1. You decide how much you would like to save and over how long. The minimum policy term is five years; the maximum is 25 years.
  2. Depending on your savings goal, you choose an affordable amount to save each month, half year or year for the duration of the policy term. This is known as the premium.
  3. Prudential invests the money wisely on your behalf. At the end of the policy term, you will receive your contributions plus investment interest earned over the period, minus administration fees.