How It Works

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How It Works

A simple process designed to give you peace of mind.
From policy assessment to premium takeover, here's what you can expect when working with Guardian Legacy.

Choose premium relief

You decide that you would like Guardian Legacy to take over your life policy premiums.

* You retain 20% of your cover for the first 4 years, and 10% thereafter without paying any premiums.

Submit your policy

To see if you qualify, submit your policy via our WhatsApp channel [HERE].

You will need to give Guardian Legacy Consent to retrieve your policy for review from your Insurer.

Approval and agreement

Once your policy is approved, we will share the documents for signature via our WhatsApp channel.

*Commercial Agreement

*Broker Appointment

*Cession

Immediate savings

Once the cession is registered, Guardian Legacy takes over your premiums and you no longer have to pay them. The full process usually takes around 2 to 3 weeks, depending on the insurer.

Policy payout

Upon the death of the life insured, Guardian Legacy pays out your retained cover once the claim has been received from the insurer.