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Multi-generational family mosaic illustrating the APA Life Whole Life Plan and lasting legacy

Solutions > Insure > Personal > Protect Who You Love > Life Solutions > Whole Life

Lifelong Protectionand a GuaranteedInheritance forYour Loved Ones

Guaranteed Inheritance

100% of the sum assured for your beneficiaries

Pay 5-15 Years, Covered for Life

Limited premium term with a joint-life option

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What is the Whole Life Plan?

The Whole Life plan is a protection-focused life cover that guarantees a lump-sum inheritance to your beneficiaries upon death. It is designed to provide life cover in case of unforeseen death and can also be used as security on a loan. The product has a joint-life option payable on first death. Premiums are paid for a limited period of 5 to 15 years, while your cover continues for life.

Highlights

  • Guaranteed lump-sum inheritance of 100% of the sum assured on death.
  • Whole-of-life protection with a limited premium-payment term of 5 to 15 years.
  • Joint-life option payable on the first death of the two lives covered.
  • Optional riders and 15% tax relief on premiums (policies with a term above 10 years).
Multi-generational family at home protected by the APA Life Whole Life Plan
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What is Covered and Not Covered Under the Whole Life Plan?

The Whole Life plan is lifelong protection with a guaranteed inheritance, a joint-life option, and valuable optional riders. Toggle between the categories below to understand the comprehensive scope of your cover.

1

Guaranteed Death Benefit

Pays 100% of the sum assured as a lump sum to your beneficiaries upon death, guaranteeing an inheritance.

2

Whole-of-Life Protection

Protection-focused cover that safeguards your loved ones in case of unforeseen death for life.

3

Joint-Life Option

An optional joint-life arrangement that pays out on the first death of the two lives assured.

4

Limited Premium Term

Pay premiums for a defined period of just 5 to 15 years while cover continues for life.

5

Loan Security

The plan can be assigned as security on a loan, giving lenders comfort while you protect your family.

6

Guaranteed Inheritance

Leaves a guaranteed lump-sum inheritance so your legacy passes on to the next generation.

Talk to an APA Life Advisor

Find an APA Life agent or office near you to structure the right whole-life cover for your legacy.

Eligibility & Documentation for the Whole Life Plan

Eligibility Criteria
Specifications
Entry Age
Persons aged 18 to 65 years.
Premium Term
Premiums paid for a limited period of 5 to 15 years.
Cover Duration
Whole-of-life protection continues after premiums are fully paid.
Medical Exam
Required for higher sums assured per APA Life underwriting guidelines.

How to Buy the Whole Life Plan?

1

Complete the Individual Life Application Form and choose your sum assured, premium term and options.

2

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

3

Pay your premium and, where a joint-life cover is chosen, provide details for both lives assured.

4

APA Life issues your policy document, guaranteeing a lasting inheritance for your beneficiaries.

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

The Whole Life plan is a protection-focused life cover that guarantees a lump-sum benefit (100% of the sum assured) to your beneficiaries upon death, providing a lasting inheritance.

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