APA Insurance
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Solutions > Save & Invest > Invest > Wealth Builder

Build Wealth and Stay Protected — in One Plan

Wealth & Protection Combined

Unit-linked growth with life and critical-illness cover

From KES 5,000 Monthly

Flexible premium frequency over a 5-year payment term

Early Access Options

Policy loans and partial withdrawals after six months

Underwritten by APA Life

Part of the Apollo Group, regulated by the IRA

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What is APA WealthBuilder?

WealthBuilder is a unit-linked investment policy with term assurance, designed to deliver financial growth alongside life and critical-illness protection. It offers a structured savings plan with flexible payout options and protection against unforeseen events.

Ideal for individuals seeking both wealth accumulation and security — with maturity paying 100% of your accumulated fund value and built-in death and critical-illness benefits.

Highlights

  • Investment growth via a unit-linked fund with interest declared annually and accruing daily.
  • Life cover and critical-illness benefit alongside your savings — protection and growth in one plan.
  • Policy loans up to 70% and partial withdrawals up to 90% of fund value after six months.
  • Minimum premiums from KES 5,000 monthly (or KES 250,000 single) over a 5-year premium term.
  • Tax relief on eligible premiums — subject to applicable regulations.
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What is Covered and Not Covered Under APA WealthBuilder?

WealthBuilder combines unit-linked savings with life and critical-illness protection. Toggle between the categories below to explore your cover, benefits and conditions.

1

Unit-Linked Investment Growth

Your premiums are invested in a unit-linked fund with interest declared annually and accruing daily.

2

Life Cover (Death Benefit)

Pays 100% of accumulated fund value plus 100% of the death sum assured (50% of single premium or 2.5× annualised premium, max KES 5m).

3

Critical-Illness Benefit

Pays 100% of fund value plus the critical-illness sum assured (1.5× death benefit, max KES 5m) on diagnosis of a covered condition.

4

Flexible Premium Frequency

Pay monthly, quarterly, semi-annually, annually or as a single premium over a 5-year payment term.

5

Policy Loans

Borrow up to 70% of your fund value after six months, subject to policy terms.

6

Partial Withdrawals

Withdraw up to 90% of your fund value after six months when you need early access to savings.

Underwritten by APA Life Assurance

Part of the Apollo Group and regulated by the Insurance Regulatory Authority (IRA). Contact us to start your WealthBuilder plan.

insurance@apalife.co.ke

Call: 0709 912 777

Contact APA Life

Eligibility & Documentation for APA WealthBuilder

Eligibility Criteria
Specifications
Entry Age
Individuals aged 18 to 80 years
Policy Term
5 to 20 years
Premium Payment Term
5 years
Maximum Coverage Age
90 years for death; 75 years for critical illness
Documentation
Application form, National ID/passport, KRA PIN and premium payment

How to Buy APA WealthBuilder?

1

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

2

Complete the life application form with your KYC documents and chosen premium.

3

Undergo financial or medical underwriting where applicable thresholds apply.

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 unit-linked investment policy with term assurance that combines wealth accumulation with life and critical-illness protection.

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