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1764px;"></iframe></div><section class="py-k5 pt-4 overflow-hidden"><div class="py-5"><div class="position-relative"><div class="bg-grey left"></div><div class="container"><div class="row"><div class="col-sm-12 col-md-6 mb-3 offset-md-6"><h1 class="mb-3 d-block"><span class="fw-bold text-secondary">Product</span> <span class="fw-light">Benefits</span></h1></div></div><div class="row"><div class="col-12 col-md-3"><div class="card border-0 rounded-30 text-center shadow-sm"><img src="https://source.unsplash.com/iNK5CGCpD8U/276x201" class="card-img-top" alt="Add spouse in joint policy"><div class="card-body py-3 px-4"><h5 class="card-title text-secondary text-capitalize fs-5">Add spouse in joint policy</h5><p class="card-text fw-light">Offers the option to also cover your spouse and enjoy a discount.</p></div></div></div><div class="col-12 col-md-3"><div class="card border-0 rounded-30 text-center shadow-sm"><img src="https://source.unsplash.com/hWEPHX_JXlM/276x201" class="card-img-top" alt="Create an immediate estate for your dependents"><div class="card-body py-3 px-4"><h5 class="card-title text-secondary text-capitalize fs-5">Create an immediate estate for your dependents</h5><p class="card-text fw-light">Help your family maintain their lifestyle without having to sell land or property.</p></div></div></div><div class="col-12 col-md-3"><div class="card border-0 rounded-30 text-center shadow-sm"><img src="https://source.unsplash.com/cf1cN3ofKUM/276x201" class="card-img-top" alt="Provides peace of mind"><div class="card-body py-3 px-4"><h5 class="card-title text-secondary text-capitalize fs-5">Provides peace of mind</h5><p class="card-text fw-light">Helps you and your family offset the financial strain in the event that you or your spouse is diagnosed with a critical illness.</p></div></div></div><div class="col-12 col-md-3"><div class="card border-0 rounded-30 text-center shadow-sm"><img src="https://source.unsplash.com/WYfZXRsyels/276x201" class="card-img-top" alt="Claim insurance tax relief"><div class="card-body py-3 px-4"><h5 class="card-title text-secondary text-capitalize fs-5">Claim insurance tax relief</h5><p class="card-text fw-light">Enjoy insurance tax relief of upto 15% of the premium paid, up to a maximum of KES 60,000 annually.</p></div></div></div></div></div></div></div></section><section class="py-5 pb-0"><div class="container position-relative"><div class="bg-grey" style="height: 65%;"></div><div class="container"><div class="row"><div class="col-sm-12 col-md-6 mb-3"><h1 class="mb-3 d-block"><span class="fw-bold">Learn</span> <span class="fw-light">more</span></h1></div></div><ul class="list-group" id="learn-more"><li class="list-group-item" aria-current="true"><div class="d-flex justify-content-between align-items-center" data-bs-toggle="collapse" href="#singleLifePolicy"><div><h5>Single Life Policy</h5></div><span class="icon-expand"></span></div><div class="collapse pt-4" id="singleLifePolicy"><p>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.</p><b>PLAN A - Whole of Life Cover</b><ul class="card-body ps-0 pe-5 list-desc-two inside"><li><span>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.</span></li></ul><b class="pt-3 d-block">PLAN B- Whole of Life Cover plus Additional Critical illness cover</b><ul class="card-body ps-0 pe-5 list-desc-two inside"><li><span>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.</span></li><li><span>The other 50% of the benefit will be paid to your family and beneficiaries after your passing. If you didn鈥檛 claim the critical illness benefit then 100% of your benefit will be paid out at policy maturity.</span></li></ul></div></li><li class="list-group-item" aria-current="true"><div class="d-flex justify-content-between align-items-center" data-bs-toggle="collapse" href="#jointLifePolicy"><div><h5>Joint Life Policy</h5></div><span class="icon-expand"></span></div><div class="collapse pt-4" id="jointLifePolicy"><p>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.</p><b class="pt-1 d-block">PLAN A-Whole of Life Cover</b><ul class="card-body ps-0 pe-5 list-desc-two inside"><li><span>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.</span></li></ul><b class="pt-3 d-block">PLAN B- Whole of Life Cover plus Additional Critical illness cover</b><ul class="card-body ps-0 pe-5 list-desc-two inside"><li><span>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.</span></li><li><span>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鈥檛 claim the critical illness benefit then 100% of the benefit will be paid out at policy maturity.</span></li></ul></div></li><li class="list-group-item" aria-current="true"><div class="d-flex justify-content-between align-items-center" data-bs-toggle="collapse" href="#collapseExample"><div><h5>Waiting period</h5></div><span class="icon-expand"></span></div><div class="collapse pt-4" id="collapseExample"><p>There is a waiting period of 6 months;</p><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>When the cover is starting or when it is being reinstated</span></li><li><span>Death claims resulting from natural causes or a diagnosis of a critical illness before 6 months will not be paid.</span></li><li><span>Only claims arising from accidental causes will be payable during the waiting period.</span></li></ul></div></li><li class="list-group-item" aria-current="true"><div class="d-flex justify-content-between align-items-center" data-bs-toggle="collapse" href="#optionalBenefits"><div><h5>Optional Benefits (Riders)</h5></div><span class="icon-expand"></span></div><div class="collapse pt-4" id="optionalBenefits"><b class="pt-2 d-block">Critical Illness Benefit</b><ul class="card-body ps-0 pe-5 list-desc-two inside"><li><span>This additional benefit can only be added to Plan A (Whole of life cover)</span></li><li><span>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.</span></li><li><span>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</span></li><li><span>The critical illness benefit amount chosen should be 50% or less of the main life policy benefit amount</span></li><li><span>Settlement of a critical illness claim automatically terminates the benefit since it can only be claimed once during the policy term</span></li><li><span>The main life policy will continue to be in force as per the original policy terms</span></li></ul><b class="pt-3 d-block">Accidental Death Benefit</b><ul class="card-body ps-0 pe-5 list-desc-two inside"><li><span>This benefit can be added to both Plan A and B</span></li><li><span>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</span></li><li><span><b class="pt-3 d-block">Single Life</b><ul class="card-body ps-0 pe-5 list-desc"><li><span>In case of death of the life assured due to an accident while this rider is in force, the rider鈥檚 extra additional sum assured will be payable</span></li><li><span>In case of total & permanent total disability of the life assured before the age of 65 years, the extra additional sum assured is payable</span></li><li><span>This rider may be issued between ages 18 and 59 years and is renewable as long as the main policy remains in force.</span></li><li><span>The benefits and premiums payable under the main policy are also still payable as per the original policy conditions.</span></li></ul></span></li><li><span><b class="pt-3 d-block">Joint Life</b><ul class="card-body ps-0 pe-5 list-desc"><li><span>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</span></li><li><span>If there is no surviving life assured, benefits will be paid to nominated beneficiaries. The policy will terminate on payment of death benefits.</span></li><li><span>In case of total and permanent disability of either life assured due to an accident before the age of 65 years, the rider鈥檚 full benefit is paid to the life assured who is permanently disabled.</span></li><li><span>Settlement of an accidental death or disability claim automatically terminates the benefit since it can only be claimed once during the policy term</span></li><li><span>The main life policy will continue to be in force as per the original policy terms</span></li></ul></span></li></ul></div></li><li class="list-group-item" aria-current="true"><div class="d-flex justify-content-between align-items-center" data-bs-toggle="collapse" href="#claimDocumentation"><div><h5>Claim Documentation</h5></div><span class="icon-expand"></span></div><div class="collapse" id="claimDocumentation"><p class="lead pt-4">You will be required to provide the following documentation for a claim to be paid under PRULife policy</p><ul class="card-body ps-0 pe-5 list-desc-two"><li><span>The policy should be active and all premium payments made before the claim</span></li><li><span>A copy of the policy schedule of benefits</span></li><li><span>Original death certificate</span></li><li><span>Police report for accidental death</span></li><li><span>Postmortem report</span></li><li><span>For critical illness claims and total and permanent disability claims, a medical report to show the illness or disability is required</span></li><li><span>A duly completed claim form</span></li><li><span>Identification documents like ID or Passport</span></li></ul></div></li><li class="list-group-item" aria-current="true"><div class="d-flex justify-content-between align-items-center" data-bs-toggle="collapse" href="#exclusions"><div><h5>Exclusions</h5></div><span class="icon-expand"></span></div><div class="collapse" id="exclusions"><p class="lead pt-4">Claims occurring because of any of the exclusions listed below will not be accepted:</p><ul class="card-body ps-0 pe-5 list-desc-two"><li><span>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></span></li><li><span>Any act committed by the policyholder, the life assured, or beneficiaries that constitute a violation of criminal law.span></span></li><li><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></span></li><li><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></span></li><li><span>Active participation in mountaineering, horse riding, hunting, motor racing, power-boat racing, or fighting (except in self-defence).span></span></li><li><span>Participation in any form of aviation other than a scheduled air service over an established passenger route.span></span></li><li><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></span></li><li><span>Critical illness claims arising from conditions not listed in the policy.span></span></li><li><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></span></li></ul></div></li></ul></div></div></section><section class="py-5 position-relative"><div class="bg-grey left rounded-0" style="height: 70%;"></div><div class="container z-100 position-relative"><div class="row"><div class="col-sm-12 col-md-6 mb-3"><h1 class="mb-3 d-block" data-aos="fade-down"><span class="fw-bold text-secondary">Similar</span> <span class="fw-light">products</span></h1></div></div><div class="row"><div class="col-12 col-md-4"><a href="/pru-term/" class="card rounded-30 pb-0" data-aos="zoom-in"><img src="/assets/images/PRUTerm-thumb.jpg" class="card-img-top" alt="PRUTerm"><div class="card-body pt-4 pb-5 px-4 d-flex flex-column"><h5 class="card-title fw-bold text-capitalize">PRUTerm</h5><p class="card-text fw-light">Take up the PRUTerm product when you need protection against death or disability for a specified period, with the option of additional protection for critical illness or accidental death.</p><div class="card-static__content--btn btn-arrow"><span class="icon icon-arrow-right"></span></div></div></a></div><div class="col-12 col-md-4"><a href="/pru-memorial/" class="card rounded-30 pb-0" data-aos="zoom-in"><img src="/assets/images/PRUMemorial-thumb.jpg" class="card-img-top" alt="PRUMemorial"><div class="card-body pt-4 pb-5 px-4 d-flex flex-column"><h5 class="card-title fw-bold text-capitalize">PRUMemorial</h5><p class="card-text fw-light">When it鈥檚 all done, it only matters who steps in when everyone else steps out. With PRUMemorial family cover, final expenses will no longer catch you by surprise.</p><div class="card-static__content--btn btn-arrow"><span class="icon icon-arrow-right"></span></div></div></a></div></div></div></section><script>function onSubmitLeadForm(token) { document.getElementById("lead-form").submit(); }</script><section class="py-5"><div class="container py-5 position-relative" id="lead-form"><div class="row position-relative"><div class="col-sm-12 col-md-5 offset-md-1"><h2 class="fw-bold">Not what you鈥檙e <span class="fw-normal">looking for?</span></h2><p class="fw-light">Don鈥檛 worry, we'll help you get the correct solution that fits your needs. Provide us with your phone number and we will call you right back.</p></div><div class="col-sm-12 col-md-5"><form action="/integrations/callback.php" method="POST" id="leads-form"><input class="form-control form-control-lg py-3" type="number" placeholder="enter your phone number" required name="phone_number" maxlength="15"> <input type="hidden" name="Website_Page" value="PRULife"> <input type="hidden" name="Website_Source" value="Callbacks"> <button class="btn btn-danger rounded-pill btn-lg float-end mt-4 px-4 fw-bold" type="submit" class="g-recaptcha" data-sitekey="6LevMNAUAAAAAC1ZSkqLXh12_rYgnpp7VAznktoG" data-callback="onSubmitLeadForm" data-action="submit">Call me back</button></form></div></div></div></section></main><section class="pt-5 social-section"><div class="container position-relative pt-lg-5"><div class="bg-grey col-12 col-md-7 offset-md-5 d-sm-none d-lg-block" style="height: 100%; width: 66.66667%; right: auto;"></div><div class="container p-0"><div class="row"><div class="col-sm-12 col-lg-4 mb-3 text-center text-lg-start"><h1 class="mb-3 d-block"><span class="fw-bold d-block">Stay</span> <span class="fw-bold">Connected</span></h1><p class="lead fw-normal">Follow us on social media for the latest on Prudential in Kenya.</p></div><div class="col-sm-12 col-lg-8 mb-3"><div class="row justify-content-between"><div class="col-3 col-md-3 text-center"><a href="https://www.linkedin.com/company/prudential-life-kenya/?originalSubdomain=ke" target="_blank" rel="noopener noreferrer" class="social-link text-decoration-none position-relative d-block"><div class="link-list__card--img"><img src="/assets/images/Linkedin.svg" alt="LinkedIn" class="d-block"></div><div class="lead fw-bold text-dark d-block my-4">LinkedIn</div><div class="d-none d-md-block card-static__content--btn btn-arrow position-relative mx-auto"><span class="icon icon-arrow-right"></span></div></a></div><div class="col-3 col-md-3 text-center"><a href="https://web.facebook.com/PrudentialKE" target="_blank" rel="noopener noreferrer" class="social-link text-decoration-none position-relative d-block"><div class="link-list__card--img"><img src="/assets/images/FB.svg" alt="Facebook" class="d-block"></div><div class="lead fw-bold text-dark d-block my-4">Facebook</div><div class="d-none d-md-block card-static__content--btn btn-arrow position-relative mx-auto"><span class="icon icon-arrow-right"></span></div></a></div><div class="col-3 col-md-3 text-center"><a href="https://twitter.com/PrudentialKenya" target="_blank" rel="noopener noreferrer" class="social-link text-decoration-none position-relative d-block"><div class="link-list__card--img"><img src="/assets/images/Twitter.svg" alt="Twitter" class="d-block"></div><div class="lead fw-bold text-dark d-block my-4">Twitter</div><div class="d-none d-md-block card-static__content--btn btn-arrow position-relative mx-auto"><span class="icon icon-arrow-right"></span></div></a></div></div></div></div></div></div></section><footer class="pt-5 mt-5"><br><div class="container pb-4"><div class="row"><div class="col-sm-12 col-md-2 col-lg-2"><h5 class="mb-4">Individual</h5><ul class="list-unstyled"><li><a href="/life-protection/">Life protection</a></li><li><a href="/health/">Health</a></li><li><a href="/savings/">Savings</a></li></ul></div><div class="col-sm-12 col-md-2 col-lg-2"><h5 class="mb-4">Corporate</h5><ul class="list-unstyled"><li><a href="/group-life/">Group Life</a></li><li><a href="/group-credit-life/">Group Credit Life</a></li><li><a href="/pru-sme/">PRUSME</a></li><li><a href="/group-hospital-cash/">Group Hospital Cash</a></li></ul></div><div class="col-sm-12 col-md-2 col-lg-2"><h5 class="mb-4">Wellness</h5><ul class="list-unstyled"><li><a href="/general-wellness/">General Wellness</a></li><li><a href="/mental-wellness/">Mental Wellness</a></li></ul></div><div class="col-sm-12 col-md-2 col-lg-2"><h5 class="mb-4">About Us</h5><ul class="list-unstyled"><li><a href="/our-history/">Our History</a></li><li><a href="/our-leadership/">Our Leadership</a></li><li><a href="/our-values/">Our Values</a></li><li><a href="/our-logo/">Our Logo</a></li></ul></div><div class="col-sm-12 col-md-2 col-lg-2"><h5 class="mb-4">Legal</h5><ul class="list-unstyled"><li><a href="/terms-of-use/">Terms of Use</a></li><li><a href="/privacy-policy/" title="Privacy Policy">Privacy Policy</a></li></ul></div><div class="col-sm-12 col-md-2 col-lg-2"><h5 class="mb-4">Prudential</h5><address>Ground Floor, Vienna Court, State House Crescent, off State House Avenue Nairobi, Kenya</address><p><a href="mailto:customer.service@prudentiallife.co.ke">customer.service@prudentiallife.co.ke</a></p><p><a href="tel:+254719075000">+254 719 075 000</a></p></div></div></div><div class="bottom"><div class="container py-5"><div class="row"><div class="col-sm-12 col-md-9 col-lg-9"><p>Prudential Life Assurance Kenya Limited is Regulated by the Insurance Regulatory Authority of Kenya.</p><p>漏 Copyright 2024 Prudential Life Assurance Kenya Limited (A member of Prudential plc group). All rights reserved.</p></div><div class="col-sm-12 col-md-3 d-flex align-items-center text-center d-none"><ul class="list-inline"><li class="list-inline-item"><a href="https://web.facebook.com/PrudentialKE" target="_blank" rel="noopener noreferrer"><i class="bi bi-facebook"></i></a></li><li class="list-inline-item"><a href="https://twitter.com/PrudentialKenya" target="_blank" rel="noopener noreferrer"><i class="bi bi-twitter"></i></a></li><li class="list-inline-item"><a href="https://www.instagram.com/prudentialkenya/" target="_blank" rel="noopener noreferrer"><i class="bi bi-instagram"></i></a></li><li class="list-inline-item"><a href="https://www.youtube.com/channel/UCZxnfOBPjmJN2kbBkbpcg7A" target="_blank" rel="noopener noreferrer"><i class="bi bi-youtube"></i></a></li><li class="list-inline-item"><a href="https://wa.me/254719075000" target="_blank" rel="noopener noreferrer"><i class="bi bi-whatsapp"></i></a></li><li class="list-inline-item"><a href="https://www.linkedin.com/company/prudential-life-kenya/?originalSubdomain=ke" target="_blank" rel="noopener noreferrer"><i class="bi bi-linkedin"></i></a></li></ul></div></div></div></div></footer><div class="section floating-cta no-expand d-none" data-floating-cta="" style="top: auto"><div class="floating-cta__wrapper"><div class="floating-cta--icon"><i class="bi bi-telephone-forward"></i></div><div class="floating-cta__content"><a class="floating-cta__content--btn-default text-decoration-none" href="#" title="Want to know more?">Make an appointment with an agent</a></div></div></div><script>!function(e,t,n,s,u,a){e.twq||(s=e.twq=function(){s.exe?s.exe.apply(s,arguments):s.queue.push(arguments); },s.version='1.1',s.queue=[],u=t.createElement(n),u.async=!0,u.src='//static.ads-twitter.com/uwt.js', a=t.getElementsByTagName(n)[0],a.parentNode.insertBefore(u,a))}(window,document,'script'); // Insert Twitter Pixel ID and Standard Event data below twq('init','o8en4'); twq('track','PageView');</script><script src="https://cdnjs.cloudflare.com/ajax/libs/jquery/3.6.0/jquery.min.js" integrity="sha512-894YE6QWD5I59HgZOGReFYm4dnWc1Qt5NtvYSaNcOP+u1T9qYdvdihz0PPSiiqn/+/3e7Jo4EaG7TubfWGUrMQ==" crossorigin="anonymous" referrerpolicy="no-referrer"></script><script type="text/javascript" src="https://cdn.jsdelivr.net/npm/lozad/dist/lozad.min.js"></script><script src="https://cdn.jsdelivr.net/npm/bootstrap@5.0.1/dist/js/bootstrap.bundle.min.js" integrity="sha384-gtEjrD/SeCtmISkJkNUaaKMoLD0//ElJ19smozuHV6z3Iehds+3Ulb9Bn9Plx0x4" crossorigin="anonymous"></script><script src="https://unpkg.com/swiper/swiper-bundle.min.js"></script><script type="text/javascript">var onDataCallback = function (e) { $("[type='submit']").removeAttr("disabled"); }; var onErrorCallback = function (e) { $("[type='submit']").attr("disabled", "disabled"); };</script><script src="https://www.google.com/recaptcha/api.js" async defer="defer"></script><script>(function (i, s, o, g, r, a, m) { i['GoogleAnalyticsObject'] = r; i[r] = i[r] || function () { (i[r].q = i[r].q || []).push(arguments) }, i[r].l = 1 * new Date(); a = s.createElement(o), m = s.getElementsByTagName(o)[0]; a.async = 1; a.src = g; m.parentNode.insertBefore(a, m) })(window, document, 'script', 'https://www.google-analytics.com/analytics.js', 'ga'); ga('create', 'UA-59148445-1', 'auto'); ga('send', 'pageview');</script><script type="text/javascript">//<![CDATA[ var sc_project = 10263365; var sc_invisible = 1; var sc_security = "50b5bb75"; var scJsHost = (("https:" == document.location.protocol) ? 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