Ronald Domacassé, expert bij Guardian Group, adviseert en bemiddelt op het gebied van verzekeringen, pensioenen en hypotheken. Of sluit zelf online uw verzekering af in 3 minuten. Pensions What’s insured? 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 ?

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. It can happen to everyone: a car accident. Guardian Group Fatum's vihicle insurance offers you peace of mind and the coverage you need. Every vehicle is different, and everyone has their own wishes. Third Party Third-party liability insurance is required by law. This insurance covers damage caused by the insured to an (object of a) third party. Third Party Plus Third-party liability insurance is often used when cars are too old for comprehensive insurance, but too young for only third-party liability. Among other things, the consequences of damage due to theft or attempted fire and explosion are covered with WA+ and roadside assistance . All Risk The hull insurance covers damage to your cars, such as damage as a result of theft, fire, explosion and storm, but also collision and roadside assistance . New value scheme: Guardian Group offers the new-for-old scheme for cars up to three years old. If the car is declared a total loss in the event of damage, the replacement value will be paid out. This saves you a lot of costs. Moreover, in combination with the hull insurance, you do not pay any deductible and you do not lose a no-claim discount if an uninsured counterparty hits you or in the event of a "hit & run". Personal Accident for Occupant Insurance (POI): An accident can cause more damage than just your car. Occupants can be injured or – worse – death as a result of an accident. Therefore, make sure you are covered for the costs of this with the POI. Your passengers are covered (up to a certain maximum) for the costs of disability or death as a result of an accident. You can also insure the driver. Are you over 50 years old? Then we have an extra attractive car insurance policy for you. Ask about this if you want to take out car insurance. The extras are: Comprehensive coverage at an attractive premium Quick build-up of the No-Claim discount for damage-free driving. No-Claim protection if you have built up a large discount. No deductible in case of hull damage. Roadside assistance Motorcycle insurance Motor scooter Motorcycle Trike Quad Do you want to know exactly what's covered, a quotation or need assistant? Please feel free and contact us for more information or continue with our online services. >> CURACAO >> BONAIRE

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance (calculate premium and apply for your insurance in 3 minutes). Self-insure right away Free consultation Welcome, Bonbini The Guardian Group EXPERT Ronald Domacassé is your trusted advisor and intermediary in insurance, pensions and mortgage services on the islands of Aruba , Bonaire , Curaçao and St. Maarten . Whether you have personal or business needs, we provide expert guidance and solutions tailored to your specific requirements. With our extensive knowledge and experience, we ensure that you receive the best possible advice and support to protect your assets and secure your future. Select your country below and take out your insurance directly online. ARUBA BONAIRE CURACAO ST. MAARTEN Your experienced expert in insurance, pensions and mortgages The Guardian Group Expert Ronald Domacassé ensures that you can expect to receive the correct advice on insurances, pensions and mortgages. As an insurance expert, he has 25 years of experience in advising in the field of non-life insurance, life insurance, health insurance, pension insurance and mortgages on Aruba, Bonaire, Curaçao and St Maarten. As a result of the many years of experience in the field of insurances, you are guaranteed to be well assisted in making the right choices. It is important to keep in mind that each situation is different and therefore each package of insurances, a pension or mortgage will be composed differently. Personal guidance and contact With the many available options on the market, it is pleasant to have someone that is familiar with your situation and gives good insight into which products best meet your needs. This way you can be sure that you are not paying for unnecessary products, but that you are well insured. Customization in insurance, because each customer is different Thanks to our extensive experience in insurances, pensions and mortgages, we are equipped to assist you in making the right choice for your personal situation. Our method is that the customer is central and we always have personal contact. In this way we can make a good inventory of your needs and which solutions you need. We offer customization and are an added value for both Private Customers and Entrepreneurs. We come up with a tailor-made solution for every question or problem. Subsequently, everything is arranged down to the last detail, without you having to worry about it. If you’d like more information about our services, get in touch today. Contact Blogs Ronald Domacassé 1 min read A mortgage with Guardian Group? Mortgage - Tailored to your situation - Guardian Group. We advise and mediate in Aruba, Bonaire, Curacao and St. Maarten. 7 Ronald Domacassé 2 min read Taking Out a Mortgage: When Is the Right Time? 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... 12 Ronald Domacassé 2 min read Safeguarding Your Home: 4 essential Tips for Homeowners Owning a home is a significant milestone and a long-term investment. To protect what matters most to you, having adequate home insurance... 73 All blogs

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

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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.