LIFE COVER
Guardian’s life cover helps provide financial protection for your client’s family if they die or are diagnosed with a terminal illness.
We offer 2 life covers:
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.
Product overview
Policy details
Basis: Single or dual life
Premiums: Guaranteed
Pay outs: Lump sum or monthly income
Type of cover: Level Cover, Increasing Cover (RPI), Decreasing Cover (8%), Family Income Benefit
Minimum age at entry: Age 18
Maximum age at entry: Age 64
Age when cover ends: 90
Minimum cover amount: £10,000
Max cover amount: £15 million
Key Product Features
Terminal Illness: Market-leading definition that pays on certain conditions even if the client is expected to live longer than 12 months.
Dual Life: Both partners’ cover is kept separate.
Premium waiver: Comes as standard with every policy
Optional Children’s Critical Illness Protection: Can be added to an adult policy anytime
Payout Planner: Nominate beneficiaries so any payout bypasses probate.
Protection Menu: Can be combined with our other cover types.
Lifestyle promise: Increased premiums reviewed if customer stops smoking, loses weight, changes job, or gives up sports activities.
Immediate cover: Clients covered for a maximum of £1,000,000 before we offer terms.
Guaranteed increase option: Increase cover with no underwriting, medical evidence, or application.
Additional Services
HALO: Access to tailored medical and legal support at the point of claim
Anytime: At no extra cost access to a GP 24/7, second medical opinions, wellbeing consultations and assessments, anytime without the need to claim.
