When creating a mortgage proposal at Guardian Group, your personal situation and preferences take center stage. Moreover, your mortgage is structured in a way that, after meeting your obligations, you still have sufficient funds available to lead your desired lifestyle. A mortgage with Guardian Group is structured as follows: Mortgage interest rates as low as 5% (Curacao, St. Maarten) and 5.25% (Aruba, Bonaire) 5 years fixed interest rates Limit on loan servicing: 33% of gross income Maximum loan term: 35 years  Fast approval process One-stop-shop for your mortage insurance needs Which Mortgage Suits Me Best? Guardian Group offers two types of mortgages: the annuity mortgage and the endowment mortgage. The difference lies in how the loan is repaid. We recommend seeking advice from our experts to determine which mortgage structure suits you best. Schedule an in-person or virtual appointment now

What is the FlexiTerm series? FlexiTerm series is one of the most cost effective term life insurance policies available. It pays the sum you selected if your death occurs during the period specified in the policy. How can I use the FlexiTerm series? FlexiTerm series is a useful risk management vehicle. Use it for, Business planning Keyman insurance Collateral coverage Mortgage protection Education continuance Why does the FlexiTerm series cost so little? FlexiTerm series has been designed to deliver maximum protection at minimal cost because you are covered for a specified period; you get the lowest rate possible. What are my options? You choose from 5 plans: Term to age 65, 75, 85 or 10 to 20 year term. Conversion option Your needs my change. If they do, you can convert your FlexiTerm series plan to a permanent life plan with the same coverage. Renewability option This applies to the 5-year FlexiTerm series Plan only. It means that you anytime within 3 months prior to the expiry of the policy. Waiver of premium option This is of real benefit to you. If you are disabled and unable to work at your existing job, we will waive the premiums due on your policy for the first 24 months of such disablement. Accidental Death Benefit option If you die as a result of an accidente, your beneficiary will get an additional payment which cannot be more than the amount you're already insured for. Do you want for information? Please feel free and contact us.

Taking out a mortgage is an important step in life. It’s not just a financial and emotional decision; it’s the beginning of a new chapter. It’s an opportunity to create a place you can call home, where you can make memories and shape your future. For young professionals, entrepreneurs, and property investors, it’s often the first step toward building a stable foundation for the future.    The Right Moment for Your New Journey  When is the right time to take out a mortgage? The answer lies in how you feel at this stage of your life. Perhaps you feel ready to create your own space. A home where your family can grow, or an investment that lays the groundwork for your future. The right moment comes when you feel prepared to take control of your future.    Taking out a mortgage is not just a business decision; it’s a personal choice that shapes your future. It’s the step you take to turn your dreams into reality, to find a place where you can stay, and to build the future you envision.    More Than a House: Starting Your Future  A mortgage is more than just buying a house. It’s about finding a place where you can build your life. A place where you gather with family, where you can be yourself, and where you can shape your future. It’s the foundation on which you can build further, whether for your family or your professional ambitions.    For property investors and entrepreneurs, a mortgage also opens the door to new opportunities, both in the Netherlands and abroad. Markets like Belgium, Germany, Canada, and the U.S. offer exciting possibilities to expand your portfolio and achieve your business goals. It’s a chance to look beyond the horizon and invest in a future that’s larger than you ever imagined.    A Solid Foundation for the Future A mortgage gives you more than just a house. It provides a solid foundation to realize your dreams. Whether you’re buying a home for your family or making an investment for your business, it’s the first step toward a life where you feel secure, supported, and ready for the future. It gives you the freedom to keep building, both in the Netherlands and internationally.    Additionally, Guardian Group Expert is at your service for the Dutch Caribbean islands of Aruba, Curaçao, and St. Maarten. Whether you’re looking to purchase a home, considering an investment, or exploring business opportunities in the region, Guardian Group Expert is ready to assist you in navigating the possibilities and finding the right mortgage solution. With our expertise in these local markets, we can advise and guide you in making well-informed choices that align with your goals and future plans.

We are pleased to inform you about our latest enhancement for auto insurance: an optional coverage for damage caused uninsured motorists. A Guardian Group new product What does this additional coverage entail? Coverage for damage caused by uninsured motorists Coverage up to ANG.15,000.00 / U $ 8,400.00 per insurance year No deductible The client pays a fixed premium This additional coverage is available for new customers and also for all excisting clientes with a Third Party Liability or Third Party Liability Plus motor insurance. Acceptance criteria: Available for ABC islands Only for vehicles 10 years and younger Please feel free to contact us for more information or continue with our online services. [ DUTCH VERSION ] Get a free quote Book an appointment E-mail

Owning a home is a significant milestone and a long-term investment. To protect what matters most to you, having adequate home insurance coverage is crucial. Here are four tips to ensure that your home is adequately covered: Evaluate Your Property's Value: Before securing a homeowner’s insurance policy, accurately assess the value of your property. Consider the full cost of rebuilding your home and replacing its contents in the event of a loss. This is an important step to avoid either over-insuring or under-insuring your property. Understand Coverage Options: Home insurance isn't a one-size-fits-all solution. Have a conversation with your insurer to explore the different coverage options available. In fact, it’s quite simple! Structural coverage protects your home's physical structure, whilst contents coverage safeguards your personal effects. Understanding these options will help you tailor your policy according to your specific needs. Regularly Update Your Policy: As your life evolves, so does your property. Perhaps you have undertaken some renovations or even purchased new furnishings to upgrade your residence. Your home insurance policy should reflect the same. As time progresses, regularly review and update your coverage to reflect any structural changes, also noting the acquisition of any high-valued items within your home. This ensures that your policy remains aligned with your current needs. Purchase insurance from a financially stable insurer: Yes, insurance rates can vary from provider to provider. However, you want to make sure that you purchase coverage from a reputable insurer that is financially sound to settle your claim promptly in the event of a loss. Insurance is an investment, so it’s important to find the right balance between affordability and comprehensive coverage. Remember, home insurance is not only about protecting your property; it's about safeguarding the life you've built within its walls. Use these tips to make informed decisions to ensure that your home and contents are adequately protected. Source: Guardian Group

𝗛𝗼𝗺𝗲𝗚𝘂𝗮𝗿𝗱 | 𝗥𝗲𝗰𝗲𝗶𝘃𝗲 𝗮 𝗳𝗿𝗲𝗲 𝗴𝗶𝗳𝘁 𝘃𝗼𝘂𝗰𝗵𝗲𝗿 𝘁.𝘃.𝗼. 𝗔𝗪𝗚./𝗫𝗖𝗚. 𝟱𝟬,- 𝗼𝗿 𝗨𝗦𝗗. 𝟯𝟬,- (𝗕𝗼𝗻𝗮𝗶𝗿𝗲) From small fixes to big moves, make your house feel like home. Mother’s Day reminds us how important it is to feel safe, secure, and at ease at home. With HomeGuard, you choose flexible coverage for your home, your belongings, or both, giving you the confidence to enjoy every moment. Whether you’re renovating, moving, or starting fresh, HomeGuard moves with you, bringing financial security and peace of mind to every step. Get your HomeGuard insurance online this May and receive a gift voucher. It’s our Mother’s Day gift for you. Terms & Conditions – Monthly Insurance Deals Each month, Guardian Group offers a special promotion on one of our insurance products. The specific deal for each month will be announced at the start of the promotional period. Please review the general terms and conditions below to understand how our monthly deals apply to MotorGuard, TravelGuard, and HomeGuard insurance policies. General Terms & Conditions The monthly deal applies only to new insurance policies within the specified product category. Renewal policies do not qualify for the promotion. The policy must be approved, purchased, and at least partially paid within the timeframe of the month (starting on the first day and ending on the last day of the month). All standard policy conditions apply. The insurance company reserves the right to amend these terms and conditions at its discretion at any time during the promotional period. MotorGuard Monthly Deal Applicable to new Motor Insurance, Motor 50+ Insurance, and Motorcycle Insurance policies. Only valid for Casco/All-Risk Coverage and WA+ Coverage. Not applicable to renewal policies. TravelGuard Monthly Deal Applicable only to Short-Term Travel Insurance policies. Not valid for Multi-Trip Travel Insurance. Includes an upgrade from “Premium” to “Deluxe” for the policyholder and all insured members on the policy. HomeGuard Monthly Deal Applicable to Home Insurance, Contents Insurance, and Home Insurance Bundle policies. Limited to one (1) promotion per policy per product. The total premium for the home insurance policy must exceed ANG 1,000. For further inquiries regarding our monthly promotions, please contact our customer support team. The specific deal for each month will be communicated through our official channels.

The end of the year is a time to reflect on what we have achieved together and to look ahead to new opportunities. We would like to thank you for the trust you have placed in us. It is a privilege to assist you with insurance , pensions , and mortgages and to work together to protect what matters most to you.   2024 has brought us all challenges and opportunities. Perhaps you’ve taken an important step, such as buying a house, starting a business, or securing your pension. Whatever your situation, we hope it has been a good year for you. As we look forward to 2025, we wonder: what are your plans? Perhaps you dream of a new home, building financial security, or achieving another personal or professional milestone. Whatever your goals may be, we are here to support you with expert advice and tailored solutions.   We understand that everyone has unique needs and dreams, no matter where in the world you live. That’s why we remain committed to guiding you as effectively as possible, wherever you are.   Would you like to stay informed with tips and news? Follow us on social media, where we share useful information to help you make the right decisions. We wish you and your family a wonderful holiday season and a healthy, successful 2025. We look forward to working with you again in the new year, building a future full of security and confidence together.   Kind regards, Ronald Domacassé

Liability insurance is an insurance policy that protects the insured against the risk of liability. With a few exceptions, liability insurance usually pays for all personal injury and property damage caused by the insured. Type of insurances The liability insurance can be taken out by a private individual as well as by a company or independent professional. Individuals can insure themselves with liability insurance for individuals (AVP). The AVP is an insurance policy that insures the insured and her family against the risk of liability. A company or independent professional can take out liability insurance for companies and professions (AVB). An AVB insures the company or the independent professional against the risk of liability. The premium strongly depends on the type of company (a hospital will pay a much higher premium than a university) and on the turnover of the company. Source: Wikipedia Do you want more information, please feel free and contact us or follow link below for online quotes. Individual: Curacao | Bonaire Busisness: Curacao | Bonaire

Insurance tips for landlords. If you are considering renting out a house or apartment, it's important to be aware of the risks associated with this venture. Fortunately, there are several insurances that can help protect your investment and provide peace of mind. In this blog, we will discuss the recommended insurances for renting out a property, such as building and contents insurance with loss of rent coverage , liability insurance, and life insurance. Building and Contents Insurance A building insurance policy covers damages to the structure of the building itself, while a contents insurance policy covers damages to the contents of the property. When renting out a house, it is essential to have these insurances in place. Rent Loss Rent loss encompasses the reduction of rental income, often due to damage to the leased property such as fire or storm. As the owner of a residential or commercial property, you face the risk of rent loss when the building sustains significant damage that renders it unrentable. This leads to a shortfall in earnings that you would otherwise have gained from the rental. Liability Insurance As a homeowner, you are protected in case you are held liable for damage to others' property, injuries, or damages caused by you, your business, or your employees while conducting activities related to the rental property. This insurance is particularly important for short-term rentals, such as vacation rentals. Life Insurance Life insurance may not be the first thing that comes to mind when renting out a property, but it can be a smart investment. With life insurance, you can build a reserve using rental income. This reserve can be used for future investments or other financial goals. After the predetermined period and insured capital, you can receive the payout, giving you more opportunities to realize your plans. It is advisable to seek advice from an insurance professional to explore the right life insurance options that suit your individual needs and objectives. Whether you are renting out a property for the short term or long term, it is crucial to have the right insurances in place. A combination of building and contents insurance with business interruption coverage, liability insurance, and life insurance can provide peace of mind and protect your financial interests. By being proactive and taking necessary precautions, you can confidently rent out houses or apartments and enjoy the benefits it brings.

It’s tempting to think that home contents insurance is unnecessary, especially if you’ve taken precautions. However, even with the best preparation, unexpected events can still occur. Even if your home is well-secured, there are forms of damage that you cannot control. That's why it’s important to always have home contents insurance. Why Home Contents Insurance is Important Taking out home contents insurance is crucial because it protects you against unexpected damage to your belongings, such as from fire, theft, or water damage. Even with strong locks or fire prevention measures, accidents can happen beyond your control. A fire could destroy your furniture, or valuable items might be stolen in a burglary. With home contents insurance, you are covered against these risks. The insurance reimburses the cost of stolen or damaged items, so you don’t have to bear these high expenses yourself.   Who Needs Home Contents Insurance? Home contents insurance is essential for everyone, whether you're a homeowner, tenant, or landlord. For homeowners, it remains important even after the mortgage is paid off, as it protects them from unexpected damage to their property. Tenants often assume their belongings are covered by their landlord's insurance, but this is not the case. Landlords can also benefit, especially if they want to protect their own belongings in a rental property from damage or loss.   When Should You Pay Extra Attention? There are several times during the year when it's especially important to be cautious. This is particularly true during holidays when you’re away for an extended period, or during festive seasons when you’re visiting family or friends. Burglars often target homes that appear unoccupied or where it’s clear no one is home. It’s not just burglars that pose a threat extreme weather conditions, like severe storms or floods, can also cause sudden damage. Taking out home contents insurance is a smart decision to protect yourself from unexpected costs.   Unsure of the value of your belongings? Download our handy inventory checklist to easily calculate their worth. You can also schedule a personal consultation to help us find the best insurance policy for you. Or use our online services to get an instant quote and take out your home contents insurance. >> Download enventory checklist >> Get instant quote and take out insurance