Guardia Income Assurance

Peace of mind with inheritance preparation and guaranteed financial protection for the future.

• The Death Benefit will be paid to the Beneficiary in the amount of 102% of the total Premiums paid if the Insured dies during Policy Year 1 and Policy Year 2, or 120% of the total Premiums paid if the Insured dies during Policy Year 3 through Policy Year 5, or the Sum Insured if the Insured dies during Policy Year 6 and beyond during the Insurance Period.

• The Accidental Death Benefit will be paid to the Beneficiary in addition to the Death Benefit, equal to one time the Death Benefit amount the Beneficiary is entitled to receive as stated in the Policy.

• The Guaranteed Annual Cash Benefit will be paid to the Policyholder at the end of each Policy Year, starting from the end of Policy Year 1 to the end of Policy Year 9, in the amount of 8% of the total Premiums paid during the Policy Year ("Annual Premium Amount").

• The End-of-Contract Benefit to be paid to the Policyholder is 110% of the total premium paid.

• Short Insurance Period of 10 years with a Premium Payment Period of 5 years.

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• Policy application with a health declaration but without a medical examination, with a maximum Sum Insured of up to IDR 3,000,000,000.