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Guardian Life Insurance

Experience your own dedicated insurance specialist with the expertise to support your financial future.

Guardian Life Insurance

Experience your own dedicated insurance specialist with the expertise to support your financial future.

What is Life Insurance?

Life insurance is a contract in which a policyholder pays regular premiums in exchange for a lump-sum death benefit paid to the policyholder’s beneficiaries. The lump-sum benefit is paid when the policyholder either passes away or a specific amount of time has passed. Life insurance policies can provide financial security by replacing lost income and covering expenses.

If you’re looking for a life insurance policy, we’ve got you covered. The Ria Murray Payne Team has got you covered with affordable life insurance options to meet your family’s needs. Get a life insurance quote online or call us at (868)307-5001 to get the assurance of knowing your loved ones will be protected.

Insurance with a great range of cover

How much does Life Insurance cost?

The cost of life insurance varies based on your specific situation. This takes into account many things such as your medical history to your hobbies. For more information about life insurance quotes we have the answers to your life insurance questions.

How much life insurance do I need?

Determining how much insurance you need is not as hard as you may think. By answering just a few questions and doing some simple math, you can quickly estimate your life insurance needs and see how affordable a policy can be.

What do you need to start a life insurance quote?

Specific information regarding medical conditions, Income level and occupation. General medical information you may be asked about are height, weight, blood pressure, and cholesterol levels

Home insurance with a great range of cover

Liberator or Liberator Plus

Liberator and Liberator Plus is life insurance that covers beyond age 65 so there are options to ages 75, 85 or 100 years as well. It provides payment of the sum assured upon death.

The option to select coverage to 75, 8 5or 100

Coverage from a minimum of $100

You can increase your coverage at anytime

Security as your premiums are invested in Guardian Life's Life Star funds

Business continuation and key executive protection coverage for business owners.

The Flexiterm Series

Flexi-term is one of the most cost effective life insurance policy available. It pays the sum you selected if your death occurs during the period specified in policy.

Low Cost

9 Plans Available

Several options can be added to plan

Conversion option

Renewability option

Waiver of Premium option

Accidental death benefit option

Econolife

Econolife is designed to protect what you value most, for your entire lifetime. Econolife covers your loved ones, business and your home in the event that something unexpected happens.

Between ages 0-69

Covers until 100th birthday

Can be paid monthly, quarterly or annually

Minimum amount can be insured $150,000

Accidental death and permanent disablement

Waiver of Premium- Total Disability

Disability Income Benefit

Liberator or Liberator Plus

Liberator and Liberator Plus is life insurance that covers beyond age 65 so there are options to ages 75, 85 or 100 years as well. It provides payment of the sum assured upon death.

The option to select coverage to 75, 8 5or 100

Coverage from a minimum of $100

You can increase your coverage at anytime

Cash surrender value

Security as your premiums are invested in Guardian Life's Life Star funds

Business continuation and key executive protection coverage for business owners.

The Flexiterm Series

Flexi-term is one of the most cost effective life insurance policy available. It pays the sum you selected if your death occurs during the period specified in policy.

Low Cost

9 Plans Available

Several options can be added to plan

Conversion option

Renewability option

Waiver of Premium option

Accidental death benefit option

Econolife

Econolife is designed to protect what you value most, for your entire lifetime. Econolife covers your loved ones, business and your home in the event that something unexpected happens.

Between ages 0-69

Covers until 100th birthday

Can be paid monthly, quarterly or annually

Minimum amount can be insured $150,000

Accidental death and permanent disablement

Waiver of Premium- Total Disability

Disability Income Benefit

Need more information?

What is the best life insurance policy for me?

As everyone’s situation is different, you’ll need to make your own choice as to which product works best for you. Do you need more specific information? You can give us a call at 1-868-307-5001 to see what may work best for you.

When is the best time to buy life insurance?

The younger you are, the lower your term life insurance rates will be. The older you get, the higher your premiums will be. If you’re recently married or plan to start a family, to make sure your family will be financially secure if you were to die unexpectedly

Why do you need life Insurance?

Life insurance helps you plan ahead and provide long-term financial security for your family when they would need it most. You can’t put a dollar amount on your loved ones, but you  can help ensure their future is protected.

Take a moment to see who we are

We believe in being open and transparent in who we are. It’s more than just words to us, it’s our way of life.

Insurance with Guardian Life

Home Insurance

Guardian Life home insurance is more than quality coverage for your space its coverage for your assets. Get home insurance built to protect your home.

Medical Insurance

At Guardian Life we’re all about supporting better health. Better health for individuals, couples and families. Find health insurance that’s right for you

Life Insurance

Guardian life insurance means providing  your family with financial assistance if you pass away. Get a  hassle free life insurance quote today.

FAQs

The monthly and annual premium of each person will differ because it depends on their
financial needs, their health and life style status and their ability to pay.

Life insurance (The moment you sign up to $500,000 automatic coverage) Critical illness
insurance – coverage is paid after 3months.

If a client withholds information during the application process, the claim can be denied due
to NON-DISCLOSURE.

Smoking and Illicit drug use

Your policy would still be enforced. Premiums not paid for three (3) months, then have a 30day grace period before lapsing.

If the plan is NOT a term policy, it will accumulate cash values after three years or one year depending on the type of policy you have.

You will still have coverage as long as you continue paying for it.

A change of beneficiary form needs to be done.

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