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Solutions > Insure > Personal > Protect Who You Love > Life Solutions > Term Life Cover

Pure Life Protectionfor the PeopleWho Dependon You

100% Sum Assured on Death

A lump-sum benefit for the people who depend on you

Flexible Term & 15% Tax Relief

Choose 5-20 years with valuable optional riders

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What is Term Life Cover?

Term Assurance is a pure life cover designed to provide a lump-sum benefit on death within the policy term. It can be used as security on a loan, to provide life cover for key persons in a company (so the company is compensated on the death of a key person), or to provide an inheritance for dependants. Premiums are payable for the selected term (capped at 20 years) or until earlier death. The policy term ranges from 5 to 20 years.

Highlights

  • Pays 100% of the sum assured as a lump sum on death within the term.
  • Flexible policy term from 5 to 20 years with a choice of survival benefit.
  • Optional riders: Critical Illness, TPD, Accidental Death, Waiver of Premium and more.
  • 15% insurance tax relief on premiums up to KSh 60,000 per year.
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What is Covered and Not Covered Under Term Life Cover?

Term Life Cover is pure life protection with a flexible term, a choice of survival benefit, and valuable optional riders. Toggle between the categories below to understand the comprehensive scope of your cover.

1

Death Benefit

Pays 100% of the sum assured as a lump sum if the life assured dies within the selected policy term.

2

Flexible Policy Term

Choose a term from 5 to 20 years to match your loan period, business need, or family protection goal.

3

Loan Security

Can be assigned as security on a loan, so the outstanding balance is settled on the death of the borrower.

4

Key Person Protection

Provides cover on key persons in a company so the business is compensated on the death of a key individual.

5

Inheritance Planning

Leaves a lump-sum inheritance for your dependants, giving your loved ones financial security.

6

Survival Benefit Option

Under Option 1, 15% of the premiums paid is refunded if you survive to the end of the term.

Talk to an APA Life Advisor

Find an APA Life agent or office near you to structure the right term cover for your needs.

Eligibility & Documentation for Term Life Cover

Eligibility Criteria
Specifications
Entry Age
Persons aged 18 to 70 years.
Maturity Age
Maximum maturity age of 75 years.
Policy Term
From 5 to 20 years; premiums payable for the term or until earlier death.
Medical Exam
Required if sum assured is above KSh 8 million and age next birthday is 46+.

How to Buy Term Life Cover?

1

Complete the Individual Life Application Form and choose your term, sum assured and survival option.

2

Attach a copy of your National ID/passport and KRA PIN, and any required medical examination results.

3

Pay your premium via M-Pesa, cheque to APA Life Assurance Limited, or salary deduction.

4

APA Life issues your policy document, and you enjoy 15% tax relief on qualifying premiums.

Everything You Need, All in One Place

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

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

Term Assurance is a pure life cover that pays a lump sum (100% of the sum assured) if the life assured dies within the policy term. It can be used as loan security, to protect key persons in a business, or to leave an inheritance.

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