The Guardian way

Our technology allows us to separate critical illness cover from life cover. That means you can make a critical illness claim without compromising the value of your life cover.

We also apply a multi-cover discount to make sure the overall cost of the combined benefits remains competitive.

The Guardian way

Our technology allows us to offer you a dual life policy, which means you and your partner each have your own individual cover. But because you applied together, we give you a multi-life discount.

And because both of you have your own cover, if one of you claims the other will still be protected. So there could be 2 payouts.

The Guardian way

At Guardian, we believe you should be able to choose whether you want it and how much you want, and attach it to any adult policy. That means it’s readily available if you have children, but premiums are kept to a minimum if you don’t. This is possible with our technology.

Children’s Critical Illness Protection can be added to any parent’s life or critical illness policy. You can choose any amount between £10,000 and £100,000, to a maximum of the amount you’re covered for yourself.

What’s more, it can be added to a policy at any time in the future, so your cover can grow as your family grows. It can be removed at any time too.

The Guardian way

At Guardian, we have another option. You can nominate up to 9 beneficiaries with one simple question when you apply. We call this functionality Payout Planner.

It’s ideal for people with less complex inheritance tax needs who are not planning to set up a trust.

Payout Planner means payouts won’t be held up waiting for probate to be granted, and the people you want to get the payout get it quickly.

You can also change the beneficiaries at any time.