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

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

Lorna’s policy includes Premium Waiver as standard with a 4-week deferred period.

If Lorna becomes too ill to work, we’ll pay her premiums until she returns to work. And we’ll also pay her premiums for up to 6 months if she’s made redundant, so long as her 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 client’s choose.

Our Payout Planner means Lorna can nominate beneficiaries and allocate a percentage of any potential Life cover payout to each beneficiary during the application process.

This makes sure the proceeds of any life cover claim reaches her beneficiaries, without having to wait for probate. Lorna uses Payout Planner to nominate her 2 children as beneficiaries, giving them each 50% of her pay out if she dies.

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

Lorna also benefits 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.