Optional
Children's Critical illness protection
Reasons to recommend
- Definitions designed to pay
- More efficient payouts
- Add to any adult policy – anytime
- Higher cover amounts
- Immediate cover on application
- Cover upgrade promise
Our Products
Whether you recommend our combined cover or our stand-alone covers, you can add Children’s Critical Illness Protection into the mix when required.
Unlike other providers, we don’t automatically include a limited amount with adult critical illness cover. Instead, you can add our Children’s Critical Illness Protection to any adult cover, at any time. And you can select any amount between £10,000 and £100,000, limited to the parents’ cover amount.
An optional addition to any adult cover
Guaranteed
Lump sum
Level Cover or Increasing Cover (RPI)
Definitions designed to pay
Our focus is on providing the best possible cover for the most common illnesses. We aim to make our definitions clearer and more all-encompassing than the rest of the market. And, in many cases, the word of a UK Consultant is all we need to pay out.
FAIRER APPROACH
Some providers don’t offer policyholders a choice – they automatically include children’s critical illness cover (usually £25,000) within an adult policy. The costs are included in the adult premium, so people pay for children’s cover whether they want it or not. At Guardian, we take a fairer approach. Our Children’s Critical Illness Protection is an optional extra, so your clients only pay for it if they want it.
ADD TO ANY ADULT POLICY - ANYTIME
Children’s Critical Illness Protection is an optional extra. We cover the policyholder’s and their partner’s natural, step or adopted children and those for whom they’re the legal guardian or have been granted parental responsibility. So customers can protect children who are part of their blended family. And they’re covered from birth to age 23.
Higher cover amounts
Typically, children’s cover is limited to £25,000 because providers automatically include it in the adult cover. But, because we offer Children’s Critical Illness Protection as an optional extra, you can select any amount of cover between £10,000 and £100,000, limited to the parent’s cover amount. What’s more, if the parent has Increasing Cover, we’ll apply it to the children’s cover too.
COVER UPGRADE PROMISE
We believe existing customers should be treated as well as new ones. Our cover upgrade promise is our promise to policyholders that if we improve our critical illness definitions for new policyholders after their cover has started, we’ll give those improved definitions to them as an existing policyholder.
This means they can claim on any of the definitions listed in their policy terms and conditions, or any improved definitions we subsequently add.
In April 2025 we improved our critical illness definitions and emailed all our existing critical illness policyholders to let them know they could benefit from the new and improved definitions under our cover upgrade promise. You can view a copy of the email we sent here.
Immediate cover
If your clients are eligible, and their cover can’t start right away, we may put Immediate Cover in place for them. This is temporary cover, of the same type you’ve applied for, and it starts as soon as you submit the application online to make sure there are no gaps in your clients’ protection. Immediate Cover applies to all covers except for Income Protection and Life Essentials is limited to £300,000 before we offer terms.
