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PRUTerm

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class="navbar-brand" href="/" title=""><img src="/assets/images/Pru_FELFEF_Prulogo_Landscape lockup_Red Grey_cmyk.jpg" alt="Prudential LIfe Assurance Kenya"></a><div class="header__right d-flex align-items-center"><a class="btn-icon header__search-bar" href="/search/"><div class="icon icon-search"></div></a><a class="btn-icon header__contact" href="/contact-us/" title="Contact" data-header-popup="contact"><div class="icon icon-contact-chat"></div></a><a href="/locations/" title="Find us" class="btn-icon header__prueshop fst-italic align-middle d-flex align-items-center"><div class="icon icon-language d-inline-block mx-1"></div><span class="d-none d-lg-block">Find us</span></a></div></div></nav></div><div class="container-fluid g-0" id="navContainer"><nav class="navbar navbar-expand-lg navbar-dark py-0 py-lg-3"><div class="container rounded"><button class="navbar-toggler bg-white" type="button" data-bs-toggle="collapse" data-bs-target="#navbarSupportedContent" 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Service</span></a></li></ul></div></div></nav></div><div class="utility-panel search-bar pt-lg-5 pb-4 pt-4 align-items-center"><div class="container"><div class="row align-items-center"><div class="col-sm-12 col-lg-4 fw-bold fs-5 text-center text-lg-start">What can we help you find?</div><div class="col-sm-12 col-md-7"><form action="#" method="POST" id="form-search"><div class="input-group"><span class="input-group-text bg-white border-2 border-end-0"><span class="icon icon-search"></span> </span><input type="text" class="form-control form-control-lg border-2 border-start-0" placeholder="Type your search term and press enter" aria-label="Type your search term and press enter" aria-describedby="button-addon2" required></div></form></div><div class="col-sm-12 col-md-1"><a class="utility-panel--btn-close mx-auto" href="#" title="close"><span class="icon icon-close"></span></a></div></div></div></div><div class="utility-panel contact-bar pt-lg-5 pb-4 pt-4 align-items-center"><div class="container"><div class="row align-items-center"><div class="col-sm-12 col-lg-4 fw-bold fs-5 text-center text-lg-start">What can we help you with?</div><div class="col-sm-12 col-lg-3"><a href="tel:+254719075000" class="btn btn-outline-secondary rounded-pill py-3 px-4 border-2 w-100 mb-4 mb-lg-0"><i class="bi bi-telephone-fill" style="margin-right: .5rem;"></i> <b>+254 719 075 000</b></a></div><div class="col-sm-12 col-lg-3"><a href="/contact-us/" class="btn btn-outline-secondary rounded-pill py-3 px-4 border-2 w-100 mb-4 mb-lg-0"><i class="bi bi-chat-left-text-fill" style="margin-right: .5rem;"></i> <b>Send us an enquiry</b></a></div><div class="col-sm-12 col-md-1 offset-md-1"><a class="utility-panel--btn-close mx-auto" href="#" title="close"><span class="icon icon-close"></span></a></div></div></div></div></header><div class="flyout-overlay"></div><main class="single-product"><section><div class="container"><div class="row"><div class="col-sm-12 col-md-5 my-5 py-5"><h1 class="mb-4 fw-bold">PRUTerm</h1><p class="lead fw-normal">The handy insurance cover</p></div><div class="col-sm-12 col-md-7 mb-4 g-0"><img src="/assets/images/PRUTerm.jpg" width="100%" class="banner-img"></div></div></div></section><section class="py-k5 pt-4"><div class="py-5"><div class="position-relative"><div class="container"><div class="row"><div class="col-sm-12 col-md-6"><img src="https://source.unsplash.com/4s-D0CAI6UQ/660x700" alt="" width="100%" class="rounded"></div><div class="col-sm-12 col-md-6 mb-3"><h1 class="mb-3 d-block"><span class="fw-bold text-secondary">Product</span> <span class="fw-light">Features</span></h1><p>PRUTerm is a life protection plan meaning your loved ones get to receive a lump sum payout in the event you lose your life, when you get diagnosed with a critical illness or when you suffer a total and permanent disability resulting from an incident between a specified period of time.</p><ul class="card-body ps-0 pe-5 list-desc-two"><li><span>Lump sum amount paid at the end of the policy term ranges from Ksh.1M to Ksh. 80M</span></li><li><span>Minimum eligible age is 18 years and maximum is 60 years</span></li><li><span>Offers you the option to cover your spouse in addition to yourself.</span></li><li><span>You may choose to pay premiums between 5 and 25 years provided the policy ends at the age of 75 years or choose a shorter term of 1 year for business policies.</span></li><li><span>The premium payment frequency for 5 to 25 years term policies can be monthly, quarterly, semi-annually, or annually. Short term policies of 1 year are paid annually.</span></li></ul></div></div></div></div></div></section><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/I3HPUolh5hA/276x201" class="card-img-top" alt="Affordable Cover"><div class="card-body py-3 px-4"><h5 class="card-title text-secondary text-capitalize fs-5">Affordable Cover</h5><p class="card-text fw-light">For individuals/couples or business partners.</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">When purchased as an individual cover.</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/50TkCaP8M3A/276x201" class="card-img-top" alt="Key person protection "><div class="card-body py-3 px-4"><h5 class="card-title text-secondary text-capitalize fs-5">Key person protection</h5><p class="card-text fw-light">Can be assigned to a business for key-person protection or to a lender as loan protection, for cover on death or permanent and total disability.</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/UZFCQPNc4bs/276x201" class="card-img-top" alt="Offset financial strain"><div class="card-body py-3 px-4"><h5 class="card-title text-secondary text-capitalize fs-5">Offset financial strain</h5><p class="card-text fw-light">Provides an option to help offset financial strain in the event of a first-time diagnosis of a critical illness defined in the policy.</p></div></div></div></div></div></div></div></section><section class="py-5"><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="#uniqueness"><div><h5>PRUTerm Uniqueness</h5></div><span class="icon-expand"></span></div><div class="collapse pt-4" id="uniqueness"><p>Here鈥檚 what makes the cover unique:</p><b class="pt-2 d-block">Death benefit</b><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>Your family and beneficiaries will receive the full 100% benefit, a lump sum amount of money, upon your passing on due to natural causes, a diagnosis of a critical illness or due to an accident.</span></li><li><span>If you have added your spouse to the cover, then full benefit will be paid to your family and beneficiaries upon the first passing on of either yourself or your spouse. No benefit will be paid upon the second death.</span></li><li><span>The lump sum payment upon death of the assured will not be paid if there was already a settled claim on total and permanent disability on the cover.</span></li><li><span>The cover will become inactive from settlement of either a death claim or a total and permanent disability, whichever comes first.</span></li></ul><b class="pt-2 d-block">Total Permanent Disability</b><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>You will receive the full 100% benefit, a lump sum amount of money, upon confirmation of permanent and total disability resulting from accident or sickness (subject to the waiting period).</span></li><li><span>If you have added your spouse to the cover, then full benefit will be paid upon the first total and permanent disability.No benefit will be paid upon the second disability.</span></li><li><span>The cover will become inactive from settlement of a total and permanent disability claim, so no benefit will be paid upon death of the assured.</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="#coverDetails"><div><h5>Cover Details</h5></div><span class="icon-expand"></span></div><div class="collapse pt-4" id="coverDetails"><table class="table table-bordered"><thead><tr><th scope="col"></th><th scope="col">PLAN A (Long Term)</th><th scope="col">PLAN B (Short Term)</th></tr></thead><tbody><tr><th scope="row">Age Eligibility</th><td><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>Minimum entry age: 18 years</span></li><li><span>Maximum entry age: 60</span></li><li><span>Maximum maturity age: 75 years</span></li><li><span>Maximum maturity age: 65 years for CI rider</span></li></ul></td><td><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>Minimum entry age: 18 years</span></li><li><span>Maximum entry age: 60</span></li><li><span>Maximum maturity age: 65 years for CI rider</span></li></ul></td></tr><tr><th scope="row">Premium Payment Frequency</th><td><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>Monthly</span></li><li><span>Quarterly</span></li><li><span>Semi-Annual</span></li><li><span>Annual</span></li></ul></td><td><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>Annual</span></li></ul></td></tr><tr><th scope="row">Term</th><td><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>Minimum Term: 5 years</span></li><li><span>Maximum Term: 25 year</span></li></ul></td><td><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><li><span>1-year policy only</span></li></ul></td></tr><tr><th scope="row">Premium</th><td>Constant</td><td>Changes annually at renewal based on age or sum assured</td></tr></tbody></table></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" id="optionalBenefits"><b class="pt-4 d-block">Critical Illness benefit</b><ul class="card-body ps-0 pe-5 list-desc-two pt-2"><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>The Critical Illness benefit is only payable for critical illnesses listed in the policy terms and conditions</span></li><li><span>A critical illness claim that satisfies the listed conditions in the policy, will only be paid if the insured survives a period of fourteen days from the date of diagnosis of the condition</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. The premiums for the basic cover will be waived but premiums for the accidental death benefit must continue to be paid if the option had been selected.</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-4 d-block">Accidental Death benefit</b><ul class="card-body ps-0 pe-5 list-desc-two pt-2"><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>You will receive an additional full 100% benefit, a lump sum amount of money, upon your passing on due to an accident.</span></li><li><span>If you have added your spouse to the cover, then full benefit will be paid upon the first death of either yours or your spouse..No benefit will be paid upon the second death.</span></li><li><span>The cover will become inactive from settlement of a total and permanent disability claim, so no benefit will be paid upon death of the assured.</span></li><li><span>The policy will terminate on payment of a death benefit</span></li><li><span>If the policy has been assigned, the benefit will be paid to the person(s) to whom the policy has been assigned</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="#waitingPeriod"><div><h5>Waiting Period</h5></div><span class="icon-expand"></span></div><div class="collapse pt-4" id="waitingPeriod"><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>Six (6) months for critical illness, death, and total and permanent disability claims arising from natural causes</span></li><li><span>The waiting period will also apply from the reinstatement date of the policy</span></li><li><span>No waiting period for Plan B on renewals made within one (1) month of the expiry of the cover</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="#claimDocumentation"><div><h5>Claim Documentation</h5></div><span class="icon-expand"></span></div><div class="collapse" id="claimDocumentation"><ul class="card-body ps-0 pe-5 pt-3 list-desc-two"><li><span>When the cover is starting or when it is being reinstated.</span></li><li><span>Death and total and permanent disability claims resulting from natural causes or a diagnosis of a critical illness before 6 months will not be paid.</span></li><li><span>For plan B, the short term cover, the waiting period is waived on renewals made within one (1) month of expiry of cover.</span></li><li><span>Only claims arising from accidental causes will be payable during the waiting period.</span></li></ul><b class="pt-4 d-block">Death Claim Documentation</b><ul class="card-body ps-0 pe-5 list-desc-two pt-2"><li><span>A certified copy of the customer鈥檚 ID</span></li><li><span>A duly completed claim form</span></li><li><span>In the case of accidental death: An original or certified copy of the burial permit, death certificate and a police abstract report.</span></li><li><span>In the case of death by illness:</span></li><li><span>An original or certified copy of the burial permit, death certificate and a medical report.</span></li></ul><b class="pt-4 d-block">Total and Permanent Disability Claim Documentation</b><ul class="card-body ps-0 pe-5 list-desc-two pt-2"><li><span>A certified copy of the customer鈥檚 ID</span></li><li><span>A duly completed claim form</span></li><li><span>In the case of disability caused by illness: a medical report is required.</span></li><li><span>In the case of disability caused by an accident: a police abstract report and a medical report are required.</span></li><li><span>All disability claims must be submitted within 180-days of the date the claim event occurs</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>The following is a list of exclusions, meaning, any claim that arises from the occurrences below will not be paid.</p><ul class="card-body ps-0 pe-5 list-desc-two pt-1"><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></li><li><span>Any act committed by the policyholder, the life assured, or beneficiaries that constitute a violation of criminal law.</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></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></li><li><span>Active participation in mountaineering, horse riding, hunting, motor racing, power-boat racing, or fighting (except in self-defence).</span></li><li><span>Participation in any form of aviation other than a scheduled air service over an established passenger route.</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></li><li><span>Critical illness claims arising from conditions not listed in the policy.</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></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="#importantNotes"><div><h5>Important notes</h5></div><span class="icon-expand"></span></div><div class="collapse" id="importantNotes"><ul class="card-body ps-0 pe-5 list-desc-two pt-4"><li><span>Medical underwriting will be required if your chosen lump sum benefit is above Kshs. 5M.</span></li><li><span>Prudential will meet the costs of all medical examinations required for chosen lump sum benefit of above Kshs. 5M.</span></li><li><span>Costs for voluntary medical examinations for chosen lump sum benefit of below Kshs. 5M. will be at the client鈥檚 expense</span></li><li><span>Premiums are based on the age in years at issue and for long term policies, remain level throughout the policy term</span></li><li><span>Premiums for short-term (1-year) policies may vary at the anniversary due to age or changes in the amount of the lump sum benefit.</span></li><li><span>A customer</span></li><li><span>may choose to amend the premium frequency but only at the anniversary of the policy</span></li><li><span>Premiums paid on either quarterly, semi-annual or annual basis attract discounts</span></li><li><span>A policy fee of Kshs. 50 per month is levied on the premium payable. This will amount to Ksh. 150, Ksh. 300 or Ksh. 600 if premiums are paid quarterly, semi-annually or annually respectively.</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-life/" class="card rounded-30 pb-0" data-aos="zoom-in"><img src="/assets/images/PRULife-thumb.jpg" class="card-img-top" alt="PRULife"><div class="card-body pt-4 pb-5 px-4 d-flex flex-column"><h5 class="card-title fw-bold text-capitalize">PRULife</h5><p class="card-text fw-light">This policy provides financial protection to your loved ones in the event of death, critical illness or permanent disability of an individual or of a spouse.</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. 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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 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