Our product ratings for Guardian
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Critical Illness Cover
4 products reviewed
- Critical Illness Essentials
- Combined Life & Critical Illness Essentials
- Critical Illness Protection
- Combined Life & Critical Illness Protection
Guardian
Critical Illness Essentials
| Feature | Value |
|---|---|
| Maximum age to cover |
79
|
| Maximum level of cover |
£3,000,000.00
|
| Additional condition cover limit (as a % of cover) |
30%
|
| Additional condition cover limit (£) |
£30,000.00
|
| Children's critical illness cover | Yes |
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | No |
| Index-linked increasing cover | Yes |
Guardian
Combined Life & Critical Illness Essentials
| Feature | Value |
|---|---|
| Maximum age to cover |
79
|
| Maximum level of cover |
£3,000,000.00
|
| Additional condition cover limit (as a % of cover) |
30%
|
| Additional condition cover limit (£) |
£30,000.00
|
| Children's critical illness cover | Yes |
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | No |
| Index-linked increasing cover | Yes |
Guardian
Critical Illness Protection
| Feature | Value |
|---|---|
| Maximum age to cover |
70
|
| Maximum level of cover |
£3,000,000.00
|
| Additional condition cover limit (as a % of cover) |
50%
|
| Additional condition cover limit (£) |
£50,000.00
|
| Children's critical illness cover |
Optional
|
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | No |
| Index-linked increasing cover | Yes |
Guardian
Combined Life & Critical Illness Protection
| Feature | Value |
|---|---|
| Maximum age to cover |
70
|
| Maximum level of cover |
£3,000,000.00
|
| Additional condition cover limit (as a % of cover) |
50%
|
| Additional condition cover limit (£) |
£50,000.00
|
| Children's critical illness cover |
Optional
|
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | No |
| Index-linked increasing cover | Yes |
Income protection
1 product reviewed
Guardian
Income Protection
| Feature | Value |
|---|---|
| Maximum benefit per year |
£250,000.00
|
| Maximum age for cover |
70
|
| Accident/injury cover | Yes |
| Sickness cover | Yes |
| Unemployment cover | No |
| Maximum benefit (% of gross income) - tier one |
65%
|
| Minimum benefit per month |
£208.00
|
| Maximum benefit per month |
£20,833.00
|
| Minimum benefit per year |
£2,500.00
|
Life insurance
4 products reviewed
- Life Protection
- Combined Life & Critical Illness Protection
- Life Essentials
- Combined Life & Critical Illness Essentials
Guardian
Life Protection
| Feature | Value |
|---|---|
| Maximum age at end of term |
90
|
| Highest payout limit (level cover) |
£15,000,000.00
|
Guardian
Combined Life & Critical Illness Protection
| Feature | Value |
|---|---|
| Maximum age at end of term |
70
|
| Highest payout limit (level cover) |
£3,000,000.00
|
Guardian
Life Essentials
| Feature | Value |
|---|---|
| Maximum age at end of term |
90
|
| Highest payout limit (level cover) |
£15,000,000.00
|
Guardian
Combined Life & Critical Illness Essentials
| Feature | Value |
|---|---|
| Maximum age at end of term |
79
|
| Highest payout limit (level cover) |
£3,000,000.00
|