The typical way

Most providers allow policyholders to increase their existing cover using a guaranteed increase option (GIO) should a key life event take place.

However, the process is far from easy. Often, providers require a new application with new medical evidence and age limits are applied.

The result is GIOs are rarely taken out.

The Guardian way

At Guardian, we offer most policyholders the chance to add to their cover for key life events with no underwriting, no medical evidence, no application form and no age limit.