Our underwriting philosophy

Like all good ideas, it's a simple one.

We have a single question-set underwriting philosophy and that gives you the power to increase or add new cover on the same terms as the initial cover for up to 27 months, subject to a few simple questions, regardless of what cover your clients bought.

The amount depends on eligibility and how much cover was originally taken out – but could be up to a further £250,000 for Life Protection and £100,000 for Critical Illness Protection so long as the total cover doesn't go over non-medical limits.

We call it Reserved Cover and it's specifically designed to help you continue the protection conversation and make increasing your clients' cover effortless.

How Reserved Cover works.

  1. Our single question set allows us to automatically underwrite clients for the maximum amount of all types of cover.
  2. Any cover not taken out on day is then reserved for your client for a further 27 months on the original terms.
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Reserved Cover is unique to Guardian.

It gives you the power to increase existing cover and add new types of cover, effortlessly.

Julie Hopkins

Director of Underwriting & Claims Strategy

underwriting Qi

Underwriting question? Just ask…

Qi is the tool that gives you a quick indication of the terms, medical evidence requirements and exclusions for a client with an existing condition.

It uses the same rules as our underwriting engine, arming you with all the facts before you quote and apply.

So, there’s no need to speak to an underwriter.

The answer's in your hands.

Qi is available on your personal dashboard. You need to register with us to access it.