Advisers are increasingly being asked to balance two things that don’t always align: quality protection and affordability. That’s where Critical Illness Essentials from Guardian comes in.
Now available on the Protection Platform, Critical Illness Essentials, and Combined Life and Critical Illness Essentials, are designed to help you support more clients with a more affordable Guardian critical illness option, while still benefitting from the key Guardian features and service standards you expect. Read more about it here.
A new option for a wider range of clients
Critical Illness Essentials has been developed in response to adviser demand for a more affordable critical illness solution from Guardian. It sits alongside their enhanced Protection range, giving you the flexibility to mix and match between their standard Essentials range and signature Protection range to create tailored plans for your clients. To help with better conversations, more suitable solutions, and happier customers.
Raising the standard of standard cover
While positioned as a more affordable option, Critical Illness Essentials and Combined Life and Critical Illness Essentials are packed full of great Guardian features
35 full payout conditions
4 early-stage cancer additional payouts, paying out 30% of the cover amount or £30,000, whichever is less
Offering quality cover at a more affordable price.
Built-in value
Critical Illness Essentials also includes benefits that add real value to a policy:
Children’s critical illness cover included: Up to £25,000 built in, with the option to add optional Children’s Critical Illness Protection at any time
Additional support services: at no extra cost access to Guardian Anytime, including GP 24/7, second medical opinions and emotional wellbeing and aches and pains consultations
These features can make a meaningful difference to clients and their families, without increasing complexity for advisers.
Guardian quality, at a more affordable price
Clients benefit from:
• A dual life approach, rather than traditional joint life cover
• Premium Waiver as standard, providing support if a client is unable to work due to illness or injury
• Guardian’s reputation for high-quality underwriting, claims and service
This means you can confidently position Critical Illness Essentials as a more affordable option, not a reduced-quality alternative. Ultimately, Guardian’s Essentials range is about expanding your ability to support clients with a variety of budgets and preferences.
Critical Illness Essentials and Combined Life and Critical Illness Essentials are now live on the Protection Platform. Explore how it can help you deliver more tailored, flexible protection solutions for your clients.