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In this comprehensive Guardian Life Insurance Review, we delve into the world of Guardian Financial Services Limited, a renowned UK-based financial services company (registered in England and Wales under number 11115769) that offers an impressive array of life insurance products tailored to meet the diverse needs of its customers. As an appointed representative of Scottish Friendly Assurance Society Limited, Guardian is committed to providing its clients with top-notch services, including Life Protection, Critical Illness Protection, Combined Life and Critical Illness Protection, Income Protection, and the optional Children’s Critical Illness Protection. With a strong focus on flexibility, Guardian empowers customers to select the ideal protection level that aligns with their unique requirements.
Guardian Life Insurance provides a variety of products designed to meet the specific needs of their customers. These products include:
This policy offers financial security to your family if you pass away. Guardian Life Protection offers a lump sum payout or a monthly income, ensuring that your loved ones are left with a comfortable home and lifestyle rather than debts and financial worries.
This policy provides a financial payout if you are diagnosed with a critical illness, such as heart attack, stroke, or cancer. Guardian Critical Illness Protection offers a lump sum payout, helping you cope during a challenging and uncertain time.
This policy offers a single payout if you die, become critically ill, or are diagnosed with a terminal illness. Guardian Combined Life and Critical Illness Protection provides financial security for your loved ones in the event of your death or serious illness.
This policy provides a lump sum payout if your child is diagnosed with a critical illness, helping you cover the costs of their care and treatment. Guardian Children’s Critical Illness Protection can be added to your existing Guardian policy at any time.
This policy offers a monthly income if you are unable to work due to illness or injury. Guardian Income Protection ensures that you can continue to pay bills and maintain your lifestyle until you are well enough to return to work.
There are a range of benefits to choosing Guardian as your life insurance provider. For instance:
The company’s aftercare service, HALO, encompasses many of these features. It’s clear that Guardian is customer-focused and works to ensure that you and your family are cared for and supported throughout the claims process.
We compare plans from the leading life insurance providers
|Policy Payout Conditions
|Guardian will pay out your insurance if you: Die or are diagnosed with a terminal illness.
|Income Protection, Critical Illness Protection, Combined Life and Critical Illness Protection, Children’s Critical Illness Protection (optional extra cover that can only be taken out with a core cover), and Life Protection.
|Single Cover, Joint Life (Single Cover provides cover for one person, while Joint Life provides cover for two people under one policy.)
|Terminal Illness Cover
|Critical Illness Cover
|Minimum Entry Age
|Maximum Entry Age
Guardian Life Insurance UK has consistently received top ratings for its range of life insurance products, reflecting the company’s commitment to providing excellent coverage and peace of mind to its policyholders. Defaqto, an independent financial research company, has reviewed and rated Guardian Life Insurance UK’s plans. All of the plans offered by the company achieved a 5-star rating, the highest possible score awarded by Defaqto.
A 5-star Defaqto rating signifies that the insurance products are among the best in the market, offering a comprehensive range of features and benefits to the policyholders. Here’s a summary of the ratings for each type of plan offered by Guardian Life Insurance UK:
These exceptional ratings from Defaqto demonstrate Guardian Life Insurance UK’s commitment to offering comprehensive and high-quality life insurance products. Policyholders can trust that they are receiving top-notch coverage and benefits when they choose Guardian Life Insurance UK.
The cost of a life insurance policy will depend on various factors, including your age, occupation, smoking status, health, and medical history. It’s essential to be truthful and honest when disclosing this information to Guardian, as your family and loved ones could have a claim declined if the company finds a breach of contract.
It’s always best to contact the company directly to get an exact quote, but to give you an idea of the costs involved with life insurance, here is an example:
If you feel that the quoted premiums are too high, you should look to improve the factors under your control. Smoking, for example, has a significant effect on your insurance costs. If possible, you should also start living a healthier lifestyle and lose weight. Improving your overall health is one of the best ways to lower insurance costs.
In addition, shopping around for a policy will ensure that you find the best deal. You can do this through an insurance broker or a price comparison site. The first few quotes you receive aren’t always the best on the market, so make sure to look around.
To make a claim on a Guardian Life Insurance Protection Policy in the UK, follow these steps:
Throughout the process, keep in touch with your Financial Adviser or Guardian’s Claims Team to ensure you understand the steps and requirements, and to address any questions or concerns you may have.
If you’re seeking an insurance provider with heritage and a track record of paying out claims, Guardian could be the company for you. The company’s Halo support package can be a fantastic source of help for you and your family during what would be a difficult period. From buying a policy to making a claim, the company’s customer service team is always available to help you during the process.
On the other hand, Guardian isn’t the right company if you’re seeking a whole life insurance policy or an Over 50s policy, since it doesn’t currently offer those solutions.
|Critical illness (standalone)
|Critical Illness Protection
|Critical illness (decreasing)
|Life Protection & Critical Illness Protection
|Critical illness (level term)
|Life Protection & Critical Illness Protection
|Life assurance (decreasing)
|Life assurance (level term)
|Defaqto ratings were reviewed on 01/10/2023