Leave them a blessing,
not a bill.
One day, the people you love will get a phone call. Whether that day leaves them a burden or a blessing is decided now — up to TT$500,000 for them, from under $6 a day*, right from your phone.
*Woman aged 18, TT$100,000, paid annually. Your rate depends on age, gender, cover and how you pay.
Underwritten and issued by Guardian Life of the Caribbean · offered by the Ricky Rampersad Branch, a Guardian Life agency
Your rate, right now
Three answers. No name, no number, no waiting.
Indicative premium. Your exact premium is confirmed on your policy at issue.
Protect them now — apply in 5 minutesHow Xpress Life works
Xpress Life is underwritten and issued by Guardian Life of the Caribbean Limited. The Ricky Rampersad Branch is a Guardian Life agency. This film is a summary: the policy contract sets out the full terms and governs. Every application is reviewed and decided by Guardian's underwriters. The example premium is for a woman aged 40, TT$200,000, paid monthly.
Read what the film says
Xpress Life, from Guardian Life of the Caribbean. Life cover up to five hundred thousand dollars. No medical exam.
Self-employed? Or only covered through your job? Then the mortgage and the bills could fall on your family.
If you're eighteen to sixty-nine, and you can honestly answer no to five health questions, you can apply.
Get your rate in ten seconds. A woman of forty, with two hundred thousand in cover, pays about three hundred and fourteen dollars a month.
Your premium is fixed. Pay for twenty years, then never again. You're covered to age one hundred.
Full cover starts in year three. In year one, your premiums are returned. In year two, half your cover is paid.
Apply in about five minutes from your phone. Guardian's underwriters review it, and our branch keeps you posted.
xpresslifett.com. The Ricky Rampersad Branch, a Guardian Life agency. leave them a blessing… not a bill.
Xpress Life at a glance.
What you get, what it costs and what it doesn't do, in plain words.
A summary only. The Xpress Life policy contract issued by Guardian Life of the Caribbean Limited sets out the full terms, and it governs. Ask us for a copy before you apply.
Have these ready and it takes about 5 minutes
- Your ID: National ID, Driver's Permit or Passport
- Proof of address: a utility bill or bank statement from the last 3 months
- Your beneficiary's full name: who receives the money
- Your first month's premium: it is collected with the application
Card and bank account numbers are never typed into this site.
Pay for 20 years. Covered to age 100.
Pay for 20 years only — your cover carries on with nothing more to pay. Then in year 21, choose:
Keep it — your cover carries on, and if the policy is in force at about age 100, the full cover is paid to you, in cash.
Take it back — give up the policy in year 21 and receive every premium you paid, without interest. The policy then ends.
The greatest gift you can leave your family
is a day to grieve — not a debt to carry.
Meet RAI, our leatherback — every question answered, 24/7
Born on a Trini beach, built to protect for 100 years. Ask your cost at your exact age, what your family gets in every policy year, and more.
Ready in 3 short steps
Your cover is locked in below. Applying with your spouse? One tap adds them — then continue.
About you
Exactly as it appears on your ID.
Please complete every field to continue.
Five eligibility questions
Word-for-word from the official application. A "Yes" or a blank means that plan can't be issued — answer honestly.
1. Within the last 5 years, have you ever had, been told you had, or been treated for heart or blood vessel disease, stroke, kidney disease or cancer?
2. Within the last 5 years, have you ever had, been told you had, or been treated for alcohol abuse, alcoholism or drug abuse?
3. Have you ever been told you have, been diagnosed with, or treated for AIDS, an AIDS-related complex, any disorder of the immune system, or tested positive for HIV?
4. Have you ever been rated, postponed/deferred or declined for Life or Health insurance because of your health or habits of life?
5. Do you have any Easicover policy/ies with Bancassurance Caribbean Limited where the total sum assured, together with this application, would exceed $500,000?
Guardian's declaration also asks: have you used tobacco or nicotine products in the last 12 months? (This does not change the Xpress Life premium.)
Please answer every question.
Beneficiary & payments
Who we protect, and how your premiums are set up.
Your security: card and account numbers are never entered on this website. First premium is taken by one-time card authorisation (e-signed via DocuSign) or by your own online bank transfer — your choice above.
Add accident cover from day one
Xpress Life pays in full from year 3. Guardian offers two add-ons that pay from the first day if death or disablement is caused by an accident. Each costs extra, can be up to your cover amount, and ends at age 65. Tick one and our team gives you the price and terms on your confirmation call.
Please complete every field and confirm your declaration to submit.
Check it — then send it
This is exactly what we receive. A PDF copy is emailed to you the moment you submit.
You declared: answers true & complete · no physician has advised of any condition risking death within 12 months · untrue statements may void the policy with premiums refunded only.
One more step — our team takes it from here
Please choose a call time and confirm consent.
Application received
—
Nothing on this screen is an approval. Every application is reviewed and decided by the underwriters of Guardian Life of the Caribbean Limited, who issue the policy. Your answers form part of the Proposal and Declaration on which the policy is issued; untrue statements may void the policy, with only premiums refunded. Your application has been transmitted securely to the Ricky Rampersad Branch.
Track your application
Your Ref and Access Code were emailed the moment you applied. We update you at every step — check live any time.