Term of insurance plan: 5 – 52 Years
Sum Assured: Any amount of sum assured starting with minimum of BDT 1,00,000
*At Maturity, age of the policyholder can’t exceed 70 years
Premium Payment Method:
Yearly, Half-yearly, Quarterly and Monthly
Premium Conversion Rate:
- Yearly to Monthly = Yearly Premium X 0.0925
- Yearly to Quarterly = Yearly Premium X 0.275
- 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:
 PDAB: Permanent Disability and Accidental Benefit
 DIAB: Double Indemnity Accidental Benefit
 Health Insurance [HI]
 Insurance for Critical illness [CI]
- The policy applicant must be in good & sound health
- The policy applicant must have own, valid and regular income
 Upon maturity of the insurance plan, the policyholder will get the full survival benefit which is the entire sum assured.
 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.
 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.
 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.
 Income Tax Rebate Benefit: The benefit of income tax rebate on premium paid every year at the applicable rate.
 Hospitalization Benefits: Enjoy hospitalization benefits upto 5 Lac for Yourself and every family member [Spouse & Child] individually.
 Discounts on Hospitals: Enjoy attractive discounts at more than 300 partner Hospitals & Clinical Labs with Guardian Life Card.
 Critical Illness Coverage: 18 Critical Illness Coverage for self upto 10 Lac.