Prudent Life Plan

What is the Prudent Life Plan?
Prudential Life is offering a term life insurance that provides maximum protection till the attainment of age 70. This product provides 100% return of premiums, allowing term life insurance policyholders to recover all of their premiums paid over the life of the policy if they out-live the policy term and do not make a claim.

What you should know

  1.    Options        Covers       
         a. Gold             Death and Total Permanent Disability (TPD)

         b. Diamond      Death, Total Permanent Disability (TPD) and Critical illness
2. Life Assured: The Policyholder is the only life covered under this policy.
3. Age Limits (Age Next Birthday): Minimum age at entry is 18 and maximum age is 60 years.
4. Maximum Cover Ages:
  • Death – Age 70
  • Permanent Disability – Age 65
  • Critical Illness – Age 70
5. Policy Duration:  Minimum duration is 5 years and maximum of 52 years.
6. Minimum Sum Assured:  Minimum sum assured is GHS 50,000
7. Maximum Sum Assured:  Unlimited cover
8. Free Cover Limit (FCL):  The free cover (non-medical) limit is GHS 200,000.
9. Waiting Period:  Six (6) months for those who do not undergo medicals.


 1.    Cash Back -100% return of all premiums paid at maturity, provided no claim is made and policy is still active.

 2.    Critical illnesses Covered

 3.    Free Annual Medical Check-up

 4.    Benefit Escalator (Optional benefit)

To protect your benefit against the effect of inflation, your premium can be increased every year by an agreed percentage between 5% - 30%

Claims Procedure

The processing of a claim will start when the policy is active and only after we have received these documents:


For information about this plan or to submit a query or complaint, please contact us on
Phone no. 0302 208877
Email –