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2024

CLAIMS REPORT

Cover you can believe in.

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We’ve upgraded our critical illness cover,
for new and existing customers.
Without raising costs.

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advisers
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5 ways our protection is better

No.1

DUAL LIFE APPROACH

Protection for couples that gives each partner their own cover,
so if one claims, the other is still protected.

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No.2

CRITICAL ILLNESS DEFINITIONS

Crystal clear policy wording that provides quicker payouts.

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No.3

OPTIONAL CHILDREN’S CRITICAL ILLNESS COVER

More flexible cover that can be added to a parent’s life, critical illness or combined cover.

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No.4

TERMINAL ILLNESS DEFINITION

Life cover designed to pay out sooner rather than later.

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No.5

COVER UPGRADE PROMISE

If we improve our critical illness definitions, every customer can benefit.
Not just the new ones.

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our products
Flexible

Protection Menu

Protection Menu

Combine multiple covers and create the ultimate protection policy for your clients.

Product detail
STAND-ALONE

LIFE
PROTECTION

LIFE<br/>PROTECTION

Life cover that takes terminal illness cover to a whole new level.

Product detail
STAND-ALONE

Life

Essentials

Life
<br/>Essentials

Low-cost life cover with
essential features.

product detail
STAND-ALONE

CRITICAL ILLNESS
PROTECTION

CRITICAL ILLNESS<br/>PROTECTION

Critical illness cover with better definitions that help provide peace of mind.

Product detail
COMBINED

LIFE AND CRITICAL
ILLNESS PROTECTION

LIFE AND CRITICAL<br/>ILLNESS PROTECTION

Affordable mortgage protection that gives your clients the best of both worlds.

Product detail
Stand-alone

Income Protection

Income Protection

Cover that pays out if your client is too ill to do their actual job, not their occupation.

Product Detail
OPTIONAL

CHILDREN'S CRITICAL
ILLNESS PROTECTION

CHILDREN'S CRITICAL<br/>ILLNESS PROTECTION

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

Product detail
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.

CLIENT-FACING STORIES

Help bring to life our product features with our series of client scenarios.

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.

VALUE OF MENU

Our scenarios demonstrate the flexibility of our menu as well as the superior value of a Guardian policy.

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

12 June 2025

An afternoon with our new CEO

An afternoon with our new CEO

An afternoon with our new CEO

Read Article

12 June 2025

Bridging the beneficiary gap

Bridging the beneficiary gap

Vincent O’Connor
Head of Strategic Partnerships

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.