The Guardian Life Full Century is a whole life plan which provides an easy and convenient way of accumulating a fund for expenses at death. Its purpose is to provide a fund for estate planning needs, family protection and business insurance. The minimum coverage is $250,000 and the maximum coverage $35,000,000. The policy may be issued to males and females between the ages of 1 and 75 years. The maximum basic sum assured that will be issued under the normal procedure is $35,000,000 for issue ages 1 to 65 inclusive, and $15,000,000 for issue ages greater than 65.

The policy features rider coverage:

• Accidental Death & Dismemberment

• Disability/Parental Waiver of Premium

• New Life Plus

Death Benefit

The death benefit payable is the basic sum assured plus sum assured purchased by bonus in force at the time of death, less the balance of any policy loan and outstanding premiums.

Surrender Benefit

The entire policy may be surrendered for the surrender value of the bonus in force plus the basic surrender value, less the balance of any policy loan and outstanding premiums.

Payment of Premiums

A level premium is payable prior to the policy anniversary where the life assured is 100 years of age on their next birthday at which point the policy matures.

Expiration

The policy matures for the death benefit at the policy anniversary, where the life assured is 100 years of age on their next birthday.