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Protection of your business interests and against interruptions in the event of damage. Business You take risks every day as an entrepreneur. Many of these are manageable and are part of the daily routine. However, there are also risks that you would rather limit, due to the extensive consequences. For this we offer you, on behalf of Guardian Group Fatum, attractive insurance packages. This way you can focus on your business operations without worry. Liability During work, situations may arise in which you or one of your employees causes damage to third parties. This can have major consequences for the continuity of your company. Therefore, take out liability insurance for a comfortable working environment in which you and your employees feel safe. Fire The consequences of a fire often go far beyond the material damage caused by the fire on the spot. Consequential damage is also our concern. In addition to material damage to the office, inventory and storage, you can also insure loss of income with our comprehensive fire insurance. Construction and building work The construction or renovation of your business premises involves risks. Material defects, construction and workmanship errors and the financial consequences of material damage are just some of these risks that you would rather not worry about. All persons and companies involved in the construction are also at risk. We are happy to help you with construction insurance for construction works. Motor vehicles With one or more cars in your fleet, be it sales representatives visiting customers or drivers delivering goods, you want to be sure that you and / or your employees remain mobile. With our motor insurance your cars are covered in the way you want. Transport A must for companies dealing with goods transport. If your income is (partly) dependent on goods that are being transported, transport insurance is indispensable. With tailor-made transport insurance, you are assured of the right cover and you never pay too much. Corporate Benefit Plan As an entrepreneur you can also put together a customized package. Guardian Group Fatum's so-called 'Corporate Benefit Plan' is a collective package with all the aforementioned insurance products. It gives you as an entrepreneur a better insight into the consequences of risks and the associated costs, specifically for your company. With attractive and advantageous discounts, there are many more benefits that the Guardian Group Fatum Corporate Benefit Plan brings.

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Guardian Group pension insurance is a savings plan for life. You design your own pension plan. A pension plan that meets your needs, and provides an extra income to enjoy a comfortable retirement. Remember the sooner you start, the more you can save towards your retirement. So it makes sense not to wait too long. A number of options are available for structuring your pension plan. Pension insurance with Guardian Group is always flexible, and can be tailored to your individual situation. For example, you can opt to build up a fixed, lifelong pension for your retirement. In this case, you decide your future pension at the start of the pension plan. Guardian Group will then work out how much money you need to save, every month. Or, you can start building your pension capital on the basis of how much money you can set aside now. At the retirement date, you can use the capital you have saved to purchase a lifelong pension. In this case, Guardian Group will calculate your pension benefit on the basis of the capital you have saved. This form of pension building is known as a defined contribution (DC) plan and has become popular in recent years. Did you already save your retirement in the past? If you wish, we can transfer previously earned pension rights to your new pension plan. Death benefit If you are married, or if you have a registered partner and /or children, it is important to make sure they are not left empty-handed should you die before the pension date. A surviving dependents and/or orphans pension can be included as part of your pension plan. Occupational disability If you become fully disabled for work, you will not be able to perform paid work, and likely lose your job. To assure that your pension plan continues, you can include a provision in your pension plan that covers you for exemption of premium payments if you become disabled for work. Guardian Group will then pick up the tab and pay the premiums until your pension date. That way, you have the assurance of protecting your life savings until the day you retire. Disability benefits In addition, you can include a disability pension in your pension plan. This is a supplementary insurance that secures you of a fixed income from the day you are permanently disabled, until the pension date. Pension insurance – something for me? Pension insurance is for everyone who believes they will need an extra income to supplement the government old age pension (AOV). Specifically, this group includes people who are in paid employment, but are not enrolled in a pension plan via their employer. A pension plan can be seen as a savings plan that lets you save for your retirement on very attractive terms. The advantage of a pension plan, as opposed to putting money in the bank, is that your pension premiums are (partly) tax deductible. In other words, you’re not only getting a good rate of return and a chance to earn a profit share; you also get a tax break. And that’s something your bank account can’t match! Do you want to know everything about pension insurance? Contact us for more information. >> Pension insurance via employer >> Pension for business owners

Are you an entrepreneur? Protect your business against commercial and financial risks with our business insurance solutions. Business insurance You take risks every day as an entrepreneur. Many of these are manageable and are part of the daily routine. However, there are also risks that you would rather limit, due to the extensive consequences. For this we offer you, on behalf of Guardian Group Fatum, attractive insurance packages. This way you can focus on your business operations without worry. Liability Insurance During work, situations may arise in which you or one of your employees causes damage to third parties. This can have major consequences for the continuity of your company. Therefore, take out liability insurance for a comfortable working environment in which you and your employees feel safe. Fire Insurance The consequences of a fire often go far beyond the material damage caused by the fire on the spot. Consequential damage is also our concern. In addition to material damage to the office, inventory and storage, you can also insure loss of income with our comprehensive fire insurance. Construction All Risk (CAR) Insurance The construction or renovation of your business premises involves risks. Material defects, construction and workmanship errors and the financial consequences of material damage are just some of these risks that you would rather not worry about. All persons and companies involved in the construction are also at risk. We are happy to help you with construction insurance for construction works. Motor Vehicles Insurance With one or more cars in your fleet, be it sales representatives visiting customers or drivers delivering goods, you want to be sure that you and / or your employees remain mobile. With our motor insurance your cars are covered in the way you want. Transport Insurance A must for companies dealing with goods transport. If your income is (partly) dependent on goods that are being transported, transport insurance is indispensable. With tailor-made transport insurance, you are assured of the right cover and you never pay too much. Corporate Benefit Plan As an entrepreneur you can also put together a customized package. Guardian Group Fatum's so-called 'Corporate Benefit Plan' is a collective package with all the aforementioned insurance products. It gives you as an entrepreneur a better insight into the consequences of risks and the associated costs, specifically for your company. With attractive and advantageous discounts, there are many more benefits that the Guardian Group Fatum Corporate Benefit Plan brings.

Calculate and purchase (Curacao, Bonaire, Aruba, St. Maarten) insurance online in 3 minutes. Fast, easy, practical and secure ... Easily purchase your insurance online Would you like to purchase your insurance online? It’s quick and easy! Simply choose your preferred location below and click the button to get insured for: Aruba, Bonaire, Curaçao, or St. Maarten. Manage everything in just a few clicks, whenever it suits you. Please note: not all insurance options are available online. If you cannot find the coverage you’re looking for, feel free to contact us for personalized assistance. ARUBA BONAIRE CURACAO ST. MAARTEN Insured according to your situation When taking out an insurance, there are several options. First of all it is important to determine exactly what you want to be insured for. Many insurance policies have various options in terms of coverage, thus it is crucial to determine which insurance best suits your personal situation. Personal contact Fortunately you are not alone in this. Ronald Domacasse is your Guardian Group Expert and is happy to help you. As your personal advisor he will help you make the right choices regarding taking out insurance. With his years of experience he is capable of not only helping you take out the insurance, but also adjusting the insurance if your situation has changed or if you want to file a claim. Accessible and reliable Your personal Guardian Group Expert is always there for you and easily accessible in case you need help. This can be offline but also online. There are various options by telephone to schedule an appointment and to be advised. It is even possible to take out insurance online with your Guardian Expert. Quick, easy and reliable!

Found your dream home in Curaçao, Bonaire, Aruba, or St. Maarten? Get expert mortgage solutions—fast, reliable, and hassle-free. Mortgage Advice for Curacao, Aruba and St. Maarten Are you looking for expert mortgage advice for Curacao, Aruba or St. Maarten? Ronald Domacassé, an experienced mortgage advisor, offers professional guidance in finding the best mortgage option tailored to your unique situation. At Guardian Group, you’ll receive mortgage solutions customized to your needs and lifestyle. Keep reading to learn more about the mortgages we offer, including the annuity mortgage and life mortgage. Why Choose a Mortgage with Guardian Group? At Guardian Group, your personal situation and preferences are our priority. When creating a mortgage proposal, we ensure that your solution fits your needs, allowing you to meet your obligations while maintaining your desired lifestyle. We offer the following benefits: Financing up to 100% of the purchase price Limitations on loan repayment: Maximum of 33% of your gross income Maximum loan term: 35 years Interest rates from 5.00% for Curacao and St. Maarten, and from 5.25% for Aruba Want to know which mortgage is best for you? Contact Ronald Domacassé for personalized advice tailored to your situation in Curacao or Aruba. Which Mortgage is Right for Me? With an annuity mortgage, you pay a fixed monthly amount, which consists of both interest and principal repayment. Over the term of the mortgage, the interest portion decreases while the principal repayment increases. This means that you’ll have fully repaid your mortgage by the end of the loan term. Benefits of the Annuity Mortgage: Monthly payments remain fixed during the interest rate period. You have the certainty of fully repaying the loan by the end of the term. You will pay less interest over time and pay down more of the principal. Life Mortgage: Who is it Suitable For? The life mortgage is particularly appealing to individuals or families with higher incomes. Instead of repaying the loan principal over the term of the mortgage, you only pay interest. This allows you to maintain maximum tax deductions for the entire term. Benefits of the Life Mortgage: Monthly payments remain fixed during the interest rate period. You retain maximum tax deductions throughout the term. The full mortgage balance is paid off at the end of the term using a life insurance policy. This mortgage type is ideal for high-income earners who want to make the most of tax advantages. Ronald Domacassé can help determine if the life mortgage is the right fit for you. Mortgage Advice for Curacao, Aruba and St. Maarten by Ronald Domacassé As a mortgage advisor for Curacao, Aruba, or St. Maarten, I understand the local market conditions and can help guide you through the mortgage process. Whether you’re purchasing your first home or restructuring your existing mortgage, I’m here to assist. With years of experience in the Caribbean region, I provide advice that is specifically tailored to the needs of homeowners and prospective buyers in Curacao and Aruba. My personal approach ensures that you get a mortgage that is financially viable and in line with your lifestyle. Contact Ronald Domacassé for Personalized Mortgage Advice Do you have questions about which mortgage is right for you, or want to learn more about the options available in Curacao, Aruba or St. Maarten? Contact me today for a free, personalized consultation. If you're looking for a mortgage that suits your financial situation and future plans, I am the right person to guide you!

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Home is where the hearth is, and so much more. With Guardian Group's home insurances, it's doesn't matter whether you are a homeowner or a renter we've got you covered. Choose from different products for financial protection for damages to everthing in and outside of your home. Residential building The Guardian Group Home Insurance has very extensive coverage. This cover includes: Damage due to fire and any extinguishing activities Property damage from rain or flood Costs as a result of water pipe damage and costs of detecting the defect Damage from overvoltage/induction and lightning strike Costs for necessary replacement of locks after a break-in or attempted break-in Salvage costs (costs incurred by the insured, during or after a covered event, to prevent further damage) above the sum insured Accident coverage and death risk Free liability insurance for individuals Please note: a home insurance policy does not automatically include your household effects. Guardian Group has the household contents insurance for this. Do you want to know exactly what is covered or do you want a tailor-made policy? please contact us for more information. Household effects The Guardian Group home contents insurance covers your belongings in and around your home against the financial consequences of theft and damage due to, among other things: Fire and any related extinguishing activities Water loss due to damage to the water supply Theft Guardian Group also covers salvage costs, among other things. These are costs above the insured sum that the insured incurs during or after a covered event to prevent further damage. Do you want to know exactly what's covered, a quotation or need assistant? Please feel free and contact us for more information. Select the island where you want to insure: Aruba | Bonaire | Curacao | St. Maarten

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Life insurance Work, home, family: Organizing our lives is a full time occupation! And much of it depends on a regular income. But what if that income suddenly stops, either by natural cause or other circumstance. Could you and/or your loved ones continue to support your standard of living? And what about your children’s future - say, if they want to go to college? None of us like to worry too much about the future. At Guardian Group, we’ve made it our mission to look ahead, with you. What’s insured? A life insurance policy pays out a fixed sum when you die. This can be the amount you owe to a lender, for example, the mortgage on your house, or a car loan. You can also take out life cover if you own a business, to protect you from financial hardship in the event of an untimely death. Often, life insurance is taken out for the purpose of meeting the cost of the funeral. Want to know exactly what’s covered under a life insurance policy, or would like to receive an offer for personalized Life Cover? Which cover suits me? Life cover is available in a number of different forms, providing solutions for individual needs. To decide which cover suits you best and which form to choose, carefully consider your circumstances and the reason(s) why you’re thinking of taking life cover. Period of insurance A life insurance policy with Guardian Group can be entered into for life. The insured sum is paid out when you die. You can, however, also opt for term life. This form of life insurance pays out an insured benefit if you die before the policy maturity date. Insured sum You yourself determine the sum to be paid out when you die. This amount may stay the same, or may reduce over the term of the policy. Additional risk cover There are numerous examples of situations where paying the premium for your life insurance policy might be difficult. Disability for work, or unexpectedly losing your job, are some of the most common reasons. Make sure to get sound advice about your options. Saving Which additional cover should I consider? Over the course of your life insurance policy, there may be times when you might find it difficult- or even impossible- to pay the premium, even for a certain period of time. An illness, perhaps long term, or disability for work come to mind. This is why Guardian Group enables you to take out additional cover, just so you won’t ever have to worry about meeting premium payments. Ask about our additional insurance products when you’re considering an insured savings plan [savings insurance policy]. We’ll gladly explain the options that are available to meet your individual needs and wishes. Premium waiver with occupational disability People become disabled for work, from one day to the next, - whether for a short time or longer- for any number of reasons. Depending on the extent of the disability, Guardian Group can take over your premium payment, either partly or fully, until your recover, or until policy maturity. For a small extra premium, you won’t have to worry about meeting premium payments if you become disabled for work. Permanent disability pension If you become permanently disabled, Guardian Group can provide a periodic income. A provision can be included in your savings policy that provides for this benefit. The amount of the premium will depend, among other things, on the pension you wish to receive in the event of a permanent invalidity. This form of cover is often opted for by business owners who do not have a separate occupational disability policy. Additional accident insurance To insure the risk of death due to an accident, additional cover is available that provides for a second, separate lump sum. The additional payment is effected, immediately upon the insured’s death. Caretaker’s clause If a parent or carer pays into a savings plan on behalf of a child, if the parent or carer dies, Guardian Group is able to take over the responsibility for the premium payments. The Caretaker’s Clause is an option if you wish to be certain of your child financial future, no matter what happens.

Ronald Domacassé is an Insurance and Mortgage Advisor with over 25 years of experience, providing expert guidance on insurance, pension solutions, and mortgage financing across the Dutch Caribbean. About me My name is Ronald Domacassé. Since 1999, I have been active in the insurance industry, building extensive experience in insurance, mortgage financing, and financial services. Since 2008, I have been affiliated with Guardian Group, where I assist individuals and businesses across Aruba, Bonaire, Curaçao, and St. Maarten. My expertise includes property and casualty insurance, health insurance, pension solutions, and mortgage financing. I help clients protect what matters most, manage financial risks, and achieve their personal and business goals through tailored solutions and professional guidance. Throughout my career, I have supported families, professionals, entrepreneurs, and companies in making important financial decisions. My approach is based on professionalism, integrity, personal attention, and a commitment to delivering practical and effective solutions. In addition to my advisory role, I conduct presentations and contribute to initiatives within the financial services sector. I am also involved in projects that promote financial awareness, long-term security, and sustainable growth. My goal is simple: to provide clients with trusted advice, personalized guidance, and financial solutions that help them make informed decisions with confidence and peace of mind.

Protection of your business interests and against interruptions in the event of damage. Business You take risks every day as an entrepreneur. Many of these are manageable and are part of the daily routine. However, there are also risks that you would rather limit, due to the extensive consequences. For this we offer you, on behalf of Guardian Group Fatum, attractive insurance packages. This way you can focus on your business operations without worry. Liability During work, situations may arise in which you or one of your employees causes damage to third parties. This can have major consequences for the continuity of your company. Therefore, take out liability insurance for a comfortable working environment in which you and your employees feel safe. Fire The consequences of a fire often go far beyond the material damage caused by the fire on the spot. Consequential damage is also our concern. In addition to material damage to the office, inventory and storage, you can also insure loss of income with our comprehensive fire insurance. Construction and building work The construction or renovation of your business premises involves risks. Material defects, construction and workmanship errors and the financial consequences of material damage are just some of these risks that you would rather not worry about. All persons and companies involved in the construction are also at risk. We are happy to help you with construction insurance for construction works. Motor vehicles With one or more cars in your fleet, be it sales representatives visiting customers or drivers delivering goods, you want to be sure that you and / or your employees remain mobile. With our motor insurance your cars are covered in the way you want. Transport A must for companies dealing with goods transport. If your income is (partly) dependent on goods that are being transported, transport insurance is indispensable. With tailor-made transport insurance, you are assured of the right cover and you never pay too much. Corporate Benefit Plan As an entrepreneur you can also put together a customized package. Guardian Group Fatum's so-called 'Corporate Benefit Plan' is a collective package with all the aforementioned insurance products. It gives you as an entrepreneur a better insight into the consequences of risks and the associated costs, specifically for your company. With attractive and advantageous discounts, there are many more benefits that the Guardian Group Fatum Corporate Benefit Plan brings.

Guardian Group provides excellent travel insurance coverage. You can take out your own online or contact us for advice. We mediate for Guardian Group Caribbean Netherlands (Curacao, Bonaire, Aruba and St. Maarten). Multi-Trip Travel Insurance Do you travel more often or go away for weekends? A Mediterranean cruise, Disney World with the kids, admiring Kilimanjaro, skiing in Canada or just an unexpected weekend to a neighboring island, it's all on your list. Search for a hotel, find out online what to do during the holiday in the country of destination. Delicious those preparations! You would prefer not to be busy arranging your travel insurance every time. With the continuous travel insurance you are insured all year round! Ideally, you don't have to think about it anymore. Put together a travel package that best suits your situation! The continuous travel insurance is easy to put together and adapt to your situation! This includes being able to co-insure your partner and / or children, expanding it with additional cover, etc. Coverages in your travel insurance You are insured as standard for several trips per year with a maximum duration of 90 consecutive days per trip. The additional cover for travel cancellation also applies to all your trips throughout the year. And in case of an emergency, you can call our emergency number anywhere in the world, day and night. You have standard coverage for: Lost or damaged travel luggage Medical costs in case of accidents or acute illness during your holiday SOS Costs (Necessary travel and accommodation costs in the event of illness / accident / death) You can easily co-insure your partner and children Additional Coverages Extend the maximum duration of each trip to 180 days Winter and underwater sports Accidents: payment in the event of permanent disability or death Air ambulance Travel cancellation all year round The advantages at a glance Plan your trip with pleasure without having to worry about insurance: you are insured all year round Your partner is co-insured all year round from 40 guilders extra per year and for every 4 children you only pay 20 guilders per year. Winter and underwater sports co-insured for only 50 guilders per year Worldwide coverage You save time and money Travel interruption insured as standard Emergency assistance abroad via an emergency number You only have to take out travel insurance once and you can travel unlimited throughout the year Easily expandable with additional cover such as Accident, Air Ambulance, Winter Sports, Continuous Trip Cancellation. You can take out travel insurance online or you can contact us and we help you. Select the island where you want to insure: Aruba | Bonaire | Curacao | St. Maarten