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Let’s keep that smile intact forever: An education plan for your starlet to keep his / her future education miles away from financial hardship.
The best plan for you, your child and your family that includes a splendid admixture of benefits that will secure every stage of child’s growth
Term: 10 – 25 Years
Sum Assured: Any amount of sum assured starting with minimum of BDT 1,00,000
Age of the Child: Minimum 6 months (180 days)
*At Maturity, maximum age can’t be more than 25 years
Age of the Guardian: 20 – 55 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:
 Health Insurance [HI]
 Insurance for Critical illness [CI]
 If the parent / policyholder dies while the plan is in force and prior to the maturity, then the insured child will receive the following benefits:
[a] 15% of the sum assured will be paid to the one-time designated legal guardian
[b] 1% of the sum assured amount will be paid to the legal guardian every month (stipend) till the expiry of the plan.
[c] All future premiums payable will be waived
[d] Upon maturity, the entire sum assured will be paid to the nominated legal guardian with the earned bonus / profits.
 If the child dies while the plan is in force and prior the maturity of the plan, then the parent (policyholder) of the insured child will have the following benefits:
|Plan period at the time of child’s death||Sum Assured|
|Up to 6 months||25% of the Sum Assured|
|More than 6 months but less than 12 months||50% of the Sum Assured|
|More than 12 months but less than 24 months||75% of the Sum Assured|
|More than 24 months||100% of the Sum Assured|
 If both the guardian [parent] and the child survive till the maturity of the insurance plan, the full sum assured along with earned bonus / profit will be paid to the parent / policyholder.
 If the insured child dies during the course of the monthly stipend, then the stipend will be terminated and the full sum assured along with earned bonus / profit will be paid to the nominated legal guardian at maturity of the policy.
 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 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 5 Lac.