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Guardian protection products
Guardian offers a focused range of pure protection products, available exclusively through FCA-regulated financial advisers.
Guardian Critical Illness Cover, why it stands out
Critical illness cover is only as good as its definitions. Guardian has built a reputation in the adviser community for having some of the broadest and most policyholder-friendly CI definitions available in the UK.
Comprehensive condition definitions
Guardian covers a broad range of conditions at full payout, with definitions written to be as inclusive as possible. This matters because many CI claims are declined not because the condition isn't listed, but because the severity definition is too narrow.
Full-payment and additional-payment conditions
Guardian's CI policy includes both full-payment conditions (which pay the full sum assured) and additional-payment conditions (which pay a separate, smaller amount on top of the main cover). This means policyholders can receive a payment for less severe conditions without reducing their main cover.
Children's critical illness cover available as an option
Guardian offers children's critical illness cover as an optional addition to adult cover. It provides a payment if a covered child is diagnosed with a qualifying condition.
Standalone or combined with life cover
Guardian's critical illness cover can be taken as a standalone policy or combined with life insurance. A combined policy pays out on whichever occurs first, death or a qualifying critical illness diagnosis, giving comprehensive protection in a single plan.
Adviser community recognition
Distribution
Adviser-only
Policy type
Pure protection
Children's CI
Optional addition
Added benefits
Guardian Anytime
Guardian Anytime, added-value benefits
Guardian Anytime gives policyholders free access to a 24/7 GP service, a second medical opinion, and 30-minute emotional wellbeing and aches-and-pains phone consultations, without needing to make a claim.
Remote GP consultations
Access to remote GP consultations by video or phone, available 24/7. Speak to a qualified doctor without waiting for an NHS appointment.
Mental health support
Access to mental health consultations and support, including the ability to speak to a mental health professional. Designed to help policyholders address concerns early.
Physiotherapy
30-minute phone consultations with physiotherapists and sports therapists for aches and pains.
Second medical opinion
Access to a second medical opinion service, with a personal nurse adviser, if you receive a serious diagnosis.
Why Guardian is adviser-only, and what that means for you
Guardian made a deliberate decision to distribute their products exclusively through FCA-regulated financial advisers. This means you cannot buy a Guardian policy directly online or over the phone with Guardian themselves.
The rationale is straightforward: protection insurance, particularly critical illness cover, is complex. The right policy depends on your health, your finances, your family, and your existing cover. Guardian believes that proper advice leads to better outcomes for policyholders, and their adviser-only model reflects that commitment.
We'll compare Guardian's definitions and pricing with other insurers we work with.
You might also find this useful
Other protection providers and value added benefits we advise on.
Royal London Helping Hand Explained
Free wellbeing and recovery support included with all advised Royal London protection plans.
L&G Wellbeing Support Explained
Free nurse-led wellbeing support included with Legal & General protection plans from day one.
Zurich Accelerate Explained
Faster access to expert medical support for cancer, heart and neurological conditions. An optional add-on to Zurich protection policies.
Aviva Global Treatment Explained
Access to world-leading hospitals and treatments for six serious conditions. An optional add-on to Aviva protection policies.
LV= Doctor Services Explained
24/7 remote GP, mental health support and physiotherapy included with LV= protection policies.
Get Protection Advice
Not sure which provider is right for you? Send us an enquiry for an honest view.
Protection advice, available across the UK
That's Family Finance provides protection advice to families and individuals across England, Scotland, Wales and Northern Ireland. Whether you're in London, Manchester, Birmingham, Leeds, Bristol, Sheffield, Edinburgh, Cardiff, Essex or anywhere in between, we work with you remotely or in person to find the right cover for your circumstances.
We advise on Guardian alongside other protection providers, including Royal London, Legal & General, Aviva, Zurich, Vitality and LV=.
We are not Guardian. That's Family Finance can advise on Guardian and many other providers, and we'll always tell you honestly which one suits you best.
Want to know if Guardian is right for you?
Send us an enquiry or reach us on WhatsApp for an honest, no-obligation view.
Not tied to Guardian
Common questions
Questions we're asked about Guardian protection.
Guardian Anytime services are provided by third parties and are not part of the core insurance contract. They may be amended or withdrawn by Guardian at any time. Always refer to Guardian's own policy documentation for the most current details, including the full list of covered conditions, definitions, and exclusions.
We are not Guardian. This page contains information about Guardian's protection products based on Guardian's published materials at the time of writing. Always refer to Guardian's own documentation for the most current details.
Talk it through with us
Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.