REACH US ON : O20 286 2000    Contact Centre: 0709 912 777 call
callREACH US ON : O20 286 2000     Contact Centre: 0709 912 777


Welcome to Apollo Investments Limited. Since our founding in 1977, our mission has been to provide present and future peace of mind to the East African market and, in turn, enhance the quality of life for both our clients and their loved ones.

Built on commitment, integrity and innovation, we have risen to become one of the leading Financial Service Groups in East Africa.

The Apollo Group has 6 companies; APA Insurance, APA Life, APA Uganda, Apollo Asset Management, Gordon Court (Apollo Centre) and Reliance Insurance, Tanzania



Apollo Branch established in Nairobi.


Gordon Court purchased as a specialist property development company.


APA Insurance Kenya formed after the merger of the general businesses of Apollo Insurance Company and Pan Africa Insurance.


Gordon Court – completes the construction of Apollo Centre which becomes the group headquarters. APA Insurance (Uganda).

A specialist General Insurance provider in Uganda commenced operations.


Apollo Insurance separates its Life Insurance business to form Apollo Life Assurance Limited.


Apollo Life Assurance Ltd rebrands to APA Life Assurance  Limited.



We put smiles on the faces of our stakeholders



To be the region’s most respected Group creating and protecting wealth.

Our Customer Service Charter

At Apollo Group, we are committed to the continuous improvement of our service to you, ensuring we are always ready to listen, help and advise you.

view service charter

Apollo Group comprises:

  • APA Insurance Kenya

    As one of the leading general insurers in Kenya, APA Insurance caters to both individuals and corporates across the country  with its wide range of insurance solutions as well as services that go beyond insurance.

    The flagship company, was formed after the merger of the general businesses of Apollo Insurance Company and Pan Africa Insurance. With a combined experience of over 100 years (Pan Africa – 1946 and Apollo –1977), APA has become the largest insurance firm in Kenya and the most innovative in product offering.

    APA Insurance underwrites General Insurance risks such as Motor, Liability, Agriculture, Marine, Aviation, Property and Micro Insurance. We also underwrite Health Insurance, i.e. Corporate Health Insurance, Individual and Family Health Insurance.

  • APA Insurance Uganda

    Our wholly-owned subsidiary is in its sixth year of operation (2016). The company’s market share and ranking has improved and has been recognized for Best Claims Service by the insurance industry in Uganda.

    It underwrites all classes of General Insurance including marine and aviation.

  • APA Life Assurance

    APA Life Assurance is one of the leading insurance companies in Kenya, providing Life Insurance and Pension Benefits. It has been recognised as the Best Insurance Company in Claims Settlement (Life Business).

    Our products include: Employee Benefits such as Group Life Assurance, Last Expense, Disability Covers and Individual Pension Plans. We also provide Unit Linked Investment Plans and Education Plans, and individual products i.e. APA Elimu ,Pumzisha, Imarika and Hosicare.

  • Apollo Asset Management Company

    Apollo Asset Management Company (AAMC) is focused exclusively on meeting needs of institutional investors like pension schemes, Saccos, and High Net Worth investors and their families. We also have unit trust funds that cater for individuals as well as groups ie chamas. AAMC is licensed by the Capital Markets Authority (CMA) and the Retirement benefits Authority (RBA) to conduct Fund Management and Investment Advisory Services.

  • Apollo Centre Conference Suites

    Apollo Centre is wholly owned by Gordon Court Limited, a subsidiary of AIL. It is a commercial building situated in the Westlands area of Nairobi.

    Besides being the group headquarters, Apollo Centre offers modern conference facilities including: private meeting rooms and custom designed training rooms fitted with state of the art equipment.

    The facility is popular with a number of corporate and individual clients due to its exclusivity and convenience. Gordon Court continues to provide a strong foundation for the development of our land assets.

  • Reliance Insurance Company (Tz)

    Reliance Insurance Company (Tz) was formed in 1998 in light of the opportunities offered by the privatisation of the insurance industry in Tanzania. It is an associate of APA Insurance.

    APA Insurance Limited acquired 34% of the shares consequent to the merger of Pan African Insurance and Apollo Insurance. The company has been making steady progress and has built a strong financial base and an equally strong customer-oriented culture.

    Reliance is one of the leading private non-life insurers in Tanzania offering a wide range of products to cover all kinds of property and liability risk exposures like Fire, General Crime and Accident, Motor Vehicles, Cargo, etc. It is committed to excellence in customer service and good corporate governance.

Janette Awidhi

Head of Legal and Claims

Janette has over 25 years of proven track record in claims management. She holds a Bachelor of Science in Insurance from the University of Nairobi and a Diploma ACII from the Insurance Institute, UK.

Ann Njoki

Reinsurance Manager

Anne Njoki has over eight years’ experience in Reinsurance. She holds a Bachelor’s of science degree in Applied Business Computing from the University of Sunderland, UK. She is a Cert CII and is currently pursuing a Diploma from the Institute of Risk Management, UK.

Benjamin Otieno

Group Risk manager

Benjamin has an experience spanning over 15 years in banking, development financing and insurance industries having worked on various risk management and strategy assignments. He holds a bachelor’s degree in mathematics and computer science and an MSc in information systems. He is a member of the Global Association of Risk Professionals (GARP) and Information Systems Audit and Control Association (ISACA).

Vinod Bharatan

Chief Executive Officer

Vinod has over 35 years’ insurance experience both in India and Kenya. He has a proven track record of success in multiple areas including sales, marketing, operations, technology and financial acumen. He has a Master of Art Degree (MA English) from Rajasthan University and is an Associate of the Insurance Institute of India.

Bernard Kinyanjui

Head of Corporate Business

Bernard Kinyanjui serves as the Head of Corporate Business and has 17 years of experience in the Insurance industry
Mr. Kinyanjui holds an MBA in Strategic Management, Bachelor of Commerce in Finance, CII Diploma and a Certificate of Proficiency in Insurance (COP).
He is also a member of the Chartered Insurance Institute.

John Kigochi

Chief Finance Officer

Kigochi holds a Bachelor of Commerce degree – Accounting Option, from the University of Nairobi, an MBA – Finance, and a CPA (K).

He has over 18 years Insurance experience.

Parul Khimasia

Chief Business Development Officer

Parul Khimasia holds a Bachelor’s degree in Management Science from the University of Manchester Institute of Science and Technology (UMIST).

He has over 14 years of experience in the Insurance industry.

Manju Naul

Director of Operations

Manju is the Director of Operations. She has 35 years working experience in the Kenyan Insurance Industry

Sheila Gichuhi

Head of Health

Sheila Gichuhi is the Head of Health Business, and has over 10 years of experience in the Health Industry.

She holds a Bachelor’s degree in International Business Administration-Management from the United States International University.

Caroline Kamau

Director of Business Development

Caroline Kamau has 15 years of experience in the insurance Industry. She holds a Bachelor’s in Commerce Business Administration-Management & Marketing from Daystar University. She is also an Associate of the Insurance Institute of Kenya.

Amos Mabuka

Director of business development

Amos is a seasoned Insurance professional with extensive, hands – on experience in both Business Development and Operations Management. He is a Chartered Insurer as well as Associate of The Chartered Insurance Institute – UK, with over 17 years progressive Insurance Industry experience. Mr. Mabuka also holds a Bachelor of Science in Mathematics and is currently pursuing an MBA in Strategic Management

Lucy kuria

Head of Care Team

Lucy is a medic by profession with over 34 years’ experience in the health care sector and has over 27 years managerial experience in health care management. She has accreditation from the South African case management association.

Catherine Karimi


Catherine holds a Bachelor of Education – Science, from the Kenyatta University, and a CII Diploma. She also has Actuarial Studies background and currently pursuing Senior Management Leadership Programme at Strathmore Business School.  She has 18 years’ experience in the Kenyan Insurance industry.

Shalini Goswami

Head of Health Claims

Shalini has a  PhD in Food Science from the University of Reading to complement her Bsc (Hon) in Food Science & Technology from the University of Nairobi.

She has 16 years’ experience in the Health insurance business and has overseen the acquisition and implementation of the APA Health claims system.

Charles Wambua

Head of Microinsurance & Agribusiness

Charles holds a Bachelors degree in Education, a Masters degree in Business Administration and is currently pursuing a Masters degree in Economics. He has over 22 years of experience in economic development programs both locally and across several countries in Africa and has  played key roles in the microinsurance landscape surveys for Kenya and for Africa jointly published by Munique Re Foundation and GIZ program “Making Finance Work for Africa”.

Chris Ngala

Group Head of Internal Audit

Chris is the Group Head of Internal Audit with over 20 combined years in the Accounting and Audit professions. He is a member of the Institute of Certified Public Accountants of Kenya and the Information Systems and Control Association. Prior to joining the Apollo Group, he held similar positions at the Jubilee Holdings and NIC Bank. He also worked in various capacities at Commercial Bank of Africa Limited. He is a member of the Institute of Internal Auditors.

James Nyakomitta

Group Chief Information Officer

James is an experienced Information & Communication Technology professional with extensive background in planning, organizing and implementing Information communication and related Technologies that support business operations. He holds a Masters degree in Business Administration and is a graduate of Computer Science. James has served in various ICT leadership roles for the past 14 years in both Insurance and Banking sectors, with continued success in meeting business / operational goals. He is a member of Information Systems Audit and Control Association (ISACA).

Judith Bogonko Juma

Head of Customer Service

Judith Bogonko Juma is the head of customer service, and has 8 years of experience in the insurance industry. She holds a Bachelor’s degree in Actuarial Science from JKUAT, a postgraduate degree in project management from KIM and an MBA from Daystar University. She is currently pursuing ACII certification.

Jackie Tonui

Head of Corporate Communications

Jackie Tonui is the Head of Corporate Communications and has six years in advertising and brand communications. She holds a bachelor’s degree in International Business Administration-Marketing from the United States International University and is currently pursuing a post graduate diploma from the Chartered Institute of Marketing.

Ashok Shah

Group CEO

Ashok Shah is the current Group CEO of Apollo Investments Limited. He has over 40 years experience in Insurance. He has majored in Applied Chemistry from Kingston University (UK) and is a Chartered Insurer by profession.

He is a member of the Chartered Institute of Arbitrators.

Other directorships include: Barclays Bank, Central Depository System Corporation, Reliance Insurance Company (Tanzania), APA Insurance (Uganda) Ltd, Apollo Life Assurance Ltd, and Apollo Asset Management.

He is the first recipient of the Think Business Life Time Achievement Award for his contribution to the Insurance Industry in Kenya.

He is also involved in many social activities, mainly in support of the needy and underprivileged.

Daniel Ndonye

Chairman, Apollo Investments Ltd

Daniel Ndonye brings to the Board vast experience.

He is alumnus of the Alliance High School and holds a Bachelor of Commerce degree from the University of Nairobi.

He is also a Fellow of the Institute of Chartered Accountants in England and Wales, the Institute of Certified Public Accountants of Kenya and the Institute of Certified Public Secretaries of Kenya.

Richard Ashley

Chairman, APA Life

Rick Ashley is a qualified accountant and brings with him over 30 years of experience in the financial sector. He was the Chief Executive of Old Mutual Asset Managers (Kenya) and Managing Director of Kestrel Capital (EA) Limited, having previously worked for Peat Marwick, Cayman Islands, Arthur Andersen & Company and Prudential Corporation Plc in London. He was also the founding Chairman of Fund Managers Association of Kenya and previously served as a member of Market Leaders Forum, Central Bank of Kenya.

Other Directorships include: APA Life Assurance Ltd, Apollo Investments Ltd, ARM Cement Ltd, Maweni Limestone Ltd, Mafikeng Cement Company in South Africa and AFB in Kenya.

Pratul Shah

Company Secretary

Pratul Shah is a Chartered Certified Accountant and a Certified Public Accountant (Kenya).

He is currently an advisor to various companies in the banking, insurance, manufacturing and services sectors, on strategic planning and restructuring.

He has vast experience in Corporate Finance, which includes transaction advice on mergers, acquisitions/disposals and raising capital through private placements, public offers and a debt funding.

Pratul is a non-executive board member of Car & General (K) Limited, Coastal Bottlers Limited, Bank One Limited – Mauritius, Reliance Insurance Company (Tanzania) Limited and I&M Bank (Tanzania) Limited.

S M Shah


Mr Shashi M Shah was marketing insurance long before the formation of Apollo Insurance Company which he set up in 1977 as a composite insurance business, dealing with both General and Life Insurance.

He has studied in Kenya, India, Zambia and Swiss Insurance Training College in Switzerland, and has been a charter member of the International Insurance Society.

Mr Shah is an executive director at APA Insurance Ltd, and his directorships among others include: Apollo Investments Ltd, Kenmac Ltd, APA Life Assurance Co. Ltd and Gordon Court Ltd.

He is involved in a lot of social activities and charities which include medical camps, distribution of artificial limbs and eye clinics among others.

He is a past member of the Rotary Club of Mombasa and a charter member of the Rotary Club of Bahari where he is a trustee and past president.  At the Pandya Memorial Society, he is a trustee and past chairman.

PJ Shah


PJ Shah is a director of Apollo investments, having sat on the board since the inception of APA Insurance in 1978. He has over 35 years in the insurance industry and has vast business interests. PJ is an active philanthropist who is dedicated to serve the disadvantaged in the society.

Piyush Shah


Piyush Shah is a Chartered Accountant with a background in IT enterprises with over 30 years’ experience in both these fields. He is an active angel investor and is a non-executive director of different companies. Piyush draws his experience from firms both in Kenya and in the United Kingdom

Reto Schnarwiler


Reto Schnarwiler leads Swiss Re’s public sector business in EMEA; Americas; and the company’s microinsurance activities. He’s a member of the board of directors at responsibility Investments AG, Switzerland and APA Insurance, APA Life and Apollo Investments, Kenya. With Swiss Re since 1996, he holds a degree in business administration from University of St. Gallen (lic.oec. HSG), an MBA in Financial Services & Insurance from Leuven-Vlerick Business School in Belgium, University of Nyenrode and University of St. Gallen in Switzerland.

Fred Mburu

Chief Executive Officer

Fred is a seasoned investment guru. With 20 years of living, watching and dreaming investments he is equipped with requisite experience & knowledge of managing Pension Funds, Mutual Funds and High Net Worth individuals.

With Fred Mburu, Apollo Asset Management is uniquely positioned to deliver client’s return objectives and extract value out of existing Asset Management Strategies, and create assets  and realise investment opportunities  existing in-country and emerging markets.

Amos Kosgei

Portfolio Manager

Amos Kosgei is the Portfolio Manager at Apollo Asset Management Company.  He has 12 years experience in the financial services industry.  Amos has a Master of Science degree in Economics from Eastern College in Philadelphia, USA and is also a graduate of Daystar University. He also has had trainings in Fundamentals of Investing, Anti-Money Laundering, and Bond Trading.

Daniel Mugo

Chief Finance Officer

For the past 11 years, Daniel K. Mugo has served as the Chief Finance Officer.

He is responsible for the financial management of the company. His key accountabilities range from looking at areas of cost saving to effective utilisation of company resources. He is also tasked with ensuring that the company assets are well safeguarded at all times.

Mr. Mugo has a Bachelor of Commerce degree (Hon.) in Finance, a Diploma in Business Management – Kenya Institute of Management, a Certificate of Proficiency in Insurance (COP), and is a member of the Institute of Certified Public Accountants of Kenya (ICPAK).

Jane Watiki

Head of Operations

Jane Wakiti serves as the Head of Operations at APA Life and has been with the company for 15 years.

Her 25 years of experience in the Insurance industry is well applied within her responsibilities which involve overseeing the administration of Individual Life, Group Life, Pensions  and Claims Management.

She is a member of the Insurance Institute of Kenya (IIK) and the Chartered Insurance Institute.

Stephen Muiga

Business Development Manager

Stephen Muiga is the current Business Development Manager – Credit Life and Micro Insurance.He has 11 years’ experience in the industry.

Mr. Muiga holds a Bachelor of Commerce in Insurance and an MBA in Business Administration, Marketing. He is a member of the Association of Kenya Insurers (AKI) Agents Award task force.

Mark Mumo

Business Development Manager

Mark Mumo is the Group Life Business Development Manager  and has 7 years of experience in the Insurance Industry. He holds a Bachelor’s degree in Actuarial Science from the Jomo Kenyatta University of Agriculture & Technology and a Masters Degree in International Business Management from the University of Nairobi.

James Njagi

Business Development Manager

James Njagi is the Business Development Manager and has 7 years of experience in the Insurance industry. He holds a Bachelor degree in Actuarial Science from the Jomo Kenyatta University of Agriculture & Technology (JKUAT).

Bernadicto Makena

National Sales Manager

Mr. Makena is the National ales Manager for APA Life. He spent the last 22 years working in the insurance industry and is a member of CIM.

His responsibilities at APA Life include growing Individual Life business through recruitment training and development of the agency sales force. He holds a Bachelors (B.Sc Mathematics) from Kenyatta University.