Discover Life Insurance from Guardian
We work with hundreds of life insurance providers, matching you to the right insurer. You deserve long-lasting protection that promises to take care of your family.
Choosing a life insurance policy should be easy
Getting a quote for life insurance online is easy, but it’s harder to ensure you’re getting the right policy for your needs.
That’s where our experts come in.
We have relationships with life insurance companies all over the UK, so we know where to send you if you want to protect your family’s finances.
You deserve an insurance company with low premiums and the best protection possible. An insurance company that has a history of paying out. And a company that says it will always do what’s best for you.
If we suggest a certain life insurance plan, it’s because we think the company is a good fit for you and your family. We’re confident that they will look after you the way you deserve.
At The Insurance Surgery, we are committed to giving you all the information you need to make an informed choice. So, we want to tell you what we think about Guardian, a modern insurance company with a 200+-year-old history.
In our Guardian Life insurance review, we’ll look closely at who they are and what they cover to figure out why Guardian Life Insurance policies are so popular.
Who is Guardian?
Guardian has been a trusted partner for families and business owners for more than 200 years, giving them peace of mind that their finances are taken care of.
In 1821, the company was called Guardian Fire and Life. Over time, the company went through many changes. In 1968, it merged with Royal Exchange Assurance to become Guardian Royal Exchange. After it went out of business in 2016, Gryphon Group Holdings brought it back in 2018.
The company only works with financial advisors and has a wide range of insurance policies, such as Life Protection, Critical Illness Protection, Combined Life and Critical Illness Protection, and Children’s Critical Illness Protection covers.
How good is Guardian life insurance?
Guardian’s heritage and rich understanding of how to create life insurance policies for individuals has seen them scoop numerous awards, including:
Lifesearch
- Leading Product Innovation Award (March 2023)
The Finance Planning Group
- Protection Provider of the Year 2022 (January 2023)
Protection Review
- Underwriting And Claims Award (December 2022)
- Highly Commended for Best Adviser Marketing by An Insurer
- Financial Adviser Service Awards
- Pensions & Protection: 5 Stars (November 2022)
Cover Excellence Awards
- Outstanding Individual Life Insurance (November 2022)
Protection Guru Awards
- Protection Guru Doctor’s Award (October 2022)
- Best Insurer for Protecting Clients with Families (October 2022)
- Best Insurer for Protecting a Mortgaged Client (October 2022)
- Highly Commended for Best Insurer for Keeping Clients Protected
Guardian Life Insurance options
Guardian’s primary business is life insurance.
There are many different types of life insurance plans to choose from. Thanks to their flexible protection menu, you can choose between an array of insurance plans that complement each other or standalone policies.
Not sure what you’re looking for?
Our trained insurance specialists will work with you to recommend your family’s most appropriate insurance plan.
Life protection
Life Protection pays out money to your family if you die while your policy is still in effect.
There are four types of cover: level cover, decreasing cover, increasing cover, and family benefit cover.
Critical illness protection
Guardian’s Critical Illness Protection covers you for a wide range of serious, life-changing illnesses, including heart attacks, strokes, and cancer. The insurance will give you peace of mind that your income will be protected, giving you enough time to focus on your health and recovery without worrying about the bills.
Children’s critical illness protection
Taking care of a child who is seriously ill can incur many costs. You might have to take time off work to care for them, and you might have to pay for things you didn’t expect to pay for.
With the money from a critical illness policy for children, you can give your child the best care possible without thinking about money. A child’s critical illness plan will help you to focus only on your child and their recovery.
Income protection
Income Protection covers any illness or injury that keeps you from doing your job. This differs from Critical Illness Protection, which only covers a list of critical conditions.
Guardian’s income protection policies can offer level or increasing cover – a plan that will help you cope with inflation rises. Both plans will give you a set amount of money every month until you are well enough to return to work or until the end of your chosen payment period. Also, once you get better, the policy stays in place for as long as your policy term, so you can make another claim if you get sick or hurt again and can’t work.
Why choose Guardian Life Insurance?
Guardian Life Insurance has many different insurance plans to meet your needs. They are proud of how flexible they are, which puts you in charge of your financial security.
Payouts for critical illnesses more quickly. Guardian insurance will pay out if they have a written diagnosis from a UK Consultant. They also pay an extra percentage of your cover amount for many illnesses in their early stages rather than waiting until they reach a critical state.
A proven track record of life insurance payouts. Guardian will pay out as soon as you are diagnosed with incurable stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease, or Parkinson-plus syndromes, even if you are expected to live longer than 12 months. Guardian wants you to enjoy the time you have left without worrying about how your death will affect your family’s finances.
Comprehensive couples life insurance. Many insurance companies offer couples a discount on a joint life insurance policy. But if one partner dies, the policy pays out and ends, leaving the other partner without insurance. Guardian focuses on dual-life insurance plans, which offer a discounted rate, but each policy is kept separate. If one person dies or gets a critical illness, the other is still covered.
Premium waivers as standard. If you get sick and can’t work, Guardian will pay your insurance premiums until you get better. As long as your policy has been in effect for a year, we’ll also pay your premiums for up to 6 months if you lose your job or go on maternity or paternity leave. This offers peace of mind to those keen to start a family and are concerned about their finances. Unlike other insurance providers, Guardian’s premium waivers are not an optional extra; they are built into every policy.
How much does Guardian life insurance cost?
The price of your life insurance advisors life insurance policy will depend on things like your age, your health, and how much coverage you need.
life insurance advisors Guardian life insurance policies are only eligible via financial advisors. That’s because Guardian wants their policies to fulfil your exact needs.
How to buy a Guardian Life Insurance policy?
There is a reason why you can’t buy Guardian life insurance online or even from one of their trained agents.
Guardian knows that no two policies are ever exactly the same.
Everyone is different, so what works for one family might not work for another.
Guardian’s life insurance plans are only available through financial advisors who can help you make sure you’re getting the right cover.
We fully agree with this way of doing things.
At The Insurance Surgery, it worries us when people use comparison websites to find the cheapest life insurance premium and then make a decision based on that. There’s a lot more to think about, like what protection is available, what protection you already have, how you want your payout to happen, and what protection you need.
The list goes on and on.
But our experts know how to help you find the best policy.
In just a few minutes on the phone, we can find out everything we need to know to give you a confirmed policy price with no extra costs.
Talk to one of our insurance experts to find out how much Guardian Life Insurance could cost you.
Why buy Guardian life insurance through The Insurance Surgery?
There are many reasons why you should choose to purchase your Guardian life insurance plan through The Insurance Surgery.
Firstly, it’s our attention to detail. Our reputation is based on providing life insurance plans that match your needs and exceed your expectations. We want you to feel that you have the cover that you deserve. That’s why we take the time to get to know who you are. We’ll figure out what protection you already have in place and we’ll create a policy that suits your exact requirements.
We take the time to understand your medical history, and even if you have been declined for life insurance elsewhere, we’re confident that we can find you lasting protection. That’s because we’re a positive bunch, and we’re excellent problem solvers!
But most of all, our relationships with our insurance providers speak for themselves. We only ever recommend insurance companies that we trust, and it’s heartwarming to know that our insurers also trust us in the same way.
Here’s what Guardian has recently had to say about The Insurance Surgery.
Being specialist’s in the medically impaired market is not easy, it takes lots of hard work, determination and experience to build a successful business focussing on client’s that may find it extremely difficult to navigate through the protection offerings themselves. Sign posting in this particular field is very poor and many client’s may feel that they are uninsurable and financially vulnerable.
Our customers love us.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.