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Solutions > Save & Invest > Savings Solutions > Legacy365

Grow Your Wealth and Protect Your Legacy

5% Guaranteed Return

Minimum guaranteed interest with annual declarations — no market volatility

Wealth & Protection

Build fund value with life cover up to 100× your monthly premium

Flexible Access

Policy loans and partial withdrawals available after two years

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What is APA Legacy365?

The Legacy365 Plan is a versatile, non-linked savings life-assurance product that blends investment growth with term assurance. It enables individuals to accumulate wealth while safeguarding their loved ones, with continuity even in the policyholder's absence.

Ideal for working professionals, business owners and families planning for retirement, asset building or family protection — a structured yet flexible approach without exposure to market volatility. Entry age 18 to 70, with maximum coverage age 75.

Highlights

  • Minimum guaranteed interest rate of 5% per annum, with annual interest declared on your fund.
  • Maturity payout of 100% of accumulated fund value — lump sum, annuity or conversion to Whole Life or Endowment.
  • Death benefit: 100% of fund value plus 15% of life-cover death benefit within 7 days, balance as annuity over 3–15 years.
  • Life cover up to 100× monthly premium (maximum KES 1m); waiver of premium on total permanent disability.
  • Policy loan up to 50% of fund value and partial withdrawals up to 20% after the second policy year.
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What is Covered and Not Covered Under APA Legacy365?

Legacy365 combines non-linked savings growth with life cover and flexible maturity options. Toggle between the categories below to explore your benefits and conditions.

1

Non-Linked Savings

Accumulate wealth in a disciplined savings plan without exposure to market volatility.

2

Guaranteed Minimum Return

Minimum guaranteed interest rate of 5% per annum with annual interest declared.

3

Maturity Payout

Receive 100% of your accumulated fund value at the end of the policy term.

4

Life Cover

Life cover up to 100× monthly premium, capped at KES 1 million.

5

Death Benefit

100% of fund value plus 15% of the life-cover death benefit within 7 days; balance as annuity over 3–15 years.

6

Optional Riders

Critical Illness, Last Expense and Retrenchment riders available.

Underwritten by APA Life Assurance

Part of the Apollo Group and regulated by the Insurance Regulatory Authority (IRA). Start building your Legacy365 fund today.

insurance@apalife.co.ke

Call: 0709 912 777

Contact APA Life

Eligibility & Documentation for APA Legacy365

Eligibility Criteria
Specifications
Entry Age
Individuals aged 18 to 70 years
Maximum Coverage Age
75 years
Policy Terms
5 to 20 years
Minimum Premium
KES 1,000 per month (or equivalent by frequency)
Documentation
Application form, National ID/passport, KRA PIN and premium payment

How to Buy APA Legacy365?

1

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

2

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

3

Attach your National ID/passport and KRA PIN; complete medical or financial underwriting 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

Withdrawal Form

PDF · 0.5 MB

Policy Loan Form

PDF · 0.5 MB

Claim Form

PDF · 0.6 MB

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Frequently Asked Questions

A non-linked savings plan with life cover that blends investment growth with protection, free of market-volatility exposure.

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