PRU EduSmart

PRU EduSmart is a life insurance plan which provides a child education protection plus supplementary savings, so you can plan to accumulate wealth for meeting your goal. What makes PRU EduSmart offer special is that in the event of death of the life assured during the policy term, 100% of the Sum Assured will be paid, followed by annual income till a year before majority to ensure that the child’s education needs are always met. In addition to this, the policy will continue without the requirement to pay premiums and the maturity benefit will ultimately be paid.


Prudential Life Assurance (Lao) Company Limited is a professional financial advisor that will assist you in deciding on the best financial solution, suit to your family’s financial needs.


The Benefits


  1. The Guaranteed maturity benefit at the end of the policy term for 8-year, 10-year, 12-year, and 15-year policy term is 205%, 205%, 210%, and 230% of the sum assured.


  1. Upon death or Total and Permanent Disability (TPD) of the life assured, the first Sum Assured of 100% will be payable immediately. In addition, an annual income (equal to 30% of the Sum Assured under this policy) will be paid out to the beneficiary starting from the first anniversary of the death of the Life Assured and ending on the penultimate year before the maturity of the policy. Besides, the guaranteed maturity benefit is payable at maturity.


*Please refer to the full details of the policy terms and conditions.


Premium Payment Term Options


Large Sum Assured Discount for Sum Assured greater than or equal to LAK 70,000,000.


Maturity Benefit Based on the policy term regardless whether an insurance claim has been made before.


Flexible Premium Payment Frequency.

Product detail

PRU EduSmart Product Information

Policy Term

8 years

10 years

12 years

15 years

Age (last birthday) at Entry

18 – 50

18 – 50

18 – 48

18 – 45

Maturity Benefit (% of all premiums paid)





Death or Totally Permanent Disability

Sample: 15 years policy term in case died in year 3.


  • Sum assured ( LAK 100,000,000) for non-accident or (LAK 200,000,000) for accident.
  • Annual income equals to 30% of the sum assured (30% x LAK 100,000,000 = 30,000,000) from year 4 until year 14. Total LAK 330,000,000
  • Maturity benefit is paid equal to 230% of the sum assured at maturity (230%xLAK100,000,000 = LAK 230,000,000
Premium Payment Mode

 Annual/Semi-annual: Non Cash/Cash; Monthly – Non Cash (Standing Order);

Large Sum Assured Discount

3.0% of total premiums for Sum Assured higher than or equal to LAK 70,000,000

Surrender Benefit

From 3rd year onwards

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