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LIFE DOESN’T GET ANY BETTER

It’s easy to assume all protection policies are the same apart from the price. That’s simply not true.

what makes A GUARDIAN POLICY A BETTER POLICY?

At Guardian we believe the single most important thing about a protection policy is that it pays out quickly when you expect it to. So, we do a number of things differently to make sure our policies do just that.

No.1

FASTER, FAIRER CRITICAL ILLNESS COVER PAYOUTS

In most critical illness claims cases, we only need a written diagnosis from a UK Consultant to pay out. This means we avoid the need for further questions or evidence which can lead to uncertainty and delay. Also, while some providers only pay out when the illness meets their definition of critical, we pay out a percentage of your cover amount as an additional payout for many illnesses that are in the early stages.

No.2

LIFE PROTECTION THAT PAYS OUT SOONER

If you’re diagnosed with a terminal illness, most providers will only pay out when a doctor confirms you have less than 12 months to live. At Guardian, we pay out as soon as you’re diagnosed with incurable stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes even if you’re expected to live for longer than 12 months. That way, you can make the most of the time you have left without worrying about the financial impact your death will have on your loved ones.

No.3

BETTER COVER FOR COUPLES

Many providers offer a joint life policy at a discounted price for couples. However, if one partner dies, the policy pays out and is then terminated which leaves the surviving partner with no cover. At Guardian, we offer a dual life approach. Couples still get a discount, but their cover is kept separate so if one of them dies or is diagnosed with a critical illness, the other is still protected.

No.4

WE PROMISE TO ALWAYS OFFER YOU THE BEST

Believe it or not, when most providers make improvements to their critical illness policies, they rarely apply them to existing customers’ policies. At Guardian, if we upgrade our critical illness definitions, every existing customer can also benefit from the improvements.

No.5

MORE OPTIONS TO COVER YOUR KIDS

Most providers include a limited amount of children’s critical illness cover with adult critical illness policies. However, that means you can’t get children’s critical illness cover if you just want life cover. Plus, if you want critical illness cover but don’t have children, you end up paying for children’s cover you don’t need.

That’s why at Guardian we’ve made children’s critical illness cover an optional extra. It can be added to either parent’s life or critical illness policy at any time, and we let you choose how much cover you need.

No.6

WE PAY YOUR PREMIUMS IF YOU’RE UNABLE TO

At Guardian, we understand that in certain situations money can get tight, and life would be a little easier if you could take a break from paying your premiums. So, if you become too ill to work, we’ll pay your premiums until you return to work. We’ll also pay your premiums for up to 6 months if you’re made redundant or take maternity or paternity leave, as long as your policy has been in force for a year.

This is called Premium Waiver. Other providers offer it, but it’s an optional extra that you need to pay more for. With Guardian, it’s included as standard.

No.7

EXTRA HELP WHEN YOU NEED IT

There’s more to a Guardian policy than a payout. Our claims service HALO offers invaluable support to you and your loved ones during a claim. And Guardian Anytime gives you access to a GP 24/7, and a second medical opinion, without the need to claim.

No.8

OUR POLICIES ARE ONLY AVAILABLE WITH ADVICE

You can’t be sure you have the best cover for your family unless you talk to a Financial Adviser. Comparison sites just don’t compare. That’s why we only sell our polices through Financial Advisers. Obviously, we’d like you to buy our cover, but most of all we want you to get cover that’s right for you.

Seek advice

When it comes to protecting your family, the best advice is get advice.
Speak to a Financial Adviser to find out more about our products.

THE BEST INSURANCE POLICIES PAY OUT QUICKLY WHEN YOU EXPECT THEM TO. OUR COVER IS DESIGNED TO DO JUST THAT.

Rachael Welsh
Head of Marketing

OUR PROTECTION
OUR PROTECTION

INSURANCE
FOR LIFE

Additional benefits

ALL THE SUPPORT
YOU AND YOUR
FAMILY NEED