Separate Covers

The typical way

Often if you want separate life cover and critical illness cover it can be too expensive. So, many people apply for combined life and critical illness instead.

This means people who need to make a critical illness claim can be left without life cover, when arguably they may now have a greater need for it.

The Guardian way

We offer a multi-benefit discount when you apply for both life cover and critical illness cover on the same application.

This discount keeps the cost competitive against typical combined policies but gives you 2 potential pays outs.

So, if you ever need to make a critical illness claim, you’ll still have your life cover in place.

We also offer Combined Life and Critical Illness Protection. Your Financial Adviser will recommend the right policy for you.

joint life

The typical way

To benefit from the discounts offered with a joint policy, couples must take out the same amount of cover over the same term. And it only pays out once.

The person who's left now has no cover and may be uninsurable. Or, the insurance may be really expensive due to age.

The Guardian way

Our technology allows you to offer your clients a dual life policy, which means each person will have their own individual cover. But because they applied together, we give them a multi-life discount.

And because both of them have their own cover, if one claims the other will still be protected. So there could be 2 payouts.

children's critical illness

The typical way

Many providers automatically include children’s critical illness cover as part of the policy. The amount covered is usually limited to £25,000 or a maximum of 25% of the policy.

Everyone pays for it in the premium, whether they have children or not, and typically you can only have it with adult critical illness cover.

The Guardian way

At Guardian, we believe you should be able to flex this cover for your clients, switching on or off, choosing the amount and attaching it to any adult policy. That means it’s readily available for those who have children, but premiums are kept to a minimum for those who don’t. This is possible with our technology.

Children’s Critical Illness Protection can be added to any parent’s life, critical illness or combined life and critical illness policy. You can choose any amount between £10,000 and £100,000, to a maximum of the parent’s sum assured.

What’s more, it can be added to a policy at any time in the future, so a client’s cover can grow as their family grows. And it can be removed anytime too.

medical questions

The typical way

Many online protection application forms aren’t very clever.

They often take the user through a fixed journey. So if you tell the form your client has an existing condition, you need to wait until the end of the process before you’re asked about the condition in detail.

It’s hardly logical, costs you time and, if you’re with a client, it means you need to revisit a sensitive subject.

The Guardian way

All our questions are truly responsive.

Not only does our interface reconfigure to be useable on any digital device, but all health questions are asked in context.

That means, if you tell us your client has an existing condition, our smart form automatically responds to your answer and asks any further relevant questions at that precise moment in time.

You’ll never need to revisit the details of a condition at the end of the application form.


The typical way

Providers only offer you the choice of receiving your commission all indemnity or all non-indemnity.

This restricts you from being able to cover your upfront costs as well as building an ongoing income.

The Guardian way

We’ve got a fully flexible approach to commission.

You can choose on a case-by-case basis if you’d like to mix and match indemnity and non-indemnity commission, and you can choose which percentage for each you’d like to get.

Protection Builder lets you quickly update your commission preferences during the application – you can also sacrifice some or all of your commission.