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PRULife

Stay ahead of unplanned eventualities

PRULife

Product Features

PRULife is a whole of life protection plan meaning your loved ones get to receive a lump sum payout in the event you lose your life at any time and at any age, when you get diagnosed with a critical illness or when you suffer a total and permanent disability resulting from an incident.

  • Lump sum amount paid at the end of the policy term ranges from Ksh.1M to Ksh. 80M
  • Minimum eligible age is 18 years and maximum is 60 years
  • Offers you the option to cover your spouse in addition to yourself.
  • You may choose to pay premiums for the whole of your life or upto the age of 60 or 65 years (note: to pay premiums up to age 60 years, one must be 55 years old or younger at entry)
  • You can also choose to pay premium for the next 10, 15 or 20 years
  • Enjoy bonuses that accrue yearly throughout the lifetime of the policy.

Product Benefits

Add spouse in joint policy
Add spouse in joint policy

Offers the option to also cover your spouse and enjoy a discount.

Create an immediate estate for
                                    your dependents
Create an immediate estate for your dependents

Help your family maintain their lifestyle without having to sell land or property.

Provides peace of mind
Provides peace of mind

Helps you and your family offset the financial strain in the event that you or your spouse is diagnosed with a critical illness.

Claim insurance tax relief
Claim insurance tax relief

Enjoy insurance tax relief of upto 15% of the premium paid, up to a maximum of KES 60,000 annually.

Learn more

  • Single Life Policy

    Single life policy means the policy only covers one person, i.e the assured life only. Both plan A and plan B are available for this option.

    PLAN A - Whole of Life Cover
    • Your family and beneficiaries receive the full 100% benefit, a lump sum amount of money, upon your passing on, plus the full amount of bonuses accrued yearly throughout the period of the policy.
    PLAN B- Whole of Life Cover plus Additional Critical illness cover
    • In the case you are diagnosed with a critical illness, then 50% of your benefit will be paid to you to cater for the medical bills. Your premiums will be waived off and at this point, your critical illness benefit is terminated.
    • The other 50% of the benefit will be paid to your family and beneficiaries after your passing. If you didn’t claim the critical illness benefit then 100% of your benefit will be paid out at policy maturity.
  • Joint Life Policy

    A joint life policy covers two lives, you and your spouse depending on who claims first, whether on death or upon diagnosis of a critical illness. Both plan A and plan B are available for this option.

    PLAN A-Whole of Life Cover
    • Your family and beneficiaries receive the full 100% benefit, a lump sum amount of money, upon your passing on or your spouse, plus the full amount of bonuses accrued yearly throughout the period of the policy.
    PLAN B- Whole of Life Cover plus Additional Critical illness cover
    • In the case either you or your spouse is diagnosed with a critical illness, then 50% of your benefit will be paid out to to cater for the medical bills. Your premiums will be waived off and at this point, your critical illness benefit is terminated.
    • The other 50% of the benefit will be paid to your family and beneficiaries upon your passing on or that of your spouse. If you didn’t claim the critical illness benefit then 100% of the benefit will be paid out at policy maturity.
  • Waiting period

    There is a waiting period of 6 months;

    • When the cover is starting or when it is being reinstated
    • Death claims resulting from natural causes or a diagnosis of a critical illness before 6 months will not be paid.
    • Only claims arising from accidental causes will be payable during the waiting period.
  • Optional Benefits (Riders)
    Critical Illness Benefit
    • This additional benefit can only be added to Plan A (Whole of life cover)
    • This benefit helps in taking care of your medical bills in case you are diagnosed with a critical illness before attaining the age of 65 years, the benefit is paid out immediately after the diagnosis.
    • You can choose how much you would want to receive upon a diagnosis of a critical illness; the minimum amount is Ksh. 1M and the maximum is Ksh. 15M
    • The critical illness benefit amount chosen should be 50% or less of the main life policy benefit amount
    • Settlement of a critical illness claim automatically terminates the benefit since it can only be claimed once during the policy term
    • The main life policy will continue to be in force as per the original policy terms
    Accidental Death Benefit
    • This benefit can be added to both Plan A and B
    • You can choose how much your family and beneficiaries will receive upon your passing on after an accident; the minimum amount is Ksh. 1M and the maximum is Ksh. 20M
    • Single Life
      • In case of death of the life assured due to an accident while this rider is in force, the rider’s extra additional sum assured will be payable
      • In case of total & permanent total disability of the life assured before the age of 65 years, the extra additional sum assured is payable
      • This rider may be issued between ages 18 and 59 years and is renewable as long as the main policy remains in force.
      • The benefits and premiums payable under the main policy are also still payable as per the original policy conditions.
    • Joint Life
      • In case of death of either the assured or the spouse due to an accident, then the full rider benefit will be paid to the surviving life assured in addition to the main life benefit on the main cover
      • If there is no surviving life assured, benefits will be paid to nominated beneficiaries. The policy will terminate on payment of death benefits.
      • In case of total and permanent disability of either life assured due to an accident before the age of 65 years, the rider’s full benefit is paid to the life assured who is permanently disabled.
      • Settlement of an accidental death or disability claim automatically terminates the benefit since it can only be claimed once during the policy term
      • The main life policy will continue to be in force as per the original policy terms
  • Claim Documentation

    You will be required to provide the following documentation for a claim to be paid under PRULife policy

    • The policy should be active and all premium payments made before the claim
    • A copy of the policy schedule of benefits
    • Original death certificate
    • Police report for accidental death
    • Postmortem report
    • For critical illness claims and total and permanent disability claims, a medical report to show the illness or disability is required
    • A duly completed claim form
    • Identification documents like ID or Passport
  • Exclusions

    Claims occurring because of any of the exclusions listed below will not be accepted:

    • Suicide, attempted suicide or any self-inflicted injury whether the life assured is sane or insane at the time and if it occurs within two years from the commencement of the policy.span>
    • Any act committed by the policyholder, the life assured, or beneficiaries that constitute a violation of criminal law.span>
    • Abuse of alcohol, wilful inhalation of gas, self-inflicted injury, wilful exposure to radioactivity, or the wilful consumption of poison or overdose of drugs (whether the drugs have been prescribed by a medical practitioner or not).span>
    • With the exception of those deployed by the disciplined forces of the Republic of Kenya, any act of war (whether war be declared or not), military action, terrorist activities, riots, strikes, civil commotion, or insurrection in all cases as an active participant.span>
    • Active participation in mountaineering, horse riding, hunting, motor racing, power-boat racing, or fighting (except in self-defence).span>
    • Participation in any form of aviation other than a scheduled air service over an established passenger route.span>
    • Any medical condition not disclosed prior to the issuance of the policy, for which treatment was received or recommended by a medical practitioner or of which the life assured was aware of prior to the date of declaration of the policy.span>
    • Critical illness claims arising from conditions not listed in the policy.span>
    • Death caused by natural causes and critical illness claims; occurring within six months from the date the policy starts or from the date the policy benefits are increased or from the policy reinstatement date.span>

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