Guardian Shomriddhi

Guardian Shomriddhi

Lower premium; higher protection
Choose the term & payment option of your desire
Pay less & get most out of your policy
A term plan that is just like endowment Insurance

The simplest Insurance plan that allows you to cut out all the frills and maximize your Insurance Coverage at the most affordable premiums.

The easy savings plan focuses on your convenience with comparatively lower premium rates and a pre-defined maturity value.

Get both Insurance & Guaranteed Savings at the least possible premiums for the coverage amount.

Term of insurance plan: 5 – 52 Years

Sum Assured: Any amount of sum assured starting with minimum of BDT 1,00,000

Age: 18-65 years (At Maturity, age of the policyholder can’t exceed 70 years)

Premium Payment Method: Yearly, Half-yearly, Quarterly and Monthly

Premium Conversion Rate:

  1. Yearly to Monthly = Yearly Premium X 0.0925
  2. Yearly to Quarterly = Yearly Premium X 0.275
  3. Yearly to Half Yearly = Yearly Premium X 0.525

Supplementary Insurance Facilities:

This plan allows you to avail any or multiple of the following supplementary insurance facilities:

  1. PDAB: Permanent Disability and Accidental Benefit
  2. DIAB: Double Indemnity Accidental Benefit
  3. Health Insurance (HI)
  4. Insurance for Critical illness (CI)


  • The policy applicant must be in good & sound health
  • The policy applicant must have own, valid and regular income

Plan Benefits:

  1. Upon maturity of the insurance plan, the policyholder will get the full survival benefit which is the entire sum assured.
  2. If the policyholder dies while the plan is in force before the expiry of the insurance plan, then the policyholder’s nominee will be paid the full sum assured.
  3. The policy achieves paid-up status after paying at least 2 (two) years of premium, after that the policy may be converted to a reduced Sum Assured upon request of the policyholder.
  4. Surrender Value and Loan Benefit: Upon payment of at least 2 (two) years of premium, a policy achieves Surrender Value. There is option for Policyholder to avail Policy Loan up to a maximum of 90% of the Surrender Value.
  5. Income Tax Rebate Benefit: The benefit of income tax rebate on premium paid every year at the applicable rate.
  6. Hospitalization Benefits: Enjoy hospitalization benefits upto 5 Lac for Yourself and every family member (Spouse & Child) individually.
  7. Discounts on Hospitals: Enjoy attractive discounts at more than 300 partner Hospitals & Clinical Labs with Guardian Life Card.
  8. Critical Illness Coverage: 18 Critical Illness Coverage for self upto 10 Lac.

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