SKIP TO MAIN CONTENT
Variant2

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-logo

ESSENTIALS

Our standard range, ideal for clients who want quality cover at a more affordable price.

Protection-logo

PROTECTION

Our signature range, ideal for clients who want enhanced cover with quality features.

LIFE ESSENTIALS
LIFE PROTECTION

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.

LIFE PROTECTION LIMITS

Term

1 to 72 years

Age when cover starts

18 to 64

Age when cover ends

90

Amount

£15 million (higher amounts may be available by contacting us directly at underwriting@guardian1821.co.uk)

Non-medical Limits

Requirement levels Up to age 30 Age 31-40 Age 41-50 Age 51-60 Age 61-64
Nil Up to £1,000,000 Up to £770,000 Up to £550,000 Up to £330,000 Up to £100,000
Level A £1,000,001 - £1,500,000 £770,001 - £1,500,000 £550,001 - £1,000,000 £330,001 - £650,000 £100,001 - £400,000
Level B £1,500,001 - £3,000,000 £1,500,001 - £3,000,000 £1,000,001 - £2,000,000 Not applicable Not applicable
Level C Not applicable Not applicable Not applicable Not applicable £400,001 - £1,500,000
Level D £3,000,001 - £7,500,000 £3,000,001 - £7,500,000 £2,000,001 - £4,000,000 £650,001 - £2,500,000 Not applicable
Level E £7,500,001 - £10,000,000 £7,500,001 - £10,000,000 £4,000,001 - £10,000,000 £2,500,001 - £10,000,000 £1,500,001 - £10,000,000
Level F £10,000,001 or more £10,000,001 or more £10,000,001 or more £10,000,001 or more £10,000,001 or more
Requirement levels
Nil Up to £1,000,000
Level A £1,000,001 - £1,500,000
Level B £1,500,001 - £3,000,000
Level C Not applicable
Level D £3,000,001 - £7,500,000
Level E £7,500,001 - £10,000,000
Level F £10,000,001 or more
Nil Up to £770,000
Level A £770,001 - £1,500,000
Level B £1,500,001 - £3,000,000
Level C Not applicable
Level D £3,000,001 - £7,500,000
Level E £7,500,001 - £10,000,000
Level F £10,000,001 or more
Nil Up to £550,000
Level A £550,001 - £1,000,000
Level B £1,000,001 - £2,000,000
Level C Not applicable
Level D £2,000,001 - £4,000,000
Level E £4,000,001 - £10,000,000
Level F £10,000,001 or more
Nil Up to £330,000
Level A £330,001 - £650,000
Level B Not applicable
Level C Not applicable
Level D £650,001 - £2,500,000
Level E £2,500,001 - £10,000,000
Level F £10,000,001 or more
Nil Up to £100,000
Level A £100,001 - £400,000
Level B Not applicable
Level C £400,001 - £1,500,000
Level D Not applicable
Level E £1,500,001 - £10,000,000
Level F £10,000,001 or more

For family income benefit we’ll calculate the amount of cover as: monthly benefit x 12 x term x 66%

Medical underwriting limits

Level A Nurse screening + finger prick blood test or traditional blood draw to include 
glucose and total cholesterol
Level B Nurse screening + blood test 1
Level C Nurse screening + blood test 2
Level D Nurse screening + blood test 1 + general practitioner's report
Level E Medical examination report + blood test 2 + general practitioner’s report + exercising ECG (replace exercising ECG with NT-Pro BNP blood test up to age 40)
Level F Medical examination report + blood test 2 + HIV + general practitioner’s report + exercising ECG (replace exercising ECG with NT-Pro BNP blood test up to age 30)
Level A Nurse screening + finger prick blood test or traditional blood draw to include 
glucose and total cholesterol
Level B Nurse screening + blood test 1
Level C Nurse screening + blood test 2
Level D Nurse screening + blood test 1 + general practitioner's report
Level E Medical examination report + blood test 2 + general practitioner’s report + exercising ECG (replace exercising ECG with NT-Pro BNP blood test up to age 40)
Level F Medical examination report + blood test 2 + HIV + general practitioner’s report + exercising ECG (replace exercising ECG with NT-Pro BNP blood test up to age 30)
  • Cotinine tests included with all nurse screenings and medical examinations for non-smokers
  • Blood test 1 – Biochemistry & HbA1c
  • Blood test 2 – Biochemistry, haematology & HbA1c

Financial evidence limits

Evidence required Limit
None Up to £1,500,000
Financial questionnaire £1,500,001 – £3,500,000
Independent third party More than £3,500,000
Evidence required
None Up to £1,500,000
Financial questionnaire £1,500,001 – £3,500,000
Independent third party More than £3,500,000

Smoking categories

A smoker is someone who has used a tobacco product or nicotine replacement product such as e-cigarettes.
We have 3 categories for smoking-related premiums:

  • Current user
  • No usage in the last 12 months
  • No usage in the last 5 years

If your client was a smoker and stops smoking or stop using tobacco or replacement products for a period of 12 months, we’ll reassess their cover and may be able to reduce their premium accordingly. We’ll also reassess their cover after they’ve stopped for 5 years and may be able to reduce their premiums further if you contact us to confirm.

Body Mass Index (BMI) Limits

The tables below show the premium rating we’ll apply to your clients Life Protection policy for their BMI.

Please note these are just the ratings for BMI and other factors are taken into account when underwriting for build, for example pregnancy, body shape or unexplained weight loss. Our underwriters may ask for further information in those situations which might lead to a different decision. If you’d like more information before you submit an application call us on 0808 133 1821.

BMI minimumBMI min BMI maximumBMI max Expected
up to 15.999 Decline
16 16.999 50% rating
17 30.999 Standard
31 32.999 25% rating
33 34.999 50% rating
35 36.999 75% rating
37 38.999 100% rating
39 40.999 150% rating
41 41.999 175% rating
42 53.999 Decline
BMI minimumBMI min BMI maximumBMI max Expected
up to 15.999 Decline
16 16.99 75% rating
17 17.999 50% rating
18 31.999 Standard
32 33.999 25% rating
34 36.999 50% rating
37 38.999 75% rating
39 41.999 100% rating
42 54.999 Decline
BMI minimumBMI min BMI maximumBMI max Expected
up to 15.999 Decline
16 16.999 100% rating
17 17.999 50% rating
18 33.999 Standard
34 36.999 25% rating
37 38.999 50% rating
39 40.999 75% rating
41 41.999 100% rating
42 54.999 Decline
WHY US
TOOLS AND LITERATURE
QUICK INDICATION<br/>TOOL

QUICK INDICATION
TOOL