Savings and Investment

PRU Platinum Smart Saver

Live more, worry less and enjoy a future that you deserve.

A wealth management solution that enables you to make a Lump Sum Investment while enjoying Life Protection.

Product Description

This is a flexible savings policy that provides higher returns for higher investment, allows regular withdrawals, provides life cover for the policy holder and rewards loyalty with generous maturity bonus. Start saving today and live a worry-free life.


  • Attractive investment returns
  • Security of funds in a saving plan
  • Comes with Embedded life cover worth K25,000
  • Flexible terms (No admin costs, access to funds during term, no lapse)
  • Withdrawals up to twice-yearly upto 10%, the residual % carries forward and can be used in future years. The surrender charge is waived on these partial withdrawals.
  • Maturity Bonus (1% of fund for each year), if no withdrawal was made.
  • Special interest add-on on higher investments
  Sum of premiums paid less partial withdrawals Monthly bonus rate(as a % of account value)
Bronze 100,000 – 249,999 0.05%
Silver 250,000 – 499,999 0.10%
Gold 500,000 – 999,999 0.15%
Platimun 1,000,000 + 0.20%

Signing Up

What is the minimum premium?

The minimum premium is K50,000.

Can I make top-ups on the investments during the policy term?

Top-ups are allowed at any time. The minimum top-up amount is K50,000.

Do I need medicals in order to qualify for cover?

No medicals are required, but the policy comes with K25,000 Life cover.

Can I pay me premiums in any currency?

All premiums and benefits will be paid in the legal currency of the republic of Zambia (ZMW)

What are the available policy terms?

The minimum policy term is 5 years and the maximum policy term is 20 years.

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