As a representative of Pru (Prudential) we offer an innovative insurance and saving solution on the Polish market.

PEWNY KAPITAŁ life insurance – a combination of protection of accumulated capital and life insurance in one simple product – from the first day after entering into the insurance agreement, your loved ones are entitled to an insurance benefit in case of your death.


Check the product benefits:

Security of your capital:

  • guarantee of reimbursement of paid premiums – if you decide before concluding the agreement to take up the option of a guarantee for reimbursement of paid premiums, you can be confident that at the end of the insurance term specified in the agreement, you will receive an amount not lower than the total amount of all the premiums paid during the term,
  • guaranteed payment amount in the event of resignation from the agreement – if circumstances force you to resign from the insurance before the end of the term of the agreement, Prudential guarantees to pay you back an amount not lower than that specified in your policy,
  • annual bonuses – all the annual bonuses granted will be paid out in the case of survival until the end of the agreement term, or in the event of the death of the insured person. If you resign from the agreement, Prudential will pay part of the amount of annual bonuses granted until then as specified in the policy,
  • responsible strategy for allocating funds and possible bonuses – Prudential works to increase the amount you will receive at the end of the agreement term by investing at least 70% of the premiums  in bonds of the Polish State Treasury or other bonds issued by highly reliable entities. The remaining amount will be invested in other financial instruments.  As a result, you have the opportunity to receive annual bonuses, as well as a final bonus, which will increase the amount to be paid at the end of the agreement term.

Legal and tax benefits*:

  • the amount you will receive at the end of the agreement term will not be reduced by capital income tax,
  • in the event of the death of the insured, the benefit of the agreement will not be subject to  inheritance and gift tax,
  • you may assign the right to your money as you wish, without being restricted by the order set out in the laws of  inheritance.

Combination of insurance coverage and saving:

  • for the entire agreement term, Prudential guarantees to you insurance coverage and, at the end of the agreement term – the guaranteed sum insured as specified when entering into the agreement.


*The above legal and tax advantages are based on tax laws being in force as at 1st February 2019.