Premier 2
Georgia exemplifies the saying our hero, the late Marcus Mosiah Garvey :
"The height of great men reached and kept was not attained by sudden flight, but they while their companion slept was toiling upward through the night.”
Guardian Care Plus
Guardian Care Plus is a critical illness, non-medical plan which pays a lump sum benefit on the first diagnosis of Cancer, Stroke, Major Burns, Heart Attack, Blindness, Coma, Paralysis, Multiple Sclerosis, Deafness or Loss of Speech.
Maximum coverage:
$60,000
Minimum coverage:
$30,000 Issue ages:
The policy may be issued to males and females, ages 18 to 60 years nearest birthday.
Exceptions:
No benefits are payable on diagnosis of a critical illness if it were caused by or resulted from any ‘pre-existing condition
A pre-existing condition is either:
1. The existence of symptoms which could cause an ordinary prudent person to seek diagnosis, care or treatment before the policy was in force or before the end of the elimination period;
or
2. A condition for which medical advice or treatment was recommended before the policy was in force or before the end of the elimination period.
Elimination period:
This is a period of 180 days after:
Commencement of the policy as shown in the policy schedule, or in the case where the policy has been reinstated, the date of revival.
If the first diagnosis is made or death occurs during the elimination period, only premiums will be refunded.
Grace period:
The grace period is 30 days after a renewal premium is due. Your policy will lapse if your premium is not paid within the grace period.
Cash value:
The policy has no cash value or bonus.
Ambulance benefit:
Guardian Life will pay the current maximum payable per life, (the current maximum is BZ$150.00) if as a result of the first diagnosis of the Life Insured with any of the 10 named illness the Life Insured was transported in an ambulance to a hospital.
Death benefit:
If death occurs as a result of the first diagnosis of any critical illness covered under this plan while the policy is in force, and no claim relating to the cause of death had previously been made, then the sum assured less any indebtedness will be paid. Otherwise, the amount payable on the death of the Life Insured while the policy is in force is a sum equal to the total of all premiums paid as at the date of death, less any indebtedness.
Premium refund benefit:
At the expiry date, if there was no claim paid, all premiums paid will be refunded and the policy will terminate.
Expiration:
Expiry date is the policy anniversary upon which the Life Insured attains age 75 or the 20th policy anniversary, whichever is later.
Termination:
The plan will terminate:
· The death of the Life Insured
· Upon the payment of a claim, or
· At expiry date
whichever occurs first.
Reinstatement:
The policy may be revived once within 120 days from the due date of the first unpaid premium. Upon approval for revival, the date on which the policy is revived will be deemed as the date of revival. A new elimination period would then be calculated from the date of revival.
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Agent of the Month
- March 2012
Georgia Williams