At Guardian we're challenging the status quo so advisers have a real choice
Which of the following would you choose?
Life protection your clients can grow out of.
Life protection your clients can grow into.
Most life cover policies are pretty basic. But at Guardian we want to make sure our customers' cover keeps pace with their lives. So, we give you more ways to adapt your clients' policies to their changing needs. And we've made it easy too.
Just choose Payout Planner when applying to avoid probate delays. With our Reserved Cover, you can add or increase cover for up to 27 months - on the same terms as at outset.
Terminal illness pays out on diagnosis of certain illnesses, such as stage 4 cancer. To use a GIO, just send us an email. Premium Waiver comes as standard at no extra cost too. Children's Critical Illness Protection can be added to Life Protection at any time.
It all means that our life cover is the perfect foundation to a wider protection plan.Register now
A provider that asks for detailed medical evidence before they pay out for a heart attack.
A provider that takes a uk consultant's word for it.
Providers typically request detailed medical evidence of a heart attack before they pay out.
At Guardian, we don't think this is right, so we keep it simple - the word of a UK Consultant is all we need. If they say it's a heart attack, it's a heart attack. And we pay out. They're the experts, after all.
We've applied this simplicity to as many definitions as we can. In fact, for all the most common conditions accounting for over 80% of claims the word of a UK Consultant is all we need.
Source: From UK industry published claims statistics 2017.Register now
Terminal illness that only pays out on stage 4 cancer if expected to die within 12 months.
Terminal illness that pays out on diagnosis.
With other insurers, terminal illness cover typically only pays out if, in a doctor's opinion, the policyholder has less than 12 months to live. However, it can be hard for doctors to accurately predict the survival time for patients with certain terminal illnesses, even in their late stages.
At Guardian, we go further. Not only do we pay out if a client is expected to live for less than 12 months, we also guarantee to pay out if there's a diagnosis of stage 4 cancer, motor-neurone disease, CJD, or Parkinson-plus syndromes - even if the life expectancy is more than 12 months.Register now
A provider that only applies cover improvements to new policies.
a provider that applies cover improvements to new & existing policies.
With some insurers, the policy you get is the policy you get - it never changes. Which means that if there's ever an improvement to the cover, it won't be added on. It will only apply to new policies.
At Guardian, we do it a better way. If we make an improvement to our cover, in most cases we'll upgrade existing policies to the improved level of cover automatically and free of charge. Which means that everybody always has the best possible cover that we offer.
Occasionally, we may introduce changes that we won't automatically upgrade, so we'll offer existing customers the chance to pay to add them.Register now
Use a complex, time-consuming trust to avoid probate delays.
Use our simple payout planner to nominate beneficiaries when you apply.
You no longer need to rely on the complexities of trusts and the hassle of trustees to make sure payouts don't get held up by probate.
The Guardian Payout Planner allows clients to nominate up to 9 beneficiaries quickly and easily as part of the application process.
What's more, they can change their beneficiaries at any time by contacting us by phone or email.Register now
'Joint life' cover that stops covering both partners after the first death.
'Dual life' cover that keeps covering the surviving partner after the first death.
At Guardian, we offer dual life rather than joint life. You can still apply for 2 people at the same time, but we'll give each client their own policy with their own cover - and we apply a multi-life discount.
It means in the event of a claim, unlike a joint policy, the cover remains in place for the remaining partner. No one should lose their cover as well as their partner.Register now