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Many providers offer a joint life policy at a discounted price for couples. However, if one partner dies, the policy pays out and is then terminated which leaves the surviving partner with no cover.

At Guardian, we offer a dual life approach. Jon and Lizzie’s cover is kept separate so if one of them dies, the other is still protected.

If a client is diagnosed with a terminal illness, most providers will only pay out when a doctor confirms they have less than 12 months to live.

At Guardian, our Life Protection pays out if Jon or Lizzie is diagnosed with incurable stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes even if they’re expected to live for longer than 12 months.

We pay out if illness or injury prevents Jon from doing his actual job, not just his occupation. This is the actual job, or jobs, he performs for pay or profit on a regular basis, irrespective of his employer, the location or availability of work.

If we’re able to offer your clients cover, we’ll cover them for their own job. We don’t offer new clients an activities of daily working definition, as this rarely results in a successful claim.

Jon and Lizzie’s policy includes include Premium Waiver as standard with a 4-week deferred period.

If either becomes too ill to work, we’ll pay their premiums until they return to work. And we’ll also pay Lizzie’s premiums for up to 6 months if she’s made redundant, so long as their policy has been in force for a year.

Other providers offer Premium Waiver, but it’s an optional extra that you need to pay more for. The type of Premium Waiver depends on the type of cover your clients choose.

There’s more to a Guardian policy than a payout. Our claims service HALO offers tailored physical, mental health and legal support, to Jon and Lizzie, and their immediate family at point of claim.

Jon and Lizzie also benefit from Guardian Anytime, a service that gives them access to a GP 24/7, UK-based face-to-face second medical opinions, and over the phone consultations for emotional wellbeing and aches and pains.