THE INSTANT WAY TO SET YOUR MIND AT EASE
The Guardian Instant Coverage Plan means instant peace of mind. If you are between 18 and 75 years old, Guardian Instant Coverage offers a solution to a problem which everyone faces – funeral expenses.

With Guardian Instant Coverage you know that your funeral expenses will never be anyone’s burden

With Guardian Instant Coverage you can take care of last expenses of someone near and dear

With Guardian Instant Coverage you can make a valued contribution to your church, school or favorite charity.

ALL YOU NEED TO DO IS
Fill out our simple application form
Send in your premiums

THAT’S ALL IT TAKES!
No medical required
Instant coverage with first premium

Once you have our Instant Coverage Plan you have nothing to worry about – right from day one, should you die accidentally, we guarantee to pay the full sum assured.

Of course, with this plan, you can still receive insurance regardless of the state of your health. What’s more, once you have it, you’re covered until age 100 or earlier death.

DEFINITION
A non-medical whole life policy which takes care of last expenses. Instant coverage is provided on the payment of the first premium. Right from day one, should you die accidentally, the Company guarantees to pay the full Sum Assured.

PURPOSE OF PLAN
To provide a fund for final expenses.

MINIMUM COVERAGE
The policy provides for a minimum coverage of BZ$10,000.00.

MAXIMUM COVERAGE
The policy provides for a maximum coverage of:-
BZ$20,000.00 (ages 18 – 64)
BZ$10,000.00 (ages 65 – 75)

ISSUE AGES
The policy may be issued to males and females between the ages of 18 and 75 years inclusive. The plan is issued on an ‘age next’ basis.

PAYMENT OF PREMIUMS
Premiums remain fixed
No premiums payable after 20 years, however, full coverage continues.

SURRENDER BENEFIT
The policy may be surrendered for its cash surrender value less any premiums in arrears at the end of the twentieth (20th) policy year or any year thereafter but before the Life Assureds’ 100th birthday.

The cash surrender value will be one-half the basic Sum Assured.

DEATH BENEFIT
The amount payable will be the full Sum Assured on accidental death from day one.
However, if the insured person dies from other causes (that is, other than accident) before the policy is 2 years old, or if the policy has been redated, benefits offered, based on original issue date, or otherwise the new issue date, are as follows:

First 12 months Refund of all premiums
13 – 18 months 50% of sum insured
19 – 24 months 75% of sum insured
Over 24 months 100% of sum insured