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 life insurance policies will only pay out when a doctor confirms you have less than 12 months to live. At Guardian, our premier life insurance, Life Protection, pays 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, critical illness or income protection 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. With our Life Protection, Critical Illness Protection, Combined Life and Critical Illness Protection, and Income Protection, 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. The type of Premium Waiver included depends on the type of cover you choose. Speak to your Financial Adviser for more information.
No.7
OUR INCOME PROTECTION IS JUST THE JOB
Most income protection policies pay out if you’re too ill to carry out your occupation. However, job roles can differ greatly within the same occupation, so claims can be hard to prove and are often open to challenge.
At Guardian, we pay out if you’re too ill to do your actual job. This means any claim is less open to interpretation, which means you have a greater certainty of a payout.
No.8
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, experts for second medical opinions, emotional wellbeing consultations and assessments to help alleviate and prevent general aches and pains, without the need to claim.
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.
