Literature library
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.
FAIR VALUE ASSESMENT
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.
A GUIDE TO LIFE PROTECTION (FOR CUSTOMERS)
Life Protection offers policyholders superior cover, enhanced features, and most importantly, peace of mind.
LIFE PROTECTION
Because every one of your clients is different, we’ve made Guardian Life Protection different too.
Life Protection Product profile
In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.
Payout Planner
The easy way to bypass probate.
Superior Cover for Life
Here are four points that explain why our policies give your clients superior cover for life.
A GUIDE TO LIFE ESSENTIALS (FOR CUSTOMERS)
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 Essentials Product Profile
In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.
Life essentials
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.
Payout Planner
The easy way to bypass probate.
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
In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.
Critical Illness additional payouts
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.
CRITICAL ILLNESS COVER
We’ve designed our critical illness cover to fit your clients’ needs today and long into the future. Find out how.
Combined Life and Critical Illness Protection product profile
In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.
Critical Illness additional payouts
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.
Payout Planner
The easy way to bypass probate.
A guide to Income Protection
Here’s a short guide to how Income Protection works and the decisions you need to make.
Income Protection
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.
Income Protection Customer Guide
Our policies have all the features and options to shape your cover to your situation and budget.
Income Protection does exactly what it says on the tin
Our Income Protection provides the ultimate cover for illness and injury.
Income protection product profile
In line with our regulatory requirements we set out the product’s target market, distribution strategy, main features, risks, limits, suitability and options.
CHILDREN’S CRITICAL ILLNESS PROTECTION: LET’S GET KIDS COVERED
Find out how Guardian’s Children’s Critical Illness Protection takes better care of your clients and their children.
Children need protection too
Because no parent should have to worry about money as well as a critically ill child.
2023 claims report
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.
Additional Benefits
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.
CHILDREN’S CRITICAL ILLNESS PROTECTION: LET’S GET KIDS COVERED
Find out how Guardian’s Children’s Critical Illness Protection takes better care of your clients and their children.
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 additional payouts
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.
Guardian Anytime
We’re not just here for policyholders when they need to claim. All our policyholders get free additional benefits – anytime.
HALO – IT’S NOW SHINING BRIGHTER THAN EVER.
We’ve added a neurological support partner, so our claims service now takes even better care of your clients.
Income Protection
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.
Income Protection does exactly what it says on the tin
Our Income Protection provides the ultimate cover for illness and injury.
LIFE PROTECTION
Because every one of your clients is different, we’ve made Guardian Life Protection different too.
Life essentials
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.
Payout Planner
The easy way to bypass probate.
Superior Cover for Life
Here are four points that explain why our policies give your clients superior cover for life.
WHY GUARDIAN?
This sales aid gives you all the key reasons why Guardian might be a good choice for your clients.
A GUIDE TO LIFE ESSENTIALS (FOR CUSTOMERS)
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.
A GUIDE TO LIFE PROTECTION (FOR CUSTOMERS)
Life Protection offers policyholders superior cover, enhanced features, and most importantly, peace of mind.
A guide to Income Protection
Here’s a short guide to how Income Protection works and the decisions you need to make.
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.
Children need protection too
Because no parent should have to worry about money as well as a critically ill child.
GUARDIAN ANYTIME
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.
HALO – IT’S NOW SHINING BRIGHTER THAN EVER
The support you need when you need it most.
Income Protection Customer Guide
Our policies have all the features and options to shape your cover to your situation and budget.
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.
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.
Marilyn’s story
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.
PETE’S STORY
Why our terminal illness definition is better.
TOM’S STORY
Why our angioplasty definition is better.
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.
YOUR FINANCIAL PLANNING TOOLKIT – BENEFITS
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.
FORMS
All our forms can be completed with a digital signature, using DocuSign, Adobe, Alpha Trust or any other digital signature tool.
DEED TO ADD/REMOVE TRUSTEES FORM
This form is for Guardian policyholders with a Guardian Discetionary Split Trust who want to add or remove a trustee.
Data capture form
We only accept online applications. Use this form to capture your clients’ details when you’re not online.
Deed of Appointment
Direct Debit Guarantee
Please make sure your clients have a copy of this before they take out their policy.
TRUST FORM
This trust is for Guardian policyholders who have taken out a protection policy on their own life.
DECLARATION OF HEALTH – REINSTATEMENT
Your clients should complete this questionnaire if we ask you for a completed declaration of health for a policy reinstatement.
DECLARATION OF HEALTH – APPLICATION STAGE
Your clients should complete this questionnaire if we ask you for a completed declaration of health at application stage.
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.
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.
Income Protection cover amendment declaration
This form is for Guardian income protection policyholders who want to reduce their deferred period or increase their cover term.
PERSONAL CHANGES QUESTIONNAIRE – CHANGE IN BUILD
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.
PERSONAL CHANGES QUESTIONNAIRE – CHANGE OF JOB
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.
PERSONAL CHANGES QUESTIONNAIRE – CHANGE OF SPORTS ACTIVITY
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.
PERSONAL CHANGES QUESTIONNAIRE – TOBACCO AND NICOTINE REPLACEMENT
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.
QUESTIONNAIRE – FOR BOWEL DISORDER
Please answer the following questions about the disclosure of a bowel disorder or investigation on your application, giving as much detail as possible.
QUESTIONNAIRE – FOR EPILEPSY
Please answer the following questions about the disclosure of epilepsy on your application form, giving as much detail as possible.
QUESTIONNAIRE – FOR GYNAECOLOGICAL DISORDER
Please answer the following questions about the disclosure of a gynaecological disorder on your application, giving as much detail as possible.
QUESTIONNAIRE – FOR KIDNEY DISORDER
Please answer the following questions about the disclosure of a kidney disorder on your application, giving as much detail as possible.
QUESTIONNAIRE – FOR MENTAL HEALTH
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.
QUESTIONNAIRE – FOR MUSCULOSKELETAL DISORDER
Please answer the following questions about the disclosure of a muscular or skeletal disorder on your application, giving as much detail as possible.
QUESTIONNAIRE – FOR RESPIRATORY DISORDER
Please answer the following questions about the disclosure of a respiratory disorder on your application, giving as much detail as possible.
QUESTIONNAIRE – FOR THYROID DISORDER
Please answer the following questions about the disclosure of a thyroid disorder on your application, giving as much detail as possible.
QUESTIONNAIRE – FOR TUMOUR, CYST, GROWTH
Please answer the following questions about the disclosure of a tumour, cyst or growth on your
application, giving as much detail as possible.
Questionnaire for duty of disclosure – health
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.
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.