LIFE COVER
Guardian’s life cover helps provide financial protection for your client’s family if they die or are diagnosed with a terminal illness.
We offer 2 life covers:
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.
Product overview
Policy details
Basis: Single or dual life
Premiums: Guaranteed
Pay outs: Lump sum or monthly income
Type of cover: Level Cover, Increasing Cover (RPI), Decreasing Cover (8%), Family Income Benefit
Minimum age at entry: Age 18
Maximum age at entry: Age 64
Age when cover ends: 90
Minimum term: 1 year
Maximum term: 72 years
Minimum cover amount: £25,000 or, for Family Income Benefit £2,500 a year
Maximum cover amount: £15 million (higher amounts may be available by contacting us directly at underwriting@guardian1821.co.uk)
Key Product Features
Terminal Illness: Market-leading definition that pays on certain conditions even if the client is expected to live longer than 12 months for certain conditions
Dual life: Both partners’ cover is kept separate
Premium Waiver: Comes as standard with every policy
Optional Children’s Critical Illness Protection: Can be added to an adult policy anytime
Payout Planner: Nominate up to 9 beneficiaries at application
Protection Menu: Can be mixed and matched with any cover from either our Essentials or Protection ranges
Lifestyle promise: We may be able to reduce premiums if they were paying an increased amount and they subsequently stop smoking, lose weight, change job or give up activities
Immediate Cover: Temporary cover up to £1 million that starts as soon as we receive a completed application form
Guaranteed increase option: Increase cover with no underwriting, medical evidence, or application from
Additional Services
HALO: Access to tailored medical and legal support at the point of claim
Anytime: At no extra cost access to a GP 24/7, second medical opinions, wellbeing and aches and pains consultations at any time
HALO and Guardian Anytime don’t form part of your client’s contract with us, and we can change or remove the benefits included at any time.
Uniquely, our Life Protection terminal illness definition not only pays out the full amount of cover if your client is diagnosed as being terminally ill and, in the opinion of their attending UK Consultant, the illness is expected to lead to death within 12 months. But also, we guarantee to pay out if they have a definite diagnosis by a UK Consultant that satisfies one of the following definitions.
CANCER
Histologically confirmed as TNM stage 4 (or equivalent staging system for the specific tumour site) and, in the opinion of the attending UK Consultant, there are no curative treatments available that will prevent further progression of the condition.
MOTOR NEURONE DISEASE
A definite diagnosis by a UK Consultant Neurologist of one of the following motor neurone diseases:
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- Amyotrophic lateral sclerosis
- Kennedy’s disease
- Primary lateral sclerosis
- Progressive bulbar palsy
- Progressive muscular atrophy
- Spinal muscular atrophy
There must also be a permanent clinical impairment of motor function.
PARKINSON-PLUS SYNDROMES
A definite diagnosis by a UK Consultant Neurologist or Geriatrician of one of the following Parkinson-plus syndromes:
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- Multiple system atrophy
- Progressive supranuclear palsy
- Parkinsonism-dementia-amyotrophic lateral sclerosis complex
- Corticobasal ganglionic degeneration
- Diffuse Lewy body disease
There must also be permanent clinical impairment of at least one of the following:
- Motor function
- Eye movement disorder
- Dementia
CREUTZFELDT-JAKOB DISEASE (CJD)
A definite diagnosis by a UK Consultant Neurologist of Creutzfeldt-Jakob disease.
