Guardian Life Insurance Review
👉 Don't delay taking out life insurance. Get a free consultation to get great affordable cover today!


✅  FREE consultations by our experienced advisers
✅  All the searching and paperwork done for you
✅  Top-notch affordable life cover
✅  Critical illness, income protection and more
✅  Underwritten by UK's leading insurers




Guardian Life Insurance

Introduction to Guardian

Guardian Life Insurance is a renowned insurance brand with over 200 years of experience in protecting families. Founded in 1821 as Guardian Fire & Life, the company has evolved and is now dedicated to providing life insurance solutions.

History of Guardian

Established in 1821 as Guardian Fire & Life, renamed Guardian Assurance Company in 1902, and underwent subsequent mergers and acquisitions. In 2018, Gryphon Group Holdings re-launched Guardian as a new protection insurance provider.

Guardian Life Insurance Policy Review

Guardian Life Insurance offers comprehensive coverage with unique features:
  • Life Cover and Terminal Illness Cover: Critical Illness cover can be added.
  • Policyholders Age: Available between 18 and 65 years.
  • Types of Cover: Level, Decreasing, Increasing, and Family Income Benefit policies.
  • Policy Term: Can range from one to 72 years.
  • Maximum Age: Policy must end before age 90.

Guardian Life Insurance Overview

Guardian offers various types of cover with the following details:
  • Types of Cover Offered:
    • Term Life Insurance
    • Decreasing Term Life Insurance
    • Increasing Term Insurance
    • Family Income Benefit
  • Minimum Age Entry: 18 years old
  • Maximum Age Entry: 65 years old
  • Maximum Benefit: £15,000,000
  • Terminal Illness Cover: Yes

Guardian Life Insurance Key Benefits

  • Faster Critical Illness Cover Payouts: Quick payout upon diagnosis from a UK consultant.
  • Faster Life Protection Payouts: No doctor confirmation required for certain terminal illnesses.
  • Joint Policy Double Payout: Couples receive a joint policy discount.
  • Premium Waiver: Premiums paid during illness or redundancy.
  • Digital GP (Guardian Anytime): 24/7 access to a GP and second medical opinion.
  • Claims Support (HALO): Offers support during claims.

How to Make a Claim

To make a claim, call Guardian at 0808 173 1821. Guardian will guide you through the process and provide support via their Claims Specialist (HALO).

Frequently Asked Questions

  • Out-living Term Life Insurance: No payout if alive at term end; lower premiums.
  • Difference Between Over 50’s and Whole of Life Cover: Disclosure of medical information affects premiums; Whole of Life cover cheaper in the long run.
  • Adding Critical Illness to Life Insurance: Critical Illness cover can be added to life insurance.
  • Beneficiaries for Young Children: Policy can be written into trust for children's benefit.
  • Cost for Smokers and Vapers: Premiums higher for smokers and vapers due to health risks.
  • Premium Stability: Guaranteed and reviewable premium options available.
  • Tax on Life Insurance Payout: Life insurance payout is not taxable.

Guardian Life Insurance provides comprehensive coverage with unique benefits and support. Contact Guardian for personalised advice and quotes.
Terms and conditions apply to all offerings mentioned.
senior-junior-life-insurance

One of the most effective ways to protect family's finances

Many UK families still don’t realise that life, income protection and critical illness insurance is one of the most effective and efficient ways to protect their family's finances

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays 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 financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
summer-family-life-insurance

What do I need to get a life insurance quote?

To get a life insurance quote, you’ll just need to tell us:

  • your name
  • date of birth
  • whether you are a smoker or use nicotine substitutes
  • who do you want to protect
  • and your preferred contact details

The options our advisers provide will also address extras you might want to consider, such as critical illness or income protection cover

It's as easy as 1, 2, 3!

1. Complete a brief form

2. Our experts will find and discuss your quotes

3. Enjoy your protection!

...
...
...


dinner-family-life-insurance

Get free consultations about the best life insurance for you

We work with only FCA-authorised and even experienced insurance brokers, who will only offer matching products. They search the whole market, including large well-known brands and smaller insurance providers, so you can get the best coverage at the right price.

...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly expert partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind!

Select your age to see what cover you qualify for



Secure | Safe | Privacy Protected



The guidance contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. A FCA regulated expert will contact you after you submit your details to discuss further. WeCovr is a trading style of Political And Credit Risks Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 735613.