Life Protection

Life Protection

Reasons to recommend

  • Better Terminal Illness cover
  • Covers kept separate with our dual life approach
  • Mortgage Guarantee included as standard with decreasing cover
  • Premium Waiver included as standard
  • Immediate Cover
  • Optional children’s critical illness cover
  • Lifestyle promise
  • HALO claims service
  • Guardian Anytime


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.


Single life or dual life




Lump sum or monthly income

Type of cover

Level Cover, Increasing Cover, Decreasing Cover, Family Income Benefit

Terminal illness cover
Terminal illness cover

Our Life Protection not only pays out if a client is expected to survive for less than 12 months. Uniquely, we also guarantee to pay out if they’re diagnosed with incurable stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes even if they’re expected to survive more than 12 months.

Dual life
Dual life

With our dual life approach, each person has their own individual cover. As they
apply together, we give them a multi-life discount. And because they both have their own
cover, in the event of a claim the survivor will still have their own cover in force which means
there could be 2 payouts.

Mortgage guarantee (decreasing term)
Mortgage guarantee (decreasing term)

If the outstanding balance on a client’s original repayment mortgage is higher than their
amount of cover, we’ll pay the outstanding mortgage amount in full, provided the mortgage
isn’t in arrears at the time of claim. The amount of your client’s original cover and term of their original policy must have matched the mortgage amount and term of their original mortgage when the policy was issued.

If your client changes their mortgage, they can also apply to make changes. If these are accepted, or are within the limits of the Guaranteed Increase Option, and the term and amount of cover remain consistent with the loan, we’ll continue the guarantee.

Premium waiver
Premium waiver

Premium Waiver comes as standard regardless of age, occupation or activities. So if we offer someone cover, they automatically get waiver. And we not only waive premiums if they’re too ill to work, we also waive them for up to 6 months for maternity/paternity leave or if they involuntarily lose their job.

Optional children’s critical illness protection
Optional children’s critical illness protection

Rather than including Children’s Critical Illness Protection as standard, we made it an optional extra. This means it’s readily available for those who have children, but premiums are kept to a minimum for those who don’t.

You can choose any amount between £10,000 and £100,000 but the amount is limited to the parent’s sum assured. What’s more, it can be added or removed at any time in the future.

Guaranteed increase option
Guaranteed increase option

We offer most policyholders the chance to add to their cover with no underwriting, no
medical evidence, no application form and no age limit.

Immediate cover
Immediate cover

If your clients’ 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.

Lifestyle promise
Lifestyle promise

We may be able to reduce a client’s premium if they were paying an increased amount due to their health or lifestyle and they subsequently:

  • Stop smoking
  • Lose weight for a sustained period
  • Change job
  • Give up sports activities

AdditIonal services include:

We don’t have a set list of additional services when people claim. Our approach is much more
personal, and we call it HALO. Our claims specialists listen to each claimant’s concerns, identify the
exact help they need, and through our network of medical and legal experts, make it happen.
It’s an extraordinary service, because there’s no such thing as an ordinary claim.

We’re not just here for policyholders when they need to claim. All our customers get free
additional benefits – anytime. This currently includes 24/7 GP consultations over the phone
from anywhere in the world and UK-based face-to-face second medical opinions.




Critical Illness<br/>Protection

Critical Illness