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Be part of our Guardian Life community

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

Guardian Insurance made personal

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

Local Business Specialist

Competitive products

Over 20 years of experience combined

About Ria Murray Payne

Our team at Guardian Life has a combined experience of almost 20 years . Since then we have educated business owners and families to have a safe and secure future by aligning with one of our well trained insurance agents. We aim to not just sell insurance but to build relationships, we now protect over 500 families, vehicles and businesses across Trinidad & Tobago. 

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 simple and hassle free life insurance quote today.

Motor Insurance

Give your vehicle the treatment it deserves. Guardian Life motor insurance can protect you and your vehicle when your out on the open road.

Opportunity Saver

Whether you’re new to investing or an expert, our agents can help you with your investment journey by giving you the tools and opportunities you need.

Commercial Insurance

Financial advice can help ensure you are on the right part with your business, working with an agent can give you the confidence and peace of mind that your business future is secure. 

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 simple and hassle free life insurance quote today.

Car Insurance

Give your vehicle the treatment it deserves. Guardian Life motor insurance can protect you and your vehicle when your out on the open road.

Opportunity Saver

Whether you’re new to investing or an expert, our agents can help you with your investment journey by giving you the tools and opportunities you need.

Commercial Insurance

Financial advice can help ensure you are on the right part with your business, working with an agent can give you the confidence and peace of mind that your business future is secure.

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.

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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Need something more tailored? Talk to a business specialist

Need something more tailored? Talk to a business specialist