Life Insurance Essentials
You insure your car, your phone, even your pets – but what about your most vital asset: your ability to earn an income and protect your family? It’s easy to overlook, but critical to secure.
While good health is a blessing, life can be unpredictable. A serious illness or injury can strike unexpectedly, threatening your ability to work and pay your mortgage and bills. That’s where Life Insurance, Critical Illness Cover, and Income Protection become indispensable. These policies provide the essential financial safety net that allows you to focus on recovery, not financial strain.
Guardian Financial empowers you with the confidence of knowing that your lifestyle and your loved ones are protected, whatever challenges you may face.
Cover is typically available on a level or decreasing basis, designed to suit different financial needs:
This policy provides a consistent amount of cover throughout its term. Should a successful claim be made, your beneficiaries will receive the full, predetermined lump sum, ensuring predictable financial support.
Often referred to as Mortgage Term Assurance, the cover amount for this policy decreases over its term, typically mirroring the outstanding balance of your repayment mortgage. It pays out the current remaining amount upon a successful claim, helping to clear your mortgage debt.
This unique Life Assurance plan offers a tax-free monthly income rather than a single lump sum. This can make it significantly easier for your family to manage ongoing household costs, cover essential bills, and even fund expenses like school fees, providing regular, predictable support.
For instance: Your family could receive a tax-free income of £2,000 per month for the remaining balance of a 15-year term from the time of a claim, for an affordable premium that could be around £15-£20 per month*.
*Actual costs depend on individual circumstances (including health, lifestyle, and smoking status) and provider underwriting. Figures are illustrative and based on average market data for a healthy 35-year-old non-smoker in mid-2025.
Through our robust partnership with the Stonebridge Network, Guardian Financial leverages extensive market insights to help you navigate your options. We’ll work with you to determine if Life Insurance is right for you, how much cover you need, and for what duration. Our goal is to find the perfect policy that provides comprehensive protection and peace of mind for your family’s future.
Click here to arrange a free, no-obligation quote and discover the right protection for your loved ones.