Guardian

Guardian can be a good protection provider for the right customer, especially where you want modern life insurance, critical illness cover or protection that is designed around family and mortgage needs.

Yes, Kerr & Watson can help you compare Guardian with other protection providers. We can review your mortgage, family, income, health and budget before recommending suitable cover.

Guardian may be suitable for life insurance, which can help repay a mortgage, provide for loved ones or leave a lump sum if you pass away during the policy term.

Guardian may offer critical illness cover, which can pay out if you are diagnosed with a serious illness listed in the policy. The exact conditions and claim rules depend on the policy selected.

Guardian may be suitable for family protection if you want cover that supports your partner, children or dependants if you die or become seriously ill. Kerr & Watson can help structure the right amount of cover.

Some protection policies may include or offer child-related cover, depending on the provider and product. Kerr & Watson can explain whether Guardian or another insurer offers the right family benefits.

Guardian may consider applicants with medical conditions, but underwriting depends on the condition, treatment, severity and history. Advice can help you approach the most suitable insurer.

The cost depends on your age, health, smoking status, cover amount, policy term and whether you include critical illness cover. Kerr & Watson can compare Guardian with other insurers for value.

Life insurance can often be written in trust, depending on the policy and your circumstances. This can help ensure the payout reaches the right people more efficiently.

Guardian may be suitable, but the best insurer depends on your health, budget, family needs and type of cover. Kerr & Watson can compare Guardian against other providers and recommend the right option.

The right insurance provider will depend on the type of cover you need, your age, health, lifestyle, occupation, budget and the reason for taking out the policy. Some insurers may be stronger for life insurance, while others may be more suitable for income protection, critical illness cover, private medical insurance or business protection. An adviser can compare providers and help recommend cover that suits your circumstances.

No. Insurance providers can offer different policy features, definitions, exclusions, underwriting rules, claims processes and optional extras. Two policies may look similar at first, but the quality of cover can vary significantly. This is why it is important to compare more than just the monthly premium.

Not always. The cheapest policy may not provide the most suitable cover for your needs. It is important to consider what the policy covers, what it excludes, how claims are assessed, whether optional benefits are included and whether the provider’s underwriting is suitable for your circumstances.

An insurance adviser can help compare providers, explain the differences between policies and recommend cover based on your needs. This can be especially useful if you are protecting a mortgage, have a family, are self-employed, have pre-existing medical conditions, work in a higher-risk occupation or want to make sure the policy is set up correctly.

Yes. An adviser can compare a range of insurance providers and policy types, helping you understand which options may be suitable. This can include life insurance, critical illness cover, income protection, private medical insurance and business protection, depending on your needs.

Yes. Insurance providers can take different views on medical history, medication, BMI, smoking, family history and previous health conditions. One provider may offer standard terms, while another may increase the premium, exclude a condition or decline cover. Choosing the right provider can make a significant difference.

You may still be able to get insurance if you have a pre-existing medical condition, but the terms will depend on the condition, severity, treatment, recovery, time since diagnosis and the type of cover required. Some insurers may be more flexible than others, so it is worth getting advice before applying.

Some insurance applications can be accepted based on the information provided in the application, while others may require additional medical evidence. This could include a GP report, nurse screening, medical exam or further questions from the insurer. The level of underwriting depends on the provider, policy type, cover amount and your medical history.

A valid claim should be paid if it meets the policy terms and the information provided at application was accurate. Claims can be affected if the condition is not covered, an exclusion applies, premiums have not been maintained or important information was not disclosed when applying. This is why it is important to answer application questions carefully.

Yes. Many people have more than one insurance policy, especially if each policy has a different purpose. For example, you may have life insurance to protect a mortgage, income protection to replace earnings if you cannot work, and critical illness cover to provide a lump sum following a serious illness. The right combination will depend on your needs and budget.

Yes. It is sensible to review your insurance after major life changes, such as buying a home, remortgaging, having children, changing jobs, becoming self-employed, increasing your borrowing or starting a business. Your existing cover may no longer match your needs, or there may be better-suited options available.

Yes. Kerr & Watson can review your circumstances, compare suitable insurance providers and explain which options may be available. We can help with life insurance, critical illness cover, income protection, private medical insurance, business protection and cover for more complex circumstances.