Single or dual cover
Lump sum or monthly income
Types of cover
Level Cover, Increasing Cover, Decreasing Cover, Family Income Benefit

clear, comprehensive cover

Our focus is on providing the best possible cover for the most common illnesses and we never apply general exclusions. Our definitions are clearer and more all-encompassing. 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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reserved cover

Uniquely, for many clients we reserve Life Protection and Critical Illness Protection regardless of what cover they bought. Reserved Cover can then be added at any time over the next 27 months, on the same terms, by answering a few simple questions. The amount depends on eligibility and the amount of cover originally taken out – but could be up to £250,000 of Life Protection and £100,000 of Critical Illness Protection where not restricted by non-medical limits. If your client is eligible, we show how much cover of each type we’ve reserved for them on their cover summary.

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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 a Guardian dual life policy, 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.


Buy-Back comes as standard with Critical Illness Protection. This gives your clients the opportunity, regardless of their age, to buy back up to 25% of their cover – with some limitations – to a maximum of £50,000 so long as the cover has 12 months left to run.


We offer most policyholders the chance to add to their cover with no underwriting, no medical evidence, no application form and no age limit. All we need is an email to say they’d like to use a Guaranteed Increase Option. And, most importantly, we price any increased amount based on their age at the start of the policy.


We guarantee to pay the full outstanding original mortgage amount, regardless of the interest rate, as long as the amount and term is the same as it was when the policy started and the policy isn’t in arrears when the claim’s made. If the mortgage changes, you can apply to amend the policy and 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 job. That is, the job they’re doing when they claim. When they retire, 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 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