The Guardian Angel plan is a non-medical 20-year premium paying plan. The minimum coverage is $500,000 and the maximum coverage is $10,000,000. The policy may be issued to males and females between the ages of 18 and 64 years. Individuals aged 65 – 70 years can only be covered under the $500,000 option.

Ambulance Benefit

The amount payable will be the current maximum per life, per accident (the current maximum is J$3,000.00) if as a result of an accident you are transported in an ambulance to a hospital and were confined and charged for at least one day.

Death Benefit

The death benefit payable is graduated as follows: Age of Policy & Death Benefit Payable

• Up to the first 12 months - A return of premiums paid

• 13 - 24 months - 50% of the Basic Sum Assured

• After 24 months - 100% of the Basic Sum Assured

Notwithstanding the above, if death is by accident, 100% of the then Basic Sum Assured is payable.

Payment of Premiums

The Guardian Angel Plan will require premium payments for only 20 years. The coverage will remain for life. Should the policy be surrendered after 20 years, the value will be 50% of the coverage at that time.

Non-payment of premiums

A period of thirty days commencing on the premium due date is allowed for payment of any premium. If the premium is not paid within the period, the policy will lapse.