today.

insurance@apalife.co.ke

Call: 0709 912 777

Contact APA Life

Eligibility & Documentation for APA Elimu

Eligibility Criteria
Specifications
Entry Age
Parents or guardians aged 18 to 65 years
Maximum Maturity Age
70 years
Policy Terms
5 to 20 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 Elimu?

1

Contact an APA Life agent, broker or visit any APA office to discuss your child's education 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.

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Life Application Form

PDF · 0.9 MB

Maturity Claim Form

PDF · 0.6 MB

Death Claim Form

PDF · 0.6 MB

Survival Benefit Form

PDF · 0.5 MB

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Frequently Asked Questions

An education savings plan that builds a fund for your child's schooling and guarantees the fees are available even if you die during the term.

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