Life Protection

Paradigm

March 2020

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NEW CORE COVER ALONGSIDE EXISTING COVERS

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Optional extraCan be added to any core cover

Core covers

Level

Increasing

Decreasing

Family Income

Level

Increasing

Decreasing

Family Income

Level

Increasing

Decreasing

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YOUR CLIENTS DON’T NEED LIFE COVER.

THEY NEED COVER THAT’S RIGHT FOR LIFE.

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ALL LIFE COVER PAYS OUT IF YOU DIE

So just recommend the cheapest. Right?

If only life was that black and white.

Real life throws things at us that typical life policies

aren’t designed for which can leave policyholders in unfair,

often vulnerable situations.

That’s why our policies come with

4 big differences.

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WHERE WE’RE DIFFERENT

1. Terminal illness

2. Children’s critical illness cover

3. Waiver of premium

4. Dual life

TERMINAL ILLNESS

Our Life Protection goes further. It

guarantees to pay out if your clients are

diagnosed with stage 4 cancer, motor

neurone disease, Creutzfeldt-Jakob

disease or Parkinson-plus syndromes,

even if they’re expected to survive longer

than 12 months.

* Source: Cancer incidence by stage at diagnosis, Cancer Research UK, 15 February 2017

20% of cancers are diagnosed at stage

4*. Although they’re terminal, it’s difficult to

predict life expectancy so doctors are

reluctant to do so. But terminal illness cover

typically pays out only if someone is given

less than 12 months to live.

CHILDREN’S CRITICAL ILLNESS

Our approach is more flexible – your clients

can add children’s critical illness cover to their

life cover. They can add or remove it anytime,

and can choose any amount from £10,000 to

£100,000 (up to their own sum assured).

“Source: Children with Cancer UK, Childhood Cancer Info, July 2019

4,500 children and young people are

diagnosed with cancer every year in the

UK. That’s ten every day*. Yet typically,

children’s cover is only available with adult

critical illness cover. Meaning people who

can’t get, can’t afford or don’t need it

themselves can’t protect their children.

WAIVER OF PREMIUM

1 in 4 adults have no savings at all.*

So, if things get tough financially, people

can be tempted to stop paying life

insurance premiums. Typically, you can

choose to add waiver of premium, but as

an extra cost, it’s often overlooked.

We think waiver of premium is a must-

have. So, it’s included as standard. And

we don’t just waive premiums if a client’s

too ill to work; we also waive them for

up to 6 months after they’ve had a baby,

or if they lose their job.

* Source: A quarter of British adults have no savings, The Independent, 20 March 2018

DUAL LIFE

We offer dual life. As with joint life, the

couple still get the benefit of a discount,

but we keep their policies separate so the

surviving partner’s cover stays in place.

Typically, couples buy joint life cover.

Mainly because they’re incentivised by the

discount. But joint cover comes at a price;

the policy ends after the first claim leaving

the surviving partner without any cover.

Worth a little bit more?

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COST

We’re not just here for policyholders when they need to claim.

All our policyholders get free additional benefits – anytime.

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GP 24/7

Never wait for long to speak

to a doctor again.

All policyholders, and their family, can access

a GP consultation from a UK-based doctor

from their phone, tablet or PC. Available at

any time, day or night and from anywhere in

the world.

2ND MEDICAL OPINION

Peace of mind when

it matters most.

All policyholders can get access to a specialist

second medical opinion following diagnosis

of a serious illness as well as long-term support

from a dedicated nurse adviser.

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At Guardian, we don’t have a set list of additional

services when someone claims. HALO is much more

personal. Our Claims Team listen to the concerns

of a policyholder, or their family, and use their

experience to identify the exact help that is needed,

then make it happen.

An extraordinary claims service,

because there’s no such thing

as an ordinary claim.

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…cover that’s right for life.

Optional

children’s

cover

Waiver at

no extra

cost

Fairer

terminal

illness

Guardian

AnytimeHALO+ + + + +

Dual

life

IT ALL ADDS UP TO…

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LONG LIVE ADVICE.

AND IT’S ONLY AVAILABLE THROUGH YOU

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Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited which is authorised by the

Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Registered office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. Registration number 110002.

Guardian Financial Services Limited is registered in England and Wales under number 11115769. Registered office: 11 Strand, London WC2N 5HR.

t: 0808 133 1821 e: advisers@guardian1821.co.uk

w: guardian1821.co.uk/adviser