GUARDIAN LIFE PROTECTION

Transcription

1 A CUSTOMER GUIDE GUARDIAN LIFE PROTECTION BECAUSE LIFE CHANGES The life insurance you need today won t necessarily be the life insurance you need tomorrow. As we all know, life has a habit of changing. A bigger house, a bigger family and a bigger salary are all good reasons to rethink the level and type of cover you have. But few of us do. That s because often increasing or adding to it comes with the hassle of more forms and more underwriting. Not anymore.

2 At Guardian, we never want you to find yourself short of cover. That s why we ve designed life cover that s easy to enhance. So you can have precisely the protection you need today and in the future.

3 GUARDIAN LIFE PROTECTION THE FLEXIBILITY YOU NEED When you simply need more Increasing your Life Protection couldn t be easier You usually have to fill in new forms and answer more questions if you want more cover. If we can offer you Reserved Cover, you can increase your Life Protection during the first 27 months of your policy just by answering a few simple questions. When the time s right to enhance your life cover Adding Critical Illness Protection is effortless You also usually have new forms to fill in and more questions to answer if you want to add critical illness cover. If we can offer you Reserved Cover, you can add Critical Illness Protection during the first 27 months of your policy just by answering a few simple questions. THE COVER YOU DESERVE If time becomes precious Our Terminal Illness cover goes beyond the ordinary Our Life Protection pays out the moment you re diagnosed with a terminal illness if you re expected to live for less than 12 months. But uniquely, we also guarantee to pay out if you re diagnosed with stage 4 cancer, motor neurone disease, Creutzfeldt-Jacob disease or Parkinsonplus syndromes, even if you re expected to survive for longer than that. When you need a prompt payout Our Payout Planner gets the money where it s needed fast Getting the money to your family quickly is so important. If they ve just lost you, they don t want money worries on top of that. Our Payout Planner lets you choose, when you apply, who you want the payout to go to. Which means they ll get it promptly, and without the usual probate delays.

4 When a child is on the way Simply add Children s Critical Illness Protection Children s critical illness cover is often included with adult cover an unnecessary extra cost if you don t have children. So we ve made it optional. This means you only pay for children s cover when you need it, and you can add or remove it at any time. When you need to protect yourself and your partner Dual life gives better protection by keeping your policies separate Usually, if a couple apply for cover together and one claims, the other is left uninsured. Our dual life cover gives you both your own individual cover. This means that if one of you claims, the other s cover remains in place. And if your relationship ends, your cover doesn t. If things get tough financially We make sure the cost of your policy never becomes a burden All our policies come with Premium Waiver, at no extra cost. This means we pay your premiums for you if you re too ill to work. What s more, we also pay them for up to 6 months if you have a baby or if you lose your job through no fault of your own. When you need peace of mind Our policies upgrade themselves automatically When we make improvements, we don t forget about you just because you already have a policy. In most cases, we automatically upgrade your cover. For free. If we ever introduce an improvement that would affect your premiums, we ll let you know and give you the choice.

5 A CUSTOMER GUIDE When life changes for the better Using Guaranteed Increase Options couldn t be easier You can increase your cover on certain events such as buying a new house, having a baby or getting a pay rise. What s more, the cost of the increase is based on the age you were when you took out the original cover. If you re concerned about injuries or accidents Fracture Plus Protection is an optional add-on For a small fixed cost a month, you can add fracture cover. This pays a set amount between 1,500 and 6,000 in any 12-month period if you have an accident and suffer a fracture, dislocation or rupture, or if you tear a ligament. When you need us most Our claims service HALO couldn t be more personal Paying claims quickly is a given. But our service goes much further than just paying out. Our HALO team members take the time to understand your situation, identify the need for any practical, medical or legal help and then make it happen. When you need extra support We give you extra benefits anytime With Guardian Anytime, you and your family get access to free extra benefits. This includes 24/7 GP consultations over the phone or online and UK-based face-to-face second medical opinions. We may add to or change these benefits from time to time. Your MyGuardian account will always show what s available.

6 Guardian Life Protection Protection that s right for life guardian1821.co.uk GFS CO 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 Guardian Financial Services Limited is registered in England and Wales under number Registered office: 11 Strand, London WC2N 5HR.