Guardian Universal Life

An equity linked policy, this means that the benefits payable are denominated in units and not in monetary terms.

Purpose: 
To provide a fund for protection, retirement, estate planning, business insurance and education.
Issue ages: 
The policy may be issued to males and females between the ages of 1 and 75 years.
Rider coverage: 
Accidental Death & Dismemberment, Disability/Parental Waiver of Premium, New Life Plus
Death benefit: 

The death benefit payable is equal to the sum of:- The basic sum insured in effect at the time of death; andThe value of the units allocated to the policy. If death is by suicide within two years of the date of issue of the policy the death benefit will be limited to the value of the units allocated to the policy.

Surrender benefit: 
The amount payable is equal to the value of the units allocated to the policy less a surrender charge.
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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- 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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