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| Welcome back to Touchpoint. |
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| We hope you’re enjoying our mix of news, views and useful tips to help you nurture your clients, protect more families, and grow your business. |
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| This month we’re talking romance – well, as romantic as it gets for protection and cover for couples. Here are a few things to think about to make sure your clients love your advice. |
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| 1. We challenge you to ‘dual’ |
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| There’s a big debate right now about the best way to cover couples. Do you opt for a joint life policy or 2 single life policies? At Guardian we’re very fond of the latter. In fact, we’re so keen, we only do it this way and we call it our dual life approach. |
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| 2. Looking after unmarried couples |
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| If your clients haven’t tied the knot, there’s something else to consider. If they’re not married, they’re not legally each other’s ‘next of kin’ so there can be complications at probate. This is easy to solve with beneficiary nomination, as this contractually directs the payout to the right person. At Guardian we call this Payout Planner. Just make sure you select it when you apply. |
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| 3. Help partners disclose discreetly |
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| When collecting medical information from couples, stay mindful of the pitfalls of non-disclosure. Not everyone wants their partner to hear intimate medical details from their past, so if they’re together when you complete the medical questionnaire, always give them both the option to ‘call you later if they’ve forgotten anything’. This gives them an easy way to disclose anything they need to privately. And with our dual life approach, if each partner gives us their own email address, they’ll have separate MyGuardian accounts. |
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| Join Danielle for a protection planning for couples webinar |
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| Join Danielle Jeans, Business Development Manager, at 3pm on Tuesday 25 February for our latest webinar, focused on protection planning for couples. She’ll share top tips on supporting your coupled-up clients and how our product features can help. Click the button below to register. You’ll receive your joining link and instructions shortly afterwards. |
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| Industry insight |
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With Vincent O’Connor,
Head of Strategic Partnerships |
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| Hear from our Head of Strategic Partnerships, Vincent O’Connor, in his article for Health and Protection magazine, why he thinks joint life can unwittingly prevent the best customer outcomes. |
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| Adviser tip of the month |
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| With Alan Lakey, CIExpert |
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| Each month we’ll bring you some tips from some tip-top advisers. This month, Alan Lakey shares his view on what you need to discuss when you’re advising couples: |
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| “Only 19% of consumers prioritise mortgage debt repayment when making a claim. And only 11% of couples are aware that with joint life, a policy ends after the claim is paid. It’s important to dig deep into a couple’s shared priorities before assuming that they’ll be better off saving a few pounds with a joint policy rather than two single lives.” |
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| On Tuesday 4 February, the team at CIExpert, along with our Business Development Manager, Heena Sandu, hosted a webinar discussing findings from their ‘Single is Best’ campaign and Critical Thinking report and what that means for your advice conversations. Click the button below to catch up on what they said. |
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| That’s all for February. Who’d have thought we could find a Valentine’s Day hook for protection? We hope you’ve found it useful, and we look forward to seeing you next month. |
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| If you have any questions, please give us a call or send us an email. |
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| Kind regards |
| Your Guardian Team |
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Guardian Financial Services Limited is an appointed representative of Scottish Friendly
Assurance Society Limited. All products are provided by Scottish Friendly.
© 2025 Guardian Financial Services Limited
Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: Galbraith House, 16 Blythswood Square, Glasgow G2 4HJ. Registration number 110002. Guardian Financial Services Limited is registered in England and Wales under number 11115769.
Registered office: 11 Strand, London WC2N 5HR. |
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