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Terminal Illness

PETE DOESN’T KNOW HOW MUCH
LONGER HE HAS TO LIVE OR WHEN HIS
LIFE COVER WILL PAY OUT

Terminal Illness
WHY OUR LIFE PROTECTION TERMINAL ILLNESS DEFINITION IS BETTER

Pete has incurable stage 4 cancer and simply wants to be free of financial worries so he can spend his remaining time creating memories with his family. But Pete’s life insurance policy won’t pay out until he can prove he has less than 12 months to live, and his doctors are reluctant to make that prediction.

So instead of living, Pete’s waiting, worried about the uncertain future he
and his family are facing.

Pete is not alone

1 in 2

PEOPLE DEVELOP CANCER IN THEIR LIFETIME

Source: www.nhs.uk, December 2023.

28%

OF OUR LIFE CLAIMS HAVE BEEN FOR TERMINAL ILLNESS

Source: Guardian claims received, 31 August 2018 – 5 December 2023

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

With our Life Protection, we don’t need to see evidence that a customer has less than 12 months to live before we pay out. Also, we pay out if you’re diagnosed with incurable stage 4 cancer, regardless of how long you may have to live.

And we do the same if you’re diagnosed with motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes by a UK Consultant.

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

What else you need to know
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OUR PRODUCTS
DESIGNED TO BRING<br/>ADVICE TO LIFE

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Client Scenarios
jane’s story

jane’s story