APA Insurance
Couple planning future goals mosaic illustrating APA Imarika savings plan

Solutions > Save & Invest > Savings Solutions > Imarika

A Lump Sum for Your Dreams, with Protection Along the Way

Lump Sum at Maturity

100% of sum assured plus bonuses — as a lump sum or reinvested annuity

Life Cover Throughout

100% of sum assured plus accrued bonus if death occurs during the term

Flexible Saving

Build your fund over 5 to 20 years with policy loans after 3 years

Calculate Premium Quote

Benefit Summary (Sum Assured Basis)

At maturity: KES 500,000 + bonuses

Lump sum or annuity at your choice

On death: KES 500,000 + accrued bonus

What is APA Imarika?

Imarika is an endowment savings plan designed to help you build a fund over time while making provision in case of early death. It assures a lump sum at a desired age — which can be reinvested to provide an annuity — and combines decent returns with a life cover.

An excellent alternative to a loan for goals such as travel, a home or a family celebration — 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 and terminal (50%) bonuses.
  • Benefits payable as a lump sum or reinvested as an annuity for lifetime income.
  • Death benefit: 100% of sum assured plus accrued bonus throughout the policy term.
  • Optional riders: TPD, Accidental Death, Waiver of Premium, Medical Reimbursement, Critical Illness and Retrenchment.
  • Policy loans and paid-up/surrender values after 3 full years' premiums; 15% tax relief up to KES 60,000 p.a.
Couple planning future goals with APA Life advisor
Get a QuoteSpeak to an Advisor

What is Covered and Not Covered Under APA Imarika?

APA Imarika combines endowment savings with life cover and flexible payout options. Toggle between the categories below to explore your benefits and conditions.

1

Endowment Savings

Build a disciplined fund for a future goal over a flexible term of 5 to 20 years.

2

Maturity Lump Sum

Receive 100% of sum assured plus simple reversionary and terminal bonuses at maturity.

3

Annuity Option

Take your maturity benefit as a lump sum or reinvest it to provide an annuity for life.

4

Life Cover

100% of sum assured plus accrued bonus payable on death during the term.

5

Flexible Premiums

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

6

Optional Riders

TPD, Accidental Death, Waiver of Premium, Medical Reimbursement, Critical Illness and Retrenchment.

Underwritten by APA Life Assurance

Part of the Apollo Group and regulated by the Insurance Regulatory Authority (IRA). Start building your Imarika savings fund today.

insurance@apalife.co.ke

Call: 0709 912 777

Contact APA Life

Eligibility & Documentation for APA Imarika

Eligibility Criteria
Specifications
Entry Age
Persons 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 Imarika?

1

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

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

Maturity Claim Form

PDF · 0.6 MB

Death Claim Form

PDF · 0.6 MB

Survival Benefit Form

PDF · 0.5 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 endowment savings plan that builds a fund for a future goal, assures a lump sum at a chosen age and includes 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