WHATEVER YOUR ADVICE,
WE’VE GOT THE IDEAL COVER TO MATCH

Combined Covers
Ideal protection for mortgages

Our Combined Life and Critical Illness Protection (sometimes known as accelerated critical illness cover) has been specifically designed for clients looking for affordable cover to protect their mortgage.

Providing a single payout in the event of death or critical illness, it offers clients all-round protection. What’s more, you can enhance the amount of life or critical illness cover separately by adding our stand-alone covers.

Key benefits:
  • Pays out once on death or critical illness
  • Dual life makes sure partners are not left uninsured following a claim
  • Choose level, increasing, or decreasing cover
  • Mortgage guarantee to pay off outstanding mortgage
  • Market-leading critical illness and terminal illness definitions
  • Cover upgrade promise
  • Optional children's critical illness cover can be added

Stand-alone Covers
Ideal protection for families

Often families need cover that goes beyond just the mortgage. In that instance you need to match cover to their needs perfectly. Our stand-alone covers give you the flexibility to do just that.

Constructing a policy with our stand-alone life and critical illness covers means each cover is separate, so clients benefit from 2 potential payouts as well as a multi-product discount.

Key benefits:
  • Covers kept separate to maximise number of payouts
  • Dual life makes sure partners are not left uninsured following a claim
  • Choose level, increasing, or decreasing cover
  • Lump sum or monthly family income benefit available
  • Market-leading critical illness and terminal illness definitions
  • Cover upgrade promise
  • Optional children's critical illness cover can be added to either stand-alone life or stand-alone critical illness covers

Children’s Critical Illness Cover
Ideal protection for kids

Whether you recommend our combined cover or our stand-alone covers, you can add Children’s Critical Illness Protection into the mix when required.

Unlike other providers, we don’t automatically include a limited amount with adult critical illness cover. Instead, you can add our Children's Critical Illness Protection to any adult cover, at any time. And you can select any amount between £10,000 and £100,000, limited to the parents' amount of cover.

Key benefits:
  • Add to stand-alone Life Protection
  • Add to stand-alone Critical Illness Protection
  • Add to Combined Life and Critical Illness Protection
  • Add to an adult cover anytime
  • Level or increasing cover from £10,000 to £100,000, limited to parent's amount of cover
  • Children covered from birth to age 23

Claims Support

Introducing

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An extraordinary claims service, because there's no such thing as an ordinary claim.

Additional Benefits

All policyholders get free additional benefits, without the need to claim.

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 150 years’ experience in providing financial products and services.