Private Limited Company
Guardian was officially founded in 1821 and over the years has offered various insurance products including Life Insurance, pensions and annuities.
In 2016 the business was acquired by ReAssure and renamed ReAssure Life Limited in June 2016. In 2017 the Guardian business and name were bought by Gryphon Group Holdings and launched as a new protection insurance provider in 2018.
Currently offering Life Insurance and Critical Illness Insurance, Guardian has plans to launch further products soon.
Overview of Key Policy Details
Level Term / Decreasing Term / Increasing Term / Family Income Benefit
Single Cover / Dual Cover
Terminal Illness Cover
Optional Critical Illness Cover
Critical Illness Covered
Children’s Critical Illness Cover
Waiver of Premium
Automatic at no extra cost
£20 million Life Insurance / £3 million Life and Critical Illness Cover
Minimum Life Cover Term
1 year for life only / 5 years for life + critical illness
Minimum Entry Age
18 years old
Maximum Entry Age
Automatically included and available under any of the following circumstances:
No general policy exclusions
We try to find out everything there is to know about the policies we advise on to ensure that we are in the best position to match you with the most appropriate policy. Below, we have answered a few frequently asked questions given to us by our customers about your Aegon Life Insurance policy. If you need any further help, please do not hesitate to call us on 02084327333.
Head of Protection Advice at Drewberry
A.The amount insured will increase in line with inflation (RPI) on each policy anniversary; correspondingly, your premium will increase by inflation times 1.5 to compensate for the increased benefit.
Increasing Life Insurance from Guardian isn’t available once the sum assured for life cover reaches £20 million, or £3 million for Life and Critical Illness Cover.
You can change level cover to increasing cover at any time after your policy has started and are able to remove the increasing cover at any time, also.
A. Children of policyholder with Critical Illness Cover will be covered under the policy from birth until they are 18 years old. However, this cover can carry on until they reach their 23rd birthday providing they are in full-time education during this time.
As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?
We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.
If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch. Pop us a call on 02084327333 or email firstname.lastname@example.org.
Independent Protection Expert at Drewberry
Josh was brilliant, very quick process, simple, regular updates and reliable. Would highly recommend.