Guardia Prestige Shield

Traditional term life insurance solutions for family financial planning.

• Death benefit in the form of sum assured for the Basic Insurance⁽¹⁾ if the insured passes away, with a sum assured booster⁽²⁾ in the form of an additional 100% of the sum assured, taking effect from the beginning of the 10th policy year.

• Additional accidental death benefit equal to 100% of the sum assured.

• Maturity benefit of up to 150% of the total premiums paid (for IDR policies) and 75% of the total premiums paid (for USD policies).


• If the Insured is still alive on the Expiry Date of Insurance⁽³⁾, the Policy will terminate and Allianz will pay the Maturity Benefit to the Policyholder in the form of a percentage of the total Premiums paid (excluding any other premium top-ups paid by the Policyholder or Premium Payer), in accordance with the Insurance Period and Policy currency.

• Flexible premium payment terms of 3, 5, or 10 years, and insurance periods of 20 or 30 years.

• Guaranteed Renewability without medical re-examination.

Premium discounts that offer more affordable premiums with higher protection. 

Notes:

(1) Sum Assured for Basic Insurance as stated in the Policy Data or Endorsement, if any.

(2) Sum Assured Booster is an additional 100% (one hundred percent) of the Sum Assured for Basic Insurance (as stated in the Policy Data), taking effect from the beginning of the 10th Policy year calculated from the Policy Effective Date. This Sum Assured Booster is only payable if the Insured passes away on or after the beginning of the said 10th Policy Year. Information regarding the value of the Sum Assured Booster benefit and Death Benefit is stated in the Policy Data.

(3) Expiry Date of Insurance or Expiry Date of Extended Insurance Period (whichever is applicable to the circumstances) as stated in the Policy Data or Endorsement, if any.