Prudent Life Plan
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.
What you should know
| Options | Covers |
|---|---|
| Gold | Death and Total Permanent Disability (TPD) |
| Diamond | Death, Total Permanent Disability (TPD) and Critical illness |
MAIN BENEFITS
Cash Back
100% return of all premiums paid at maturity, provided no claim is made and the policy is still active.
Critical Illnesses Covered
- Alzheimer’s Disease
- Blindness (Severe Glaucoma or Cataract)
- Cancer
- Coma
- Coronary Artery Disease requiring surgery
- Heart Attack
- Loss of use of limb due to medical causes
- Major Burns
- Multiple Sclerosis
- Organs transplant
- Paralysis
- Renal Failure
- Stroke
– Free Annual Medical Check-up
– Death/TPD Benefit
– 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%
Learn more
The Policyholder is the only life covered under this policy.
Minimum age at entry is 18 and maximum age is 60 years.
| Maximum Cover Ages |
|---|
| Death – Age 70 |
| Permanent Disability – Age 65 |
| Critical Illness – Age 70 |
Minimum duration is 5 years and maximum of 52 years.
Minimum sum assured is GHS 100,000
Unlimited cover
The free cover (non-medical) limit is GHS 500,000.
Six (6) months for those who do not undergo medicals.
