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What is a better start to realising your dreams for the future than by having a lump sum payment at a predetermined date? Whether it’s travelling, buying a house or paying for your child’s wedding, the Imarika plan is designed just for you.


  1. Survival Benefits: On maturity you will receive 100% plus a simple reversionary Bonus.
  2. Death Benefits: In the event of your unfortunate demise before the maturity date, 100% of the Sum Assured plus the accumulated simple reversionary bonuses will be paid to the named beneficiary (ies).
  3. Additional Benefits
    • Paid Up and Surrender – The policy will acquire paid up and surrender values after payment of at least 3 full years’premium.
    • Loans – Loans will also be available within the surrender value of the policy
    • Tax benefit – By law, a 15% insurance relief will be granted to the policyholder up to a maximum of KShs. 5,000 p.m. (KShs.60,000 p.a.)
  4. Optional Benefits
    • Total and permanent disability
    • Waiver of premium
    • Accidental Death Benefit
    • Critical illness rider
    • Medical Reimbursement Rider – In case of an accident leading to the injury and hospitalization of the life asured, the in-patient medical expenses incurred will be reimbursed subject to a maximum of 60% of the sum assured.

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APA Insurance Group 2017