Guardian Accumulator

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A Term Insurance Plan with an interest sensitive investment element which matures at age 65.

Purpose: 
To provide funds for retirement and education.
Minimum coverage: 
$500,000
Issue ages: 
The policy may be issued to males and females between the ages of 0 and 55 years.
Rider coverage: 
Accidental Death & Dismemberment, Disability/Parental Waiver of Premium, Critical Illness Rider
Cash value: 
The cash value shall be determined at least once per month. The interest rate applied to the calculation of the cash value will be determined by the Company from time to time. If, at any time, the cash value is less than zero, the policy will automatically terminate.
Death benefit: 

The death benefit payable consists of the sum of: The basic sum assured, and the cash value. If death is by suicide within two years of the date of issue of the policy or within two years of reinstatement of the policy, the death benefit will be limited to the surrender benefit.

Surrender benefit: 
The amount payable is the cash value less a surrender charge.
Maturity benefit: 
A maturity benefit equal to the cash value is payable at age 65.
Non-payment of premiums: 

If a premium is not paid within the grace period of 30 days the policy will be deemed to have been made paid-up or will be surrendered for cash if the value of the Units is insufficient to permit a paid-up policy.

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MedeCus
Guardian Life
Pension

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- January 2012
Leroy Dallas

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