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2025 claims report

Illustrating the value of protection

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Cards to play.

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2 RANGES. TOTAL FLEXIBILITY.

Essentials

Our standard range, ideal for clients who want quality cover at a more affordable price.

Protection

Our signature range, ideal for clients who want enhanced cover with quality features.

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Why Guardian? The answer is simple:

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PROTECTION MENU. IT’S LIFE MADE EASIER.

Our full menu is available on Protection Builder 2.0. You can combine up to 10 covers for each person, from either of our Essentials or Protection ranges, to build the ultimate protection policy for every client.

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Essentials

Our standard range, ideal for clients who want quality cover at a more affordable price.

Life

Life Essentials

Quality life cover at a more affordable price.

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critical-illness

Critical Illness Essentials

Quality critical illness cover at a more affordable price.

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Combined Life and Critical
Illness Essentials

Quality life and critical illness cover at a more affordable price.

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Protection-logo

Protection

Our signature range, ideal for clients who want enhanced cover with quality features.

ip

Life Protection

Enhanced life cover with quality features.

Product Details
cip

Critical Illness Protection

Enhanced critical illness cover with quality features.

Product Details
lcip

Combined Life and Critical
Illness Protection

Enhanced life and critical illness cover with quality features.

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Income Protection

Enhanced income protection with quality features.

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ccip

Children's Critical 
Illness Protection

Cover that can be added to any adult life, critical illness or income protection policy.

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TOOLS AND LITERATURE

PROTECTION
BUILDER 2.0

Fly through applications with
our quote and apply journey.

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Literature Library

All our product guides, key facts, sales aids and forms all in one place.

Reasons Why Editor

Our reasons why editor makes it easy for you to compile your suitability letters.

Customer Case Studies

First-hand accounts from our policyholders of making a claim and using our HALO support service.

MAXIMUM COVER AMOUNT

Work out the total amount of Income Protection available to your clients.

WEBINARS

Our webinars are designed for you to learn more about Guardian and give you hints and tips to grow your protection sales.

COVER UPGRADE PROMISE CHECKER

See where we’ve upgraded our critical illness definitions for existing customers with our handy cover upgrade promise checker.

REGISTER FOR A PRODUCT BRIEFING

To find out more about Guardian, join us at our next monthly product briefing with one of our experts.

Our webinars are designed for you to learn more about Guardian and give you hints and tips to grow your protection sales. All our live webinars qualify for CPD.

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Insights

26 October 2026

Post-issue sampling: nothing to fear, everything to gain

Post-issue sampling: nothing to fear, everything to gain

Duncan Mitchell
Life & Health Protection Technical Underwriter

Read Article

22 October 2026

Disclosing anxiety or depression to an insurer shouldn’t feel like a gamble

Disclosing anxiety or depression to an insurer shouldn’t feel like a gamble

Andy Newton
Development Underwriting Manager

Read Article

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 160 years’ experience in providing financial products and services.