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EVERYTHING YOU NEED, ALL IN ONE PLACE

Below, you’ll find everything you need including terms of business, forms, sales aids, key facts and product profiles.

Policy Terms and Conditions

Everything your clients need to know about their Guardian policy.

Key facts

The key facts your clients need to know before they buy a Guardian policy.

STAND-ALONE AND COMBINED COVERS

Whatever your advice, we’ve got the ideal cover to match. Read about our products and their key benefits.

LIFE PROTECTION

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

Life Product profile

This document summarises the information distributors need to know about our Life Protection product. In line with the requirements of the Insurance Distribution Directive, we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

2 MONTH’S CASHBACK ON CRITICAL ILLNESS COVER PREMIUMS

To celebrate our brand’s 200th birthday, every person who applies for Critical Illness Protection or Combined Life and Critical Illness Protection between 1 October and 30 November 2021 will be eligible for 2 cashback payments, each of which will be equivalent to one month’s critical illness cover premium. Terms and conditions apply.

STAND-ALONE AND COMBINED COVERS

Whatever your advice, we’ve got the ideal cover to match. Read about our products and their key benefits.

CRITICAL ILLNESS COVER

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

Critical Illness Protection product profile

This document summarises the information distributors need to know about our Critical Illness Protection product. In line with the requirements of the Insurance Distribution Directive, we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

2 MONTH’S CASHBACK ON CRITICAL ILLNESS COVER PREMIUMS

To celebrate our brand’s 200th birthday, every person who applies for Critical Illness Protection or Combined Life and Critical Illness Protection between 1 October and 30 November 2021 will be eligible for 2 cashback payments, each of which will be equivalent to one month’s critical illness cover premium. Terms and conditions apply.

STAND-ALONE AND COMBINED COVERS

Whatever your advice, we’ve got the ideal cover to match. Read about our products and their key benefits.

CRITICAL ILLNESS COVER

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

TWO COVERS IN ONE

With our new Combined Life and Critical Illness Protection exceptional cover comes as standard. The ideal match for any mortgage conversation.

Combined Life and Critical Illness Protection product profile

This document summarises the information distributors need to know about our Combined Life and Critical Illness Protection product. In line with the requirements of the Insurance Distribution Directive, we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.

Children need protection too

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

2 MONTH’S CASHBACK ON CRITICAL ILLNESS COVER PREMIUMS

To celebrate our brand’s 200th birthday, every person who applies for Critical Illness Protection or Combined Life and Critical Illness Protection between 1 October and 30 November 2021 will be eligible for 2 cashback payments, each of which will be equivalent to one month’s critical illness cover premium. Terms and conditions apply.

STAND-ALONE AND COMBINED COVERS

Whatever your advice, we’ve got the ideal cover to match. Read about our products and their key benefits.

LIFE PROTECTION

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

CRITICAL ILLNESS COVER

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

WHY GUARDIAN?

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

TWO COVERS IN ONE

With our new Combined Life and Critical Illness Protection exceptional cover comes as standard. The ideal match for any mortgage conversation.

Guardian Anytime

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

2 MONTH’S CASHBACK ON CRITICAL ILLNESS COVER PREMIUMS

To celebrate our brand’s 200th birthday, every client who applies for Critical Illness Protection or Combined Life and Critical Illness Protection between 1 October and 30 November 2021 will be eligible for 2 cashback payments, each of which will be equivalent to one month’s critical illness cover premium. Terms and conditions apply.

JAMES AND LEANA’S STORY

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.

Children need protection too

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

WHY CHOOSE A GUARDIAN POLICY?

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

BECKY’S STORY

Why our dual life approach is better.

BEMBE’S STORY

Why our prostate cancer definition is better.

CHEN’S STORY

Why our children’s critical illness cover is better.

JANE’S STORY

Why our malignant cancer definition is better.

JO’S STORY

Why our premium waiver is better.

LEE’S STORY

Why our cover upgrade promise is better.

PETE’S STORY

Why our terminal illness definition is better.

TOM’S STORY

Why our angioplasty definition is better.

TRUST FORM

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

Data capture form

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

Direct Debit Guarantee

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

FINANCIAL QUESTIONNAIRE PERSONAL PROTECTION – MORTGAGE OR LOAN COVER

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.

FINANCIAL QUESTIONNAIRE PERSONAL OR FAMILY 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.

Terms of business

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.