Literature library

The FCA introduced new rules to make sure that manufacturers and distributors always consider what’s fair value for the customer. This document is our assessment of fair value on all products under the Guardian brand.

Life Protection offers policyholders superior cover, enhanced features, and most importantly, peace of mind.

Because every one of your clients is different, we’ve made Guardian Life Protection different too.

In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

The easy way to bypass probate.

Here are four points that explain why our policies give your clients superior cover for life.

When times are hard, you need to make sure you’re getting value for money. Life Essentials offers you just that. It provides the features you need from a life Insurance policy at an affordable price.

In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

Until now, we’ve only offered Life Protection, our premier life cover with enhanced features. However, these days price is a key factor for many customers. That’s why we’ve launched Life Essentials.

The easy way to bypass probate.

We’ve designed our critical illness cover to fit your clients’ needs today and long into the future. Find out how.

In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

We include a wide range of additional definitions that pay out a percentage of the cover amount if a diagnosis doesn’t meet the full definition.

We’ve designed our critical illness cover to fit your clients’ needs today and long into the future. Find out how.

In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

We include a wide range of additional definitions that pay out a percentage of the cover amount if a diagnosis doesn’t meet the full definition.

The easy way to bypass probate.

Here’s a short guide to how Income Protection works and the decisions you need to make.

Our Income Protection provides the ultimate cover for illness and injury. Whether a client is employed or self-employed, it has all the options you need to tailor cover to their situation and budget.

Our policies have all the features and options to shape your cover to your situation and budget.

Our Income Protection provides the ultimate cover for illness and injury.

In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

Find out how Guardian’s Children’s Critical Illness Protection takes better care of your clients and their children.

Because no parent should have to worry about money as well as a critically ill child.

In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

See how we measured up. We hope that our 2023 claim statistics will give advisers and their customers complete confidence in the quality of our policies.

We recognise that at the point of claim and throughout life people need access to specialist care. That’s why our policies come with 2 complementary support services.

Find out how Guardian’s Children’s Critical Illness Protection takes better care of your clients and their children.

We’ve designed our critical illness cover to fit your clients’ needs today and long into the future. Find out how.

We include a wide range of additional definitions that pay out a percentage of the cover amount if a diagnosis doesn’t meet the full definition.

We’re not just here for policyholders when they need to claim. All our policyholders get free additional benefits – anytime.

Because there’s no such thing as an ordinary claim.

Our Income Protection provides the ultimate cover for illness and injury. Whether a client is employed or self-employed, it has all the options you need to tailor cover to their situation and budget.

Our Income Protection provides the ultimate cover for illness and injury.

Because every one of your clients is different, we’ve made Guardian Life Protection different too.

Until now, we’ve only offered Life Protection, our premier life cover with enhanced features. However, these days price is a key factor for many customers. That’s why we’ve launched Life Essentials.

The easy way to bypass probate.

Here are four points that explain why our policies give your clients superior cover for life.

This sales aid gives you all the key reasons why Guardian might be a good choice for your clients.

When times are hard, you need to make sure you’re getting value for money. Life Essentials offers you just that. It provides the features you need from a life Insurance policy at an affordable price.

Life Protection offers policyholders superior cover, enhanced features, and most importantly, peace of mind.

Here’s a short guide to how Income Protection works and the decisions you need to make.

Why our dual life approach is better.

Why our prostate cancer definition is better.

Why our children’s critical illness cover is better.

Because no parent should have to worry about money as well as a critically ill child.

We’re not just here for policyholders when they need to claim. Anytime gives policyholders free access to GP consultations and second medical opinions without having to claim on their policy.

The support you need when you need it most.

Our policies have all the features and options to shape your cover to your situation and budget.

Less than 3 months after James’s wife Leana was diagnosed with cancer, James found a lump.
It had been Leana’s diagnosis that had prompted him to finally get around to setting up the critical illness cover he had been putting off.

Why our malignant cancer definition is better.

Why our premium waiver is better.

Why our cover upgrade promise is better.

She’d just accepted a new job offer and was busy planning her wedding. Then, following a routine mammogram, Marilyn was diagnosed with breast cancer.

Why our terminal illness definition is better.

Why our angioplasty definition is better.

It’s easy to assume all protection policies are the same apart from the price. Discover what makes a Guardian policy, a better policy.

It’s important to understand what employer and state benefits you’re entitled to. This checklist will help you understand what benefits you have in place.

This form is for Guardian policyholders with a Guardian Discetionary Split Trust who want to add or remove a trustee.

We only accept online applications. Use this form to capture your clients’ details when you’re not online.

Please make sure your clients have a copy of this before they take out their policy.

This trust is for Guardian policyholders who have taken out a protection policy on their own life.

Your clients should complete this questionnaire if we ask you for a completed declaration of health for a policy reinstatement.

Your clients should complete this questionnaire if we ask you for a completed declaration of health at application stage.

Your clients should complete this questionnaire if they’re applying for more than £1,500,000 of Life Protection or more than £500,000 of Critical Illness Protection or Combined Life and Critical Illness Protection.

Your clients should complete this questionnaire if they’re applying for more than £1,500,000 of Life Protection or more than £500,000 of Critical Illness Protection or Combined Life and Critical Illness Protection.

This form is for Guardian income protection policyholders who want to reduce their deferred period or increase their cover term.

Your clients should complete this questionnaire if they’re paying an increased premium due to their build, have maintained a weight loss for at least 6 months and would like us to consider whether we can reduce their premium.

Your clients should complete this questionnaire if they’re paying an increased premium due to their job and they’ve now changed job and would like us to consider whether we can reduce their premium.

Your clients should complete this questionnaire if they’re paying an increased premium due to a sports activity and they’ve now given this up, and would like us to consider whether we can reduce their premium.

Your clients should complete this questionnaire if they’re paying an increased premium due to use of tobacco or nicotine replacement products, have now stopped for more than 12 months or 5 years and would like us to consider whether we can reduce their premium.

Please answer the following questions about the disclosure of a bowel disorder or investigation on your application, giving as much detail as possible.

Please answer the following questions about the disclosure of epilepsy on your application form, giving as much detail as possible.

Please answer the following questions about the disclosure of a gynaecological disorder on your application, giving as much detail as possible.

Please answer the following questions about the disclosure of a kidney disorder on your application, giving as much detail as possible.

Please answer the following questions about the disclosure of anxiety, stress, depression (including nervous disorders) or other mental health disorder on your application, giving as much detail as possible.

Please answer the following questions about the disclosure of a muscular or skeletal disorder on your application, giving as much detail as possible.

Please answer the following questions about the disclosure of a respiratory disorder on your application, giving as much detail as possible.

Please answer the following questions about the disclosure of a thyroid disorder on your application, giving as much detail as possible.

Please answer the following questions about the disclosure of a tumour, cyst or growth on your
application, giving as much detail as possible.

This form is for income protection applicants whose health has changed, or who have noticed new symptoms after their application was submitted to Guardian and before their policy start date.

Feel free to read them. If your firm is directly authorised with the FCA then your principal will need to accept them during our online registration process. If you’re an appointed representative then your national or network will accept these on your behalf.