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CHILDREN’S CRITICAL ILLNESS COVER

CRITICAL ILLNESS COVER
FOR Chen WASN’T
AN OPTION

CHILDREN’S CRITICAL ILLNESS COVER

Chen’s mum and dad had just bought a new home and all the associated costs meant money was tight.

Although they could afford only life cover for themselves, they wanted to take out critical illness cover for Chen. But…

Children’s critical illness cover wasn’t available with the life cover their adviser recommended. It was only available if Chen’s parents took out critical illness cover too.

Chen and his parents are not alone

35%

OF PEOPLE IN THE UK HAVE LIFE COVER ONLY, LEAVING THEIR CHILDREN WITHOUT ACCESS TO CRITICAL ILLNESS PROTECTION

Source: Direct Line Life Insurance, 5 October 2022.

THAT’S WHY, AT GUARDIAN, WE DO THINGS DIFFERENTLY

Most other providers only make children’s critical illness cover available with adult critical illness cover. And it’s usually automatically included so the customer pays for it whether they have children or not.

However, we treat children’s critical illness cover as an optional extra that can be added to the parent’s life, stand-alone critical illness, combined life and critical illness or income protection policy. And it can be added when the cover is taken out or at any point in the future.

What’s more, we don’t limit the children’s cover to £25,000 or a maximum of 25% of the adult’s policy. Instead, if you’re adding children’s critical illness cover to stand-alone life, stand-alone critical illness, or combined life and critical illness, parents can choose any amount between £10,000 and £100,000, to a maximum of the amount they’re covered for themselves. And if they’re adding children’s critical illness cover to income protection, the maximum amount of cover available is their cover limit multiplied by their cover term, up to a total of £100,000.

At Guardian, we believe children should be able to get protection
regardless of the type of policy their parents buy.

Chen is a fictitious character, and his story has been created for illustrative purposes.

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