Supplementry Benefits

Supplementary benefits are available to enhance the basic policy. The following supplementary benefits can be added with basic policy. 


Double Indemnity Accidental Benefit (DIAB)


If within 90 days from the date of occurrence an insured dies directly from such an accident caused through external, violent and visible in nature then the Company shall pay to the insured the sum assured in addition to the death benefit of the basic policy.

 Permanent Disability and Accidental Benefit (PDAB)

 If within 90 days from the date of occurrence an insured dies or suffered from disablement caused directly by an accident caused through external, violent and visible in nature the Company shall pay any one of the following indemnity to the insured:



Sum Assured

1. Accidental Death


2. Permanent Total Disablement (PTD)

a)       Loss of sight of both eyes


b)       Loss of both hands or both feet at or above the wrist or ankle


c)       Loss of one hand or one foot at or above the wrist or ankle respectively and permeant loss of sight of one eye


3.       Permanent Partial Disablement (PPD)

a)       Loss of one hand or one foot at or above the wrist or ankle respectively or complete loss of sight of one eye


4. Total and Permanent Disability (TPD)

Disablement from engaging in or giving attention to any employment or occupation whether for purposes of business, profession or otherwise.

10% of sum assured is payable over 10 years as annuity payment and waiver of future premium under the policy.

Critical Illness (CI)


Name of Rider

Critical Illness Insurance Benefits Rider


Any individual in good health and is between 18-55 years of age.

Exit age

Maximum age at the end of rider term is 60 years.

Rider Term

Same as that of the base plan or till the attained age 60 of the life insured, whichever is earlier

Pay Mode

Same as base plan

Rider Sum Assured

Maximum BDT. 5,00,000 subject to maximum of 50% sum assured of the base plan

Covered Diseases

1.          Cancer excluding any non-invasive cancer and skin cancers

2.          Heart attack (Myocardial Infarction)

3.          Stroke

4.          Coronary Artery Surgery

5.          Kidney Failure (End Stage Renal Disease)  

6.          Major Organ Transplantation

7.          Paralysis

8.          Multiple Sclerosis

9.          Blindness/Loss of Sight

10.       Heart Valve Replacement,

11.       Surgery of Aorta

12.        Aplastic Anaemia,

13.       Benign Brain Tumor

14.       Chronic Lung Disease/End Stage Lung Disease

15.       Deafness/Loss of Hearing

16.       Major Head Trauma

17.       Loss of Limbs

18.       Loss of Speech.


Claim Payments

In the unfortunate event if the life insured is diagnosed to be suffering from any one of the above 18 critical illnesses, we will pay 50% of the rider sum assured but maximum BDT 5 lac on survival of 30 days following the date of confirmed diagnosis.

Waiting period

180 days.


The Critical illness rider benefits lump sum payment will be made only once under this policy one is diagnosed with or actually undergone surgery for, as the case may be, any of the eighteen critical illnesses listed above.


Pre-existing medical conditions related to Dread Disease are excluded and all other terms according to policy document of base plan. Smokers with a consumption of more than 40 cigarettes per day shall be declined for CI cover.


Policy Document will have precise definitions of the above critical illnesses, and any benefit under this policy would be payable if an illness meets criteria as specified in that definition of the Policy Document.

Video Spotlight

Guardian's Values

Tapan Chowdhury- Square

“The Sponsors of the company, BRAC, Apex and Square are known for good governance and reliable services and we are here to bring a positive change in this industry by sharing our experience”


Syed Manzur Elahi- Apex

“The intellectual skill and the goodwill that the sponsors BRAC, Square and Apex bring is the basis of trust for our valued customers: A promise is a promise and we have always delivered our promise”


Sir Fazle Hasan Abed- BRAC

“BRAC has been successful in taking the service of micro financing to the lower income sector of the country,; we intend to do the same in life insurance through this company in a few years time; life insurance for all would be our motto”