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HOW DO WE MAKE LIFE BETTER?

Hayley Young

January 2020

OUR AMBITION

For every family to have protection that

they truly believe in.

We can only achieve our ambition if protection is sold with advice.

That’s why, for us, Financial Advisers are not just another distribution channel.

They’re the only channel.

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TRUSTFAIRNESS. CERTAINTY. EFFICIENCY.

OUR AMBITION

Rebuild advisers’ and customers’ faith in the industry and make the

protection conversation more rewarding for all.

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LIFE. MADE BETTER.

OUR PROMISE

Our promise to customers

Our customers' lives will be made

better for knowing that they, and their

dependants, have cover specially

designed to never let them down.

Our promise to advisers

And advisers' lives will be made

better for knowing that working with us

will be effortless, and that our policies

will help them give the very best advice.

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BETTER IS IN

THE DETAIL

OUR PROPOSITION

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Optional extraCan be added to any core cover

Core covers

Level

Increasing

Decreasing

Family Income

Level

Increasing

Decreasing

Family Income

Level

Increasing

Decreasing

THE PROPOSITION

CRYSTAL CLEAR DEFINITIONS

We’ve simplified our definition wording so it’s easy for policyholders to

understand what they’re covered for and makes it easy for us to pay out.

For the most claimed for conditions, confirmation from a UK Consultant is

all we need.

Cancer

Our cancer definitions

are broader than most.

A Guardian policy covers

all malignant cancers

including all malignant

skin cancers.

Heart attack

Heart attack is simply

based on diagnosis by

a UK Consultant.

We don’t ask for evidence

of raised troponin levels

– it’s future proofed.

Stroke

We pay on all types of

stroke diagnosed by a UK

Consultant, including

death of optic nerve or eye

strokes, where symptoms

last for 24 hours.

Multiple sclerosis

The policyholder doesn’t

have to be exhibiting

symptoms

at claim.

A few highlights:

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MARKET-LEADING TERMINAL ILLNESS

It’s difficult for doctors to predict how long someone

with certain terminal illnesses will survive, meaning they are

reluctant to do so. Leaving many people unable to claim.

We guarantee to pay out if a policyholder is diagnosed with

incurable stage 4 cancer, motor neurone disease, Creutzfeldt-

Jakob disease or Parkinson-plus syndromes even if they’re

expected to survive more than 12 months.

COVER UPGRADE PROMISE

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We treat existing customers as well as we treat new ones.

With our unique cover upgrade promise when we can give critical illness

definition improvements for free, we’ll check a claim against the

definitions bought and our current definitions.

We’ll pay out under whichever is better.

Our approach is to offer dual cover instead of joint

cover. Dual life gives both partners individual cover,

so if one partner claims, the other is still protected.

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DUAL LIFE

And because they apply together, we give them a multi-life

discount. Advisers complete a single application as they would

with joint life, but we give each client their own separate cover.

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CHILDREN’S CRITICAL ILLNESS PROTECTION

We take a more flexible approach to children’s critical

illness. Rather than including Children’s Critical Illness

Protection as standard, it’s an optional extra.

This means it’s readily available for those who have children,

but premiums are kept to a minimum for those who don’t. You

can choose any amount between £10,000 and £100,000 -

limited to the parent’s sum assured.

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GUARANTEED INCREASE OPTIONS

At Guardian, we offer most policyholders the chance

to add to their cover for key life events with no

underwriting, no medical evidence, no application form

and no age limit.

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MORTGAGE GUARANTEE

Our mortgage guarantee is included at no additional

cost with all decreasing covers.

If the outstanding balance on the original mortgage is higher

than the amount of cover, we’ll pay the outstanding mortgage

amount in full, provided the mortgage isn’t in arrears at the

time of claim.

The answer to your underwriting questions.

Underwriting Qi is a tool that gives you a quick

indication of the terms, medical evidence

requirements and exclusions for a client with an

existing condition.

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Introducing

We’re not just here for policyholders when they need to claim.

All our policyholders get free additional benefits – anytime.

GP 24/7

Never wait for long to speak

to a doctor again.

2ND MEDICAL OPINION

Peace of mind when

it matters most.

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An extraordinary claims service,

because there’s no such thing

as an ordinary claim.

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COMMISSION PAYMENTS

We’ve got a fully flexible approach

to commission.

You can choose on a case-by-case

basis if you’d like to mix and match

indemnity and non-indemnity

commission, and you can choose which

percentage for each you’d like to get.

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A FEW OF OUR AWARDS

DEFAQTO STAR RATINGS

FINANCIAL ADVISER SERVICE AWARDS

PROTECTION REVIEWF&TRC PROTECTION RATINGS

• Critical Illness: Gold

• Combined Life and CI: Gold

• Life Protection: Gold

• Mortgage Life Protection:

Gold

• Mortgage Protection with

Critical Illness: Gold

• 5 stars

• Combined Life and Critical

Illness Protection:

• Platinum (9/10)

• Life Protection: Platinum

(9.5/10)

• Critical Illness Protection:

Platinum (9.5/10)

• Critical Illness Protection: 5 Star for

Standalone Critical Illness

• Life Protection and Critical Illness

Protection: 5 Star for Decreasing

• Term Critical Illness

• Life Protection and Critical Illness

Protection: 5 Star for Level Term

• Critical Illness

• Life Protection: 5 Star for Life

Assurance (Advised) – Decreasing

Thank you

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited which is authorised by the

Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Registered office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. Registration number 110002.

Guardian Financial Services Limited is registered in England and Wales under number 11115769. Registered office: 11 Strand, London WC2N 5HR.