Prudential Life Assurance Products and Branches in Kenya

This is a list of products offered by Prudential Life Assurance and its branches in Kenya. It is one of the 56 licensed insurance companies in Kenya by the Insurance Regulatory Authority. The company is a subsidiary of Prudential Plc, a multinational life insurance and financial services company headquartered in Asia. It first set its foot in Kenya in 1930. In 2014, it relaunched its operations in Kenya after the acquisition of Shield Assurance.

Prudential Life Assurance Products

1. Pru Dahari-Dumu

This is a lasting savings and protection plan. It combines the benefits of savings and life assurance and allows the insured to take a premium holiday after six months of paying premiums should the need arise. The policy helps you to achieve your goal and give you peace of mind that whatever happens, your investment will be secure.

2. Pru Select

This plan allows you to accumulate funds to help you achieve your goals whilst protecting you and your family against the worst that life can throw at you. The policy is designed to help you achieve those goals that are an absolute “must”, like your child’s education. It has guaranteed cash pay-outs to help your family get back on track and ensure your child’s education would not be compromised.

How the policy works.

  • You decide the total savings that you need and the number of years you want to save for.
  • You select how many cash pay-outs you want to receive. These cash pay-outs are paid during the last policy years.
  • Prudential calculates the regular amount to be saved – you can choose to pay monthly, or – to receive a discount – quarterly, semi-annually or annually.
  • Prudential carefully invests your savings to guarantee that you receive your target amount.
  • You also benefit from a share in the investment profits via bonuses, giving you additional returns on top of your target amount.
  • Depending on the cash pay-out plan you selected, during the final seven years of the policy you receive annual payments that increase each year.
  • At the end of the policy term, you receive the final lump sum plus bonuses.


  • Guaranteed achievement of your savings target – with increasing annual payments in the last seven years of the policy if more than one cash pay-out plan is selected.
  • Annual investment bonuses to share the investment profits (made at the insurer’s discretion)
  • In case of death, Prudential will pay 100% of the insured amount to a beneficiary of your choice. We will then continue to pay your monthly payments and pay all the original benefits to your beneficiary on your behalf.
  • In case of accidental death, Prudential will pay 200% of the insured amount to your beneficiary. We will then continue to pay your monthly payments and pay all the original benefits to your beneficiary on your behalf.
  • If the cover is selected, on the diagnosis of a specified critical illness, Prudential will pay 50% of the insured amount, and then also continue to pay your remaining monthly payments and pay all the original benefits to you or your beneficiary when they become due.
  • If the cover is selected, should you become permanently disabled due to an accident or illness, Prudential will continue to pay your remaining monthly payments and pay all the original benefits to you or your beneficiary when they become due.

3. PruMemorial Family Cover 

This cover gives you and your family the support required to address the financial burden of losing a family member.


  • Funeral benefit
  • Accidental death benefit
  • Accidental disability benefit
  • Claims paid within 48 hours
  • Loyalty benefits – 50% of the annual premium paid back every 5 years


This is a protection plan giving you protection in the event of death, critical illness or total and permanent disability for the whole of your life. 


  • It offers you the option to cover your spouse in addition to yourself.
  • It helps create an immediate estate for your dependents, helping your family maintain their lifestyle without having to sell land or property.
  • It helps you and your family offset the financial strain of critical illness in the event that you or your spouse are diagnosed with a critical illness defined in the policy.
  • It provides an option to double the cover for accidental death or disability.
  • It offers attractive bonuses throughout the lifetime of the policy.
  • It offers flexible premium payment terms, allowing you to finish paying premiums within a shorter period.
  • No medical examination is required for sums assured of up to KES 5 million.
  • It offers Insurance tax relief of 15% of the premium, up to a maximum of KES 60,000 annually.

Corporate and Sacco Solutions

1. Group Life Assurance Scheme

This cover is usually taken out by an employer/organisation on the lives of their employees/members as a group. The benefit is payable on the death of the employee/member from either accidental or natural causes.

If an employee/member contracts a critical illness for the first time, 30% of the accepted group life sum assured subject to the stipulated maximum will be payable. The conditions covered are Heart Attack, Cancer, Stroke, Kidney Failure, Coronary Artery Bypass Surgery, Major Organ Transplant and Paraplegia.

  • Permanent Total Disability Cover

This benefit is payable where an employee/member becomes totally and permanently disabled or incapacitated whilst in the service of the employer / a member of the Group.

WIBA Compliant Group Life Assurance Scheme

This is a policy designed in compliance with the WIBA Act of 2007 to cover employees against accidental loss of life or disability arising out of a work-related accident.

2. Group Last Expense (Funeral) Cover

It covers the life of a person whilst being a member of a formal group. Benefits are paid to the nominated beneficiary within 48 hours on receipt of claim documentation. The sum assured ranges between Kshs. 50,000 to Kshs. 500,000/- per member. It’s ideal for organisations that do not need a comprehensive Group Life package.
3.Credit Life Insurance
This policy is designed for institutions that provide clients with finance or credit, credit life insurance is designed to pay off the balance of a loan in the event of the borrower’s death.
List of Prudential Life Assurance Branches in Kenya
1. Prudential Life Assurance Head Office
Location: Ground Floor, Vienna Court, State House Crescent, off State House Road.
Contact: 0719 075000
2. Prudential Life Assurance CBD Branch
Location: Nairobi CBD, Prudential Life Assurance Building, 1st Floor, Wabera street.
Contact : 020 271 2591/2
3. Prudential Life Assurance Mombasa Branch

Location: Ground Floor, Old Cannon Towers, Moi Avenue
Contact: 020 2712591
4. Prudential Life Assurance Kisumu  Branch
Location: Wing A, Alpha House, Oginga Odinga Street
Contact: 020 2712591
5. Prudential Life Assurance Eldoret Branch
Location: 1st Floor, Imperial Court, Waiganjo Street off Uganda Road
Contact :020 2712591
6. Prudential Life Assurance Nakuru  Branch
Location: Ground Floor, Room 28, Giddo Plaza
Contacts : +2542030092 , +2542030092
Victor Matara

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