Single or dual cover
Lump sum
Types of cover
Level Cover, Increasing Cover, Decreasing Cover

clear, comprehensive cover

Our focus is on providing the best possible cover for the most common illnesses and we never apply general exclusions. We aim to make our definitions clearer and more all-encompassing than the rest of the market. And, in many cases, we don't ask for detailed medical evidence - the word of a UK Consultant is all we need to pay out.

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cover upgrade promise

We believe existing customers should be treated as well as new ones. If our critical illness definitions improve, we check any claim against both the definitions they bought, and the definitions for new customers. And, for most conditions, we pay out if the claim is valid under either.

Occasionally, we may introduce changes that we won’t automatically upgrade. If this happens, we offer existing customers the chance to pay to add them.


With Guardian's 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.


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


If the outstanding balance on your clients 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. 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.

Total Permanent Disability

If we offer your clients an own occupation definition of total permanent disability, we cover them while they’re working, regardless of their age, for their own occupation. For retired or  unemployed clients, we use activities of daily living or mental incapacity instead.


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 after they have a baby or if they lose their job.


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.

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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 Team 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.

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Guardian Anytime

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.

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Lifestyle Promise

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

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