LifeGuardiansPH
Secure Your Future
Discover our comprehensive life insurance services and ensure financial security for your loved ones.
Life Insurance Services
Choose from a range of life insurance services designed to provide financial security and peace of mind.
Term Life Insurance
A type of life insurance that provides coverage for a specific period (e.g., 10, 20, or 30 years). If the nsured person passes away during the term, their beneficiaries receive a death benefit. It has no cash value and is generally the most affordable option.
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Best for:
Temporary coverage, budget-conscious individuals, income replacement for dependents.
Whole Life Insurance
A permanent life insurance policy that lasts for the insured's entire lifetime (as long as premiums are paid). It includes a cash value component that grows over time and can be borrowed against. Premiums are fixed and typically higher than term life insurance.
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Best for:
Long-term coverage, wealth building, estate planning.
Universal Life Insurance
A flexible form of permanent life insurance that combines a death benefit with a cash value component that earns interest. Policyholders can
adjust their premiums and death benefits within certain limits, offering more financial flexibility than whole life insurance.
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Best for:
Those who want lifelong coverage with flexibility in payments and potential investment growth.
General Insurance Services
Explore our comprehensive range of non-life insurance solutions, designed to protect what matters most and give you financial security and peace of mind
Term Life Insurance
A type of life insurance that provides coverage for a specific period (e.g., 10, 20, or 30 years). If the nsured person passes away during the term, their beneficiaries receive a death benefit. It has no cash value and is generally the most affordable option.
✅
Best for:
Temporary coverage, budget-conscious individuals, income replacement for dependents.
Whole Life Insurance
A permanent life insurance policy that lasts for the insured's entire lifetime (as long as premiums are paid). It includes a cash value component that grows over time and can be borrowed against. Premiums are fixed and typically higher than term life insurance.
✅
Best for:
Long-term coverage, wealth building, estate planning.
Universal Life Insurance
A flexible form of permanent life insurance that combines a death benefit with a cash value component that earns interest. Policyholders can
adjust their premiums and death benefits within certain limits, offering more financial flexibility than whole life insurance.
✅
Best for:
Those who want lifelong coverage with flexibility in payments and potential investment growth.
What Our Clients say!
Read what our clients have to say
"LifeGuardiansPH has provided me with the peace of mind knowing that my family will be taken care of financially in the event of my passing."
Rene Morado
"I've been a customer of LifeGuardiansPH for several years now and have always been impressed with their competitive rates and reliable coverage."
Mark Santos
"LifeGuardiansPH is the best life insurance provider I've come across. They truly care about their customers and go above and beyond to meet their needs."
Sheena Lim
"LifeGuardiansPH has exceeded my expectations in every way. I am extremely satisfied with their services."
Anna Tan
FAQs
Find answers to commonly asked questions about life insurance and LifeGuardiansPH's offerings.
What is life insurance?
Life insurance is a contract between an individual and an insurance company, where the individual pays regular premiums in exchange for a lump sum payment to their beneficiaries upon their death.
Who needs life insurance?
Anyone who has dependents or financial obligations should consider life insurance. It provides financial protection and peace of mind to your loved ones in the event of your death.
How much life insurance do I need?
There's 4 rules of thumb.
1. For Life Insurance, it should be 10 times your annual income.
2. For Income Protection, it should be 5 times your annual income.
3. For Retirement, insurance should be 20% your annual income.
4. For your child's education, about 5% your annual income.
It's best to consult with a financial advisor to determine the right coverage for your specific needs.
What are the types of life insurance?
There are different types of life insurance, including term life insurance, whole life insurance, and universal life insurance. Each type has its own features and benefits, so it's important to understand them before making a decision.
How do I apply for life insurance?
To apply for life insurance, you can contact an insurance agent or visit our website to get a free assessment and start the application process. It typically involves providing personal and medical information, and may require a medical exam. You may request free assessment in this page or contact us before making a decision.
Discover the Power of Insure
Protecting Your Future with Comprehensive Life Insurance Solutions
LifeGuardiansPH provides reliable life insurance solutions to safeguard your loved ones' financial security. Learn more today.
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