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Professional planning retirement mosaic illustrating APA Individual Pension Plan

Solutions > Pension > Plan For Retirement > Individual Pension

Save Today for a Secure, Comfortable Retirement

Guaranteed Fund Protection

Contributions and earnings protected against impairment — risk carried by APA Life

4% Minimum Return

Minimum guaranteed return with additional bonuses declared above the guarantee

Flexible Contributions

Save from KES 1,000 per month with tax relief within prevailing limits

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What is APA Individual Pension?

The APA Life Individual Retirement Plan is a retirement savings arrangement for individuals — including the self-employed, those whose employers have no formal scheme, and those wanting to top up existing cover.

Contributions are invested in the APA Guaranteed Fund, which guarantees members' contributions and accumulated earnings against impairment and offers a minimum guaranteed return of 4%, with additional returns declared above the guarantee. The investment risk is transferred to APA Life.

Highlights

  • Guaranteed protection of contributions and accumulated earnings against impairment.
  • Minimum 4% guaranteed return — APA has averaged around 10% net p.a. over the last 10 years (not guaranteed).
  • The power of compounding: e.g. KES 1,000/month for 35 years grows to ~KES 3.58m at 10%.
  • Quarterly investment reports, annual benefit statements and self-service portal access.
  • Tax relief on contributions within prevailing limits; benefits accessed per scheme rules and the Retirement Benefits Act.
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What is Covered and Not Covered Under APA Individual Pension?

The APA Individual Retirement Plan combines guaranteed fund protection with flexible contributions and competitive returns. Toggle between the categories below to explore your benefits and conditions.

1

APA Guaranteed Fund

Contributions invested in the APA Guaranteed Fund with capital and earnings protected against impairment.

2

Minimum Guaranteed Return

Minimum guaranteed return of 4% per annum, with additional returns declared above the guarantee.

3

Flexible Contributions

Contribute flexibly from a recommended minimum of KES 1,000 per month.

4

Tax-Efficient Savings

Contributions attract tax relief within prevailing statutory limits.

5

Member Benefit Access

Access to 100% of member benefits per scheme rules and the Retirement Benefits Act.

6

Reporting & Self-Service

Quarterly investment reports, annual benefit statements and self-service portal access.

Managed by APA Life Assurance

Registered and regulated by the Retirement Benefits Authority (RBA) and Kenya Revenue Authority (KRA). Start building your retirement nest-egg today.

pensions@apalife.co.ke

corporatebd@apalife.co.ke

Call: 0709 912 777

Contact APA Life

Eligibility & Documentation for APA Individual Pension

Eligibility Criteria
Specifications
Who Can Join
Self-employed persons, employees without a formal employer scheme, or anyone topping up retirement cover
Minimum Contribution
Recommended from KES 1,000 per month (flexible)
Fund
APA Guaranteed Fund — registered and regulated by the RBA and KRA
Benefit Access
Per scheme rules; 100% of member contributions accessible (subject to tax)
Documentation
Application form, National ID/passport and KRA PIN certificate

How to Join APA Individual Pension?

1

Contact APA Life or visit any APA office to discuss your retirement savings goals.

2

Complete the pension application form with your chosen contribution amount and frequency.

3

Attach a copy of your National ID/passport and KRA PIN certificate.

4

Receive confirmation — email pensions@apalife.co.ke or call 0709 912 777 for assistance.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Pension Application Form

PDF · 0.9 MB

Claim Notification Form

PDF · 0.6 MB

Withdrawal Form

PDF · 0.5 MB

Benefit Statement Request

PDF · 0.4 MB

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Frequently Asked Questions

A personal retirement savings plan in which your contributions grow in the APA Guaranteed Fund, with your principal protected and a minimum guaranteed return.

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