Perfect match
Products have unique features,
designed to bring good advice to life.
2 RANGES. TOTAL FLEXIBILITY
We offer 2 product ranges for different client priorities, with the flexibility to mix covers across both.
ESSENTIALS
Our standard range, ideal for clients who want quality cover at a more affordable price.
PROTECTION
Our signature range, ideal for clients who want enhanced cover with quality features.
UNCOMPROMISING SERVICE FOR ALL
FAST UNDERWRITING
Both ranges benefit from the speed and expertise of our expert Underwriters.
CLAIMS SERVICE
Claims start by phone with no forms required, and are handled by a dedicated specialist with HALO support.
5-STAR SERVICE
Every client benefits from the same level of service; the best. And FT Adviser agrees. They’ve awarded us a 5-star service award every year since we launched.
ESSENTIALS
Our Essentials range raises the standard of standard cover.
Designed for clients who want quality cover at a more affordable price.
Critical Illness
Protection
Quality critical illness cover at a more affordable price.
Combined Life and Critical
Illness Essentials
Quality life and critical illness cover at a more affordable price.
All the covers in our Essentials range benefit from key Guardian features:
DUAL LIFE FOR COUPLES
We keep couples’ cover separate, so if one person makes a claim, their partner’s cover remains in place.
PREMIUM WAIVER BUILT IN
Premium Waiver is included as standard. With our Essentials range, we’ll waive premiums after 26 weeks if your client is unable to work due to illness or injury.
PAYOUT PLANNER
Means any life payout doesn’t form part of the policyholder’s estate, bypasses probate and avoids potential long delays.
PROTECTION
Our Protection range goes above and beyond.
Designed for for clients who want enhanced cover with quality features.
Combined Life and Critical
Illness Protection
Enhanced life and critical illness cover with quality features.
Children’s Critical
Illness Protection
Cover that can be added to any adult life, critical illness or income protection policy.
All covers in our Protection range benefit from key Guardian features:
DUAL LIFE
FOR COUPLES
We keep couples’ cover separate, so if one person makes a claim, their partner’s cover remains in place.
PREMIUM WAIVER
BUILT IN
Premium Waiver is included as standard. With our Protection range, we’ll waive premiums after 28 days if your client is unable to work due to illness or injury. We’ll also waive premiums for up to 6 months for maternity/paternity leave of if your client involuntarily loses their job.
PAYOUT
PLANNER
Means any life payout doesn’t form part of the policyholder’s estate, bypasses probate and avoids potential long delays.
ADDITIONAL SERVICES FOR ALL
Tailored medical, counselling, and legal support for clients and their families at the point of claim.
Free access to a GP 24/7, a 2nd medical opinion, emotional wellbeing and aches and pains consultations.
HALO and Guardian Anytime don’t form part of your client’s contract with us, and we can change or remove the benefits included at any time.