We believe every family deserves quality protection, but we know that one size doesn’t fit all and that people have different priorities. That’s why we offer 2 product ranges.

Our Essentials range raises the standard of standard cover, it’s tailored to clients who want quality cover at a more affordable price.

Our Protection range is our signature range, it’s designed for clients who want enhanced cover and quality features.

So, whether your priority is your budget or the highest level of protection, we have cover to suit you.

Our Protection range offers some of the highest quality protection on the market. Here’s why:

Life Protection: Our terminal illness definition goes further. While most policies only pay out if you have less than 12 months to live, our Life Protection pays out when you’re diagnosed with incurable stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes even if you’re expected to live for longer than 12 months. That way, you can make the most of the time you have left without worrying about the financial impact your death will have on your loved ones.

Critical Illness Protection: Designed for fairer payouts. In most cases, we only need confirmation from a UK Consultant to pay out, and we also provide additional payouts for many illnesses diagnosed in the early stages.

Income Protection: Many policies pay out if you can’t perform your occupation. We pay out if you can’t do your actual job, this means any claim is less open to interpretation and gives greater certainty if you need to claim.

Many providers offer a joint life policies for couples. However, if one partner dies, the policy pays out and then ends which leaves the surviving partner with no cover.

At Guardian, we offer a dual life approach. Couple’s cover is kept separate so if one of them dies or is diagnosed with a critical illness, the other is still protected.

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.

We offer Children’s Critical Illness Protection as an optional extra. It covers natural, step or adopted children, as well as any child you have parental responsibility for, including those in blended families.

It can be added to either parent’s life, critical illness or income protection policy at any time, with the level of cover you choose.

If you choose Critical Illness Essentials and Combined Life and Critical Illness Essentials, you have built-in children’s cover as part of your policy, but you can still choose to add any amount for Children’s Critical Illness Protection to your policy. The built-in children’s critical illness cover on the critical illness covers in our Essentials range is different to Children’s Critical Illness Protection. Please speak to your Financial Adviser about the differences.

If you choose a cover from our Essentials range and you become too ill to work and your income reduces, we’ll pay your premiums until you return.

And if you choose a product from our Protection range it’s even better. We’ll also pay your premiums for up to 6 months if you’re made redundant or take maternity or paternity leave, once you’ve had your policy for a year.

This is called Premium Waiver. Many providers charge extra for it, but we include it as standard.

There’s more to a Guardian policy than a payout.

Our claims service HALO offers invaluable support to you and your loved ones during a claim.

And Guardian Anytime gives you access to a GP 24/7, experts for second medical opinions, emotional wellbeing consultations and assessments to help alleviate and prevent general aches and pains, without the need to claim.

With our Payout Planner, you can take important steps during the application to help make sure any payout reaches the right people quicker.

By nominating beneficiaries, any payout can be kept outside of your estate, helping to avoid probate delays and potential inheritance tax.