Guardian Instant Coverage

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A non-medical whole life policy which takes care of last expenses.

Purpose: 
To provide a fund for final expenses.
Maximum coverage: 
$500,000
Minimum coverage: 
$100,000
Issue ages: 
The policy may be issued to males and females between the ages of 18 and 76 years. The policy provides for a maximum coverage of $500,000.00 (ages 18 – 64) and $250,000.00 (ages 65 – 76).
Death benefit: 

Instant coverage is provided on the payment of the first premium.The amount payable is the full sum assured on accidental death from day one.If the insured person dies from other causes (that is, other than accident) before the policy is 2 years old based on original issue date or, new commencement date if the policy has been redated, the benefits offered are as follows: Age of Policy Death Benefit

  • First 12 months  - Refund of all premiums
  • 13 – 18 months  - 50% of Sum Assured
  • 19 – 24 months  - 75% of Sum Assured
  • Over 24 months  - 100% of Sum Assured

Surrender benefit: 
The amount payable is the cash value less any premium in arrears at the end of the 20th policy year, or any year thereafter, but before the life insured’s 100th birthday. The cash surrender value will be one-half the basic sum assured.

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MedeCus
Guardian Life
Pension

Agent of the Month
- January 2012
Leroy Dallas

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Leroy Dallas has risen to the top because he consistently interfaces with his clients to prepare them for life’s financial challenges and opportunities.

This Life Guardian has earned the confidence of his clients, who trust him with what matters most to them… their lives.

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