Plan 3: Anticipated Endowment (3 stage payment) Insurance plan (with profit)


The cost of living is increasing exponentially, and therefore, there is no alternative to savings. In order to inculcate this habit of savings in the minds of people of every social class, Guardian life Insurance Limited has launched the money builder plan/ the 3 stage anticipated endowment plan. The policyholder receives the full sum assured in three installments. The installment sum within the duration of the term could be used for profitable ventures as well as to implement plans for education, marriage and other necessities of children of the policyholders. If a policyholder dies within the duration of the term after receiving one or two installment claims, the full sum assured and accrued bonuses is provided to his/her nominee(s). The terms of this plan are 12, 15, 18, 21 and 24 years and the maximum age limit to receive claims is – years.



The policyholder will receive

•     25% of the basic sum assured at the end of one-third of the policy term

•     25% of the basic sum assured at the end of two-third of the policy term

•     50% of the basic sum assured together with accrued bonuses on maturity at the end of the policy term

•     The policyholder will attain Surrender Value if the policy is enforced for two years.

•     A policyholder can receive the benefit of Double indemnity accident Benefit (DIAB) and Permanent Disability and Accidental Benefit (PDAB) under this plan.

•     There is income tax rebate available on the premium in this policy, and the money received from the insurance claim is also income tax free.


Terms and Conditions:

•     The minimum age of a policyholder has to be 18/20 years and the maximum age is 53 years.

•     There are no rebates available on the rates listed in this plan.

•     There are no premium rebates available for a large sum policy.

•     Premiums are taken yearly, but premiums can also be given in a quarterly and half yearly basis 

•     Half yearly premium installments: annual premium x 0.525

•     Quarterly premium installments:  annual premium x 0.275


Video Spotlight

Guardian's Values

Tapan Chowdhury- Square

“The Sponsors of the company, BRAC, Apex and Square are known for good governance and reliable services and we are here to bring a positive change in this industry by sharing our experience”


Syed Manzur Elahi- Apex

“The intellectual skill and the goodwill that the sponsors BRAC, Square and Apex bring is the basis of trust for our valued customers: A promise is a promise and we have always delivered our promise”


Sir Fazle Hasan Abed- BRAC

“BRAC has been successful in taking the service of micro financing to the lower income sector of the country,; we intend to do the same in life insurance through this company in a few years time; life insurance for all would be our motto”