Guardian Life Insurance
Guardian Life Insurance was founded in 1860 in New York City. In 2018 it was sold to Gryphon Group Holdings, launching the Guardian brand as a new life insurance provider in the UK.
Guardian Life insurance offers standard cover with several features that make it stand out from its competitors.
“At Guardian we believe the single most important thing about a protection policy is that it pays out quickly when you expect it to. So, we do a number of things differently to make sure our policies do just that.”
-Guardian
Their reputation and customer service rating are strong, dedicated to honouring their commitments, focusing on new ideas and building relationships with their customers and partners.
“Protection is one of the most valuable gifts you can give your family. It guarantees their financial security if you die or become too ill to work”
-Guardian
• 2021 Winner of The Finance Planning Group: Protection Provider of the Year 2020
• 2020 5 Star Award Financial Adviser Service: Pensions & Protection
• 2020 Winner Cover Excellence Awards: Best Individual Critical Illness
• 2020 Winner Paradigm Awards: Best Critical Illness Provider
• 2019 Protection Review Awards: Best New Product
• 2019 Winner LifeSearch Awards: Innovator of the year
Types of cover include:
• Life Insurance
• Term Insurance
• Joint Insurance
• Critical Illness Insurance
• Income Protection Insurance
Additional Benefits of Guardian Life Insurance:
• Guardian offers a unique Joint Life Insurance cover. Traditionally Joint Life pays out when the first partner dies, leaving the surviving partner uninsured. The Guardian’s Dual Life Cover packages two single policies into one menu plan.
• If you’re diagnosed with a terminal illness, most providers will only pay out when a doctor confirms you have less than 12 months to live. Guardian will pay-out as soon as 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.
• If Guardian upgrade their critical illness definitions, every existing customer is entitled to benefit from the improvements.
• Premium Waiver is included as standard whereas other providers offer it as an optional extra that you need to pay for.
• Guardian Life Insurance offers greater flexibility for policyholders who want to borrow against the cash value accumulated in their whole life insurance policies.
Guardian Anytime is a comprehensive package offering free services including:
• Dedicated support from a nurse after being diagnosed with a serious illness.
• 24 / 7 remote GP service.
• A second medical opinion to discuss the diagnosis or treatment options if you (or your child, if you’ve added child cover) develop a serious illness.
Guardian HALO offers free support packages including:
• Return-to-work support
• Finding a solicitor to handle probate
• Bereavement counselling
• Counselling to help families cope with serious illness
• Therapies to ease the consequences of treatments
• Help to draw up a power of attorney
• Speech therapy
Get a quick quote now.
Nationwide Life insurance
How would your loved ones manage financially if the worst should happen?
With life insurance to provide important financial protection for your family and for you.
- Cover for you if you die during the policy length.
- Flexible if your circumstances change.
- Option to include Critical Illness
- Cover from the start (additional premium applies).
Mortgage life insurance
How would your mortgage be paid if you died?
With Nationwide life insurance to help protect your mortgage, it could be one less thing to worry about.
- Options to suit your mortgage product.
- Helps to pay off your mortgage if you die during the policy length.
- Option to include Critical Illness Cover from the start (additional premium applies).
Income Protection Benefit
How would you cover your monthly living costs if you were unable to work?
If you’re concerned about the financial effects of being out of work due to incapacity caused by an illness or injury, you could get cover to provide a monthly benefit while you recover.
- Choose length of cover you need.
- Choose level of benefit.
- Choose when payments start.
Helping you make sound
financial decisions
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Losing a loved one is never easy…
but having life insurance in place can ease the financial burden at an emotionally difficult time. Our team of protection specialists can help you find the RIGHT policy at the RIGHT price. We even help you put your policy into TRUST for FREE which could protect it from the TAXMAN. Simply fill out the form and we will get everything ready and start preparing your quotes.
Ask Yourself:
- Who would pay the rent or mortgage if you were to pass away suddenly?
- Who would pay your children’s university fees or provide money for childcare whilst your surviving partner goes out to work?
- Who would provide the money for your family’s food, clothing or lifestyle?
- Who would pay for your funeral or clear your debts?
These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.
We don’t talk to people like they’re just a number
Our expert advisers help people make informed decisions through expert financial advice.
Get Covered in 3 Easy Steps
1
Tell us how much money you would need to financially protect your loved ones
2
We will call you to discuss your options and provide comprehensive free quotes
3
You decide which policy to take and get protected today with no medicals or forms
We Provide Complete Cover For:
Life Insurance
Make sure your family have financial security in the event of your passing…
Income Protection
Protect your income if you’re unable to work due to illness or injury…
Critical Illness
Get a lump sum payment if you’re diagnosed with a serious illness…
Enjoy Life Insurance with Rewards
You can use InsuredLife Rewards in hundreds of retailers across the UK, including all the major high street names. The benefits packages available include Digital Vouchers, Re-loadable Gift Cards, Online Cashback and Online offers.
Get covered today and access your rewards…
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?