Get your insurance in 3 minutes. The Guardian Group portal is fast, easy, convenient and reliable... 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!

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.

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. Car Insurance Drive with peace of mind Accidents can happen when you least expect them. With car insurance from Guardian Group, you are well protected against unexpected events on the road. Whether you choose the legally required Third-Party Liability (TPL) coverage or comprehensive insurance, you can drive with confidence. Choose the car insurance that suits you Third-Party Liability (TPL) Third-Party Liability insurance is legally required and covers damage you cause with your vehicle to other people or third-party property. TPL Plus Suitable for cars that are too old for comprehensive coverage but require more protection than TPL alone. In addition to TPL coverage, you are covered for events such as theft or attempted theft, fire and explosion. Roadside assistance is also included. TPL + Comprehensive (All Risk) The most extensive coverage. In addition to everything covered under TPL and TPL Plus, you are also insured against damage to your own vehicle, for example as a result of a collision, storm, vandalism, theft, fire or explosion. Roadside assistance is also included. Additional benefits New Value Protection For cars up to 3 years old, Guardian Group offers an attractive New Value Protection benefit. If your car is declared a total loss, you will receive the new value of your vehicle. With comprehensive insurance, you also benefit from: No deductible for covered comprehensive claims. Protection of your no-claim discount if you are hit by an uninsured driver or involved in a hit-and-run accident. Personal Accident Insurance for Occupants (PAO) An accident can cause more than just damage to your vehicle. With Personal Accident Insurance for Occupants, the driver and passengers are insured, up to the insured amount, in the event of permanent disability or death resulting from a traffic accident. Special benefits for drivers aged 50+ Are you 50 or older? You can benefit from attractive car insurance with additional advantages, including: Comprehensive coverage at a competitive premium. Faster accumulation of your no-claim discount when driving claim-free. No-claim protection when you have built up a high discount. No deductible for comprehensive claims. Roadside assistance. Motorcycle Insurance Guardian Group also provides insurance for two-wheelers and other special vehicles. We insure, among others: Motor scooters Motorcycles Trikes Quads Contact Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication .

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. Pension Insurance Build your income for the future, starting today. A pension insurance plan allows you to build additional retirement income step by step, tailored to your personal situation, needs, and financial possibilities. Individual or Group Pension Whether you are an employee, self-employed, business owner, or employer, there are different ways to plan for your retirement. With an individual pension plan, you can build additional retirement income or supplement your existing pension. A group pension plan allows employers to provide retirement benefits for their employees as part of their employment benefits. Build Your Pension Depending on the pension solution you choose, you can receive a lifetime pension benefit or a temporary pension benefit for a specified period. If you have previously built up pension benefits, it may be possible to transfer these existing benefits to your new pension plan. Additional Protection Your pension plan can be extended with additional protection: Survivor’s and children’s pension for your partner and/or children. Premium waiver in case of disability, allowing your pension savings to continue if you become fully disabled. Disability income benefit providing additional income in the event of full disability. Depending on your personal circumstances and applicable tax rules, pension contributions may be partially tax-deductible. Start Planning Early The earlier you start building your pension, the more time you have to prepare for your financial future. Would you like to know how much retirement income you may need? Request a personal pension consultation and discover which pension solution may be right for 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. Your home, so much more than just a place to live Your home is more than just a property. It is where you live, create memories, and keep your valuable belongings. With Guardian Group Fatum Home Insurance, you can protect your home against various types of damage. Based on your personal situation and needs, you can work with us to put together an insurance package that suits you. Home The Guardian Group Home Insurance provides comprehensive coverage for your home. Among other things, the following damage and expenses are covered: Damage caused by fire and related firefighting activities Material damage caused by rain or flooding Damage to water pipes and the costs of locating the defect Damage caused by power surges, induction, and lightning strikes Costs of replacing locks when necessary following a burglary or attempted burglary Emergency prevention costs above the insured amount. These are costs incurred during or after a covered event to prevent further damage Personal accident and life coverage Complimentary personal liability insurance Please note: Your household contents are not automatically covered under the home insurance policy. For this, you can take out a separate contents insurance policy. Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication . Your belongings With Guardian Group Contents Insurance, you can protect your belongings in and around your home against the financial consequences of theft and various types of damage. The insurance provides coverage for, among other things: Fire and related firefighting activities Water loss resulting from damage to the water supply system Theft Emergency prevention costs. These are costs incurred during or after a covered event to prevent further damage Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication .

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.

Calculate and purchase (Curacao, Bonaire, Aruba, St. Maarten) insurance online in 3 minutes. Fast, easy, practical and secure ... Buy Your Insurance Online Would you like to arrange your insurance online yourself? It’s quick and easy. Select your preferred location below and click the relevant button to purchase your insurance online in Aruba, Bonaire, Curaçao or St. Maarten. You can arrange your insurance online in just a few clicks, whenever it is convenient for you. Please note: Not all insurance products are available online. If you cannot find the insurance you are looking for, please feel free to contact us for personal advice. ARUBA BONAIRE CURACAO ST. MAARTEN The Right Insurance for Your Situation When choosing insurance, you have different options. It is important to first determine which risks you want to insure and which coverage best suits your personal situation. Not sure which insurance or coverage is right for you? We are happy to provide you with personal advice. Personal Advice Ronald Domacasse is your Guardian Group Expert and is happy to assist you. As your personal advisor, he can help you make the right choices and arrange insurance that suits your situation. If your circumstances change, you can contact him to review or adjust your insurance. He can also assist you with filing a claim. Accessible and Reliable Do you have questions or need personal advice? Your Guardian Group Expert is easily accessible and ready to assist you whenever you need help. You can schedule an appointment by phone or online for personal advice. Prefer to arrange your insurance yourself? Where available, you can also purchase your insurance online. Quick, easy and reliable – with personal advice whenever you need it.

Get in touch with Ronald Domacassé, insurance expert at Guardian Group. Receive personal advice on insurance, pension, and mortgage solutions across the Caribbean. CONTACT Curacao Cas Coraweg 2 Willemstad Bonaire Kaya Gobernador N Debrot 35 Kralendijk Aruba LG Smith Boulevard 162 Oranjestad St. Maarten AJC Brouwers Road 6 Philipsburg +599 9 777 7158 +599 9 560 4000 ronald.domacasse@myguardiangroup.com Firstname Lastname E-mail Phone (mobile) Island Message Thanks you for your message! Send

Protection of your business interests and against interruptions in the event of damage. Disability Income Insurance What would happen to your income if you were temporarily or permanently unable to work due to illness or an accident? Disability Income Insurance provides financial protection if you become unable to work. If an illness or accident prevents you from working fully or partially, you receive a pre-agreed benefit. This benefit is paid for each day you are considered disabled, in accordance with the terms and conditions of your policy. When taking out the insurance, you determine, among other things, the benefit amount and the waiting period. The waiting period is the period after you become disabled during which no benefit is paid. Who is Disability Income Insurance for? Disability Income Insurance is particularly relevant for: Professionals in salaried employment with an income above the SVB income threshold Self-employed individuals and independent professionals Company directors and statutory directors Choose the coverage that suits you Your personal and financial situation determines how much protection you need. When arranging your insurance, you can consider the following: The benefit amount How much income would you need if you were unable to work? You could, for example, choose a benefit equivalent to approximately 80% of your average income, or opt for a lower amount if that is sufficient for your financial situation. The waiting period Do you have sufficient savings or financial reserves to cover your expenses during the initial period of disability? If so, you may choose a longer waiting period. This can affect the premium you pay. The premium The premium depends on various factors, including your age, occupation, selected coverage and waiting period. Under certain conditions, the premium may be tax-deductible. Protect your income Your income is one of your most important financial resources. If you become unable to work, however, your regular expenses and financial commitments may continue. Disability Income Insurance helps ensure that you continue to have an income if illness or an accident prevents you from working fully or partially. Would you like to know which coverage best suits your personal and financial situation? Contact us for more information and personalized advice.