Guardian Reviews 

Guardian offer well designed and high quality products. I feel that they place great emphasis on positive client experience and outcomes, in the way they design their products and in dealings they have with clients. I am a protection adviser and I often recommend Guardian products to my clients. I particularly like their cover upgrade promise for critical illness cover. So far I have only had one client need to claim with Guardian, but their experience was extremely positive and the claim was dealt with and paid quickly.

As an adviser, I regularly recommend Guardian1821 because of the quality of their protection products and overall proposition. The cover options feel bullet proof compared to the rest of the market. I feel they truly care for their customers, always trying to offer the best outcome regarding insurance terms and payouts and keeping their products up to date.

They stand out for turn around times, underwriting and communication for both myself and clients. 

I have full confidence I am looking after my clients when recommending Guardian1821.

I have always had great support from application stage to policy going live to servicing the ongoing policy. Guardian has one of the most competitive Comprehensive critical illness cover products in the market too.

I regularly recommend Guardian to my clients because of the outstanding quality of their protection proposition and the confidence their products give to customers and advisers alike. Their comprehensive Critical Illness plans are among the strongest in the market, offering extensive coverage and real peace of mind for clients when they need it most.

What consistently stands out to me is Guardian’s responsiveness and efficiency. Their turnaround times are excellent, and their underwriting team is incredibly proactive when it comes to medical disclosures. Queries are handled quickly and professionally, which makes the entire process smoother for both advisers and clients.

Most importantly, clients genuinely get good outcomes with Guardian. The communication is clear, the application journey is straightforward, and clients feel supported throughout. Guardian makes it easy for me to recommend protection with confidence because I know my clients are receiving high-quality cover backed by exceptional service.

As an adviser, I regularly recommend Guardian1821 because of the quality of their protection products and overall proposition. The cover options are comprehensive, the underwriting and application process is straightforward, and the support for both advisers and clients has been consistently positive in my experience. This makes Guardian an easy insurer to consider when recommending suitable protection solutions based on individual client needs.

I would highly recommend Guardian to my clients - their products are excellent quality and simple to understand which gives great confidence when clients need to make a claim. The underwriting has a common sense approach to medical disclosures and reasonable terms are offered depending on the case.

The BDMs are helpful, approachable and always willing to help and discuss the case and outcomes.

I have full confidence I am looking after my clients when recommending Guardian

I’ve used Guardian for a number of clients now and have always found them easy to deal with. The products are strong, the cover is clear and comprehensive, and it gives me confidence when recommending them to clients.
The support from the BDM and underwriting teams has also been really good whenever I’ve needed help with a case. Communication is straightforward and the overall process tends to run smoothly.
What I like most is that the policies offer genuine value and good quality protection for clients and their families, rather than just competing on price alone.
Overall, my experience with Guardian as an adviser has been very positive and I’d happily continue recommending them to clients.

Guardian offer great quality insurance policies that are designed to make it easy to claim in the event of critical or terminal illness. Their customer service team is UK based, answer the phone quickly and are friendly and helpful.

I had a phone call from them asking me to updated my policy. I told him I’m at work and can’t talk. He said he is putting my policy on hold and put the phone on me.
I can’t find a number to contact them.

I have been trying to contact the customer services team since Friday and they simply just ignore emails. I have even asked to make a formal complaint and this has been ignored too. I am stuck because I need to update my life insurance adddress, email address and request login details for my customer portal that i have never had access too on my 2 year old policy. I am shocked and wanted to share this so other can be aware when considering a policy with this company.

As an independent adviser, I have contact with all the Insurance companies including Guardian and would rate their products as 5 star.
It is so disappointing when reading some of these negative reviews, which often comes down to automated emails or an inexperienced member of staff.

Trying for weeks to contact via their online contact form and direct emails to them…..NO RESPONSE

Tried calling them in a queue for 20 minutes then gave up

Absolutely shameful experience with Guardian. I was in the process of reinstating a policy with them! I was required to submit a declaration form to be assessed. This was submitted and they then told me it was incorrect, putting the blame on me when they simply sent the wrong one. They then only gave me a few days deadline to submit a new one.

After that was all sent and accepted, they informed me they had set up the direct debit and would collect the premium in a few days. I then received an email saying I had not paid and that they had ended my policy. All the time they were blaming me when it was they who said that they would collect the payment.

Absolutely shambolic experience. I won’t be reinstating, good riddance!

I don't think I've ever written a positive review of an insurer so it gives me great pleasure to write this one even from a bad life changing event. I do took out critical illness cover almost by accident when I took my life cover. I never expected to need it and it was a little expensive but I was late 40s.

Sadly in August 2024 I had a heart attack caused by infection and needed surgery to repair two valves.

Guardian were helpful and understanding from point I raised my claim. Of course evidence was required but it was handled sensitively and fairly. There was some delay mainly from my GP but once confirmed layout was quick and easy

Thanktiy.

Don’t use this company. They are fine on initial signup but their overly persistent / harassing call centre staff on renewal got abusive, basically sending hideous threats when I said due to their phone call strategy I wouldn’t be renewing. Truly appalling.

DON'T RECOMMEND AT ALL !!!

It's been approx 6 months since I asked for a quote from Guardian for a life insurance. In this time all I got was endless emails full of questions. I was asked in numerous emails around 90-100 questions and qustionaires in which they wanted elaborate answers about my health even if I gave them full acces to my medical history. It is worse than a police interogatory. Their sistem is broken. Once, even if I did send the answers, still got emails in which they were threaten me that they will drop my case if I wouldn't send them the answers. 6 months lost with them with so many hours consumed with their questions. It's like they don't want me as a customer and they invent so many questions so I quit. I never felt so rejected in my life. The worst company ever !!!

I have had a second death policy for 27 years, intended to give a lump sum at the second death to my daughters. and the premium reached £145 a month this year, with considerable benefits at the second death. Suddenly the premium has gone up to £335 a month with the promise of reachig £800 a month in four years, and (God willing) we may be 15 years from the second death. There is an unenviable choice - end the policy now and let all the benefits and all our faithful payments go, or soldier on paying unknown sums towards the end. I now think the company never intended anyone to get to the second death.,