Optional
Children's Critical illness protection
Reasons to recommend
- Definitions designed to pay
- More efficient payouts
- Add to any adult policy – anytime
- Higher cover amounts
- Immediate cover on application
- Cover upgrade promise
Our Products
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’ cover amount.
An optional addition to any adult cover
Guaranteed
Lump sum
Level Cover or Increasing Cover (RPI)
Definitions designed to pay
Our focus is on providing the best possible cover for the most common illnesses. We aim to make our definitions clearer and more all-encompassing than the rest of the market. And, in many cases, the word of a UK Consultant is all we need to pay out.
FAIRER APPROACH
Some providers don’t offer policyholders a choice – they automatically include children’s critical illness cover (usually £25,000) within an adult policy. The costs are included in the adult premium, so people pay for children’s cover whether they want it or not. At Guardian, we take a fairer approach. Our Children’s Critical Illness Protection is an optional extra, so your clients only pay for it if they want it.
ADD TO ANY ADULT POLICY - ANYTIME
Children’s Critical Illness Protection is an optional extra and you can add it to a parent’s life, critical illness, combined life and critical illness or income protection at anytime. It covers all natural, step or adopted children and those for whom the parent has parental responsibility or is a legal guardian. And they’re covered from birth to age 23.
Higher cover amounts
Typically, children’s cover is limited to £25,000 because providers automatically include it in the adult cover. But, because we offer Children’s Critical Illness Protection as an optional extra, you can select any amount of cover between £10,000 and £100,000, limited to the parent’s cover amount. What’s more, if the parent has Increasing Cover, we’ll apply it to the children’s cover too.
Immediate cover
If your clients are eligible, and their cover can’t start right away, we may put Immediate Cover in place for them. This is temporary cover, of the same type you’ve applied for, and it starts as soon as you submit the application online to make sure there are no gaps in your clients’ protection. Immediate Cover applies to all covers except for Income Protection and Life Essentials is limited to £300,000 before we offer terms.
