30 November 2023


  • Guardian Anytime – Guardian’s remote GP 24/7 and second medical opinion service – is being expanded to include Emotional Wellbeing and Aches and Pains support
  • 30-minute specialist phone consultations available to all Guardian policyholders to support their mental and physical health
  • The new preventative support offered focuses on 2 of the top 3 causes of Income Protection claims

From tomorrow, Friday 1 December 2023, Guardian’s existing and new policyholders across all cover types can benefit from an expanded Guardian Anytime service, which will include Emotional Wellbeing and Aches and Pains support. The expanded service will enhance Guardian Anytime’s existing offering, which includes GP 24/7 and access to a second medical opinion, to give policyholders free access to support and preventative care designed to help improve mental and physical wellbeing.

Delivered in partnership with HealthHero, the new Emotional Wellbeing and Aches and Pains support will be available Monday to Friday between 9am to 5pm, during which policyholders can have a 30-minute phone consultation with a specialist who can help deal with emotional wellbeing issues or signpost the appropriate action to take regarding aches and pains. The consultations will be delivered by experienced advisers – registered with the appropriate professional bodies – and promote education, self-help, and signposting.

  • Emotional Wellbeing advisers will include registered mental health nurses and counsellors. During consultations, the adviser will carry out a holistic assessment to understand the factors that may be impacting the policyholder’s emotional wellbeing. They will listen to the policyholder’s concerns and provide helpful advice, suggest coping strategies and signposting to resources that can help.
  • Aches and Pains advisers will include professionals such as physiotherapists and sports therapists. Depending on the nature of the concern, they can provide guided self-help in the form of remedial and lifestyle information, exercises, and guided videos. The service is not designed to treat more significant conditions or provide ongoing treatment, however where this is necessary, advisers can help signpost the most appropriate course of action.

Jacqui Gillies, Marketing and Proposition Director, Guardian, said: “Life can be emotionally and physically challenging, and almost everyone needs support from time to time. We wanted to help our policyholders look after their mental health and seek advice, when required, from a qualified professional on how to prevent any aches and pains from worsening. That’s why we’re adding these important support services to Guardian Anytime, sitting alongside our GP24/7 service and second medical opinion.

“The time is certainly right to introduce these services; according to HealthHero, 1 in 4 people have a mental health condition and 1 in 4 have musculoskeletal concerns. Industry claims data also shows that mental health and musculoskeletal are 2 of the top 3 causes of Income Protection claims.i By giving our policyholders access to these new services, available to them free of charge from tomorrow, we can better support them to proactively manage their health and tackle any issues before they get worse.”

-Release ends-

Notes to editors:

Press enquiries to Natalie Robinson, 07789 501146,

Guardian Anytime consists of a remote GP 24/7 service, access to a second medical opinion, and, from Friday 1 December 2023, also the new Emotional Wellbeing and Aches and Pains support services. These will be available to all Guardian policyholders across every cover type, including the firm’s recently launched Income Protection cover, throughout the life of the policy. The new services are delivered in partnership with HealthHero through its new HolisticHealth offer.

Guardian Financial Services is an appointed representative of Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

All products are provided by Scottish Friendly Assurance Society Limited and we have an agreement with them to underwrite and issue the protection policies we distribute through the UK intermediary channel.

As an appointed representative of Scottish Friendly Assurance Society Limited, Guardian Financial Services Limited is the market-facing brand under which we promote our proposition and engage with advisers.

Background to Guardian Financial Services, owned by Gryphon Group Holdings

Guardian, the life and protection insurance business, launched in 2018 and pledged to grow the protection market. The brand promise of ‘Life. Made Better.’ reflects the company’s commitment to rethink and reinvent protection for the better; making sure customers get cover that’s easier to understand, simple to buy and designed to never let them down.

Guardian’s business partners

Gryphon Group Holdings is majority owned by Punter Southall Group as the largest equity capital investor. Guardian partners with UnderwriteMe for its Underwriting Engine, Liss Systems, the UK arm of Nasdaq-listed EXL, for its policy administration technology, and Space, for its front-end technology, branding and marketing. Guardian’s reinsurance partners are Hannover Re and Gen Re.

Source for “2 of top 3 causes of Income Protection claims”:
According to H&P’s 2022 Individual Protection Report, the four biggest Income Protection providers by share of
market are: Aviva 39.5%, LV= 18.1%, Royal London 12.7% and The Exeter 8.1%. Across these 4 providers,
claims statistics were as follows:


Mental health % of 2022 claims (ranking as cause of claim)

Musculoskeletal % of 2022 claims (ranking as cause of claim)

Aviva 30% (1) 26% (2)
LV= 12% (3) 25% (1)
Royal London 6% (3) 52% (1)
The Exeter 7% (3=) 40% (1)

Aviva 2022 individual protection claims results
LV= 2022 claims report
Royal London 2022 claims report
The Exeter 2022 claims statistics