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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

GoldDeath and Total Permanent Disability (TPD)
DiamondDeath, Total Permanent Disability (TPD) and Critical illness



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.