![]() ![]() Guardian Anytime offers up to four virtual GP appointments a year, plus physiotherapy, a second medical opinion and mental health support.Ĭomment: It’s good to welcome a new protection insurer but new insurers need to offer something different as well as attractive and keenly priced. When a claim is made a HALO service allows Guardian’s claims team to access a network of medical, legal and financial experts to help people who need it - in most cases at no cost to the client. Most rated clients still get guaranteed insurability. In some cases that may incur a higher premium.ĭecreasing mortgage cover uses a standard 5% interest rate plus a guarantee that the death benefit will repay the client’s outstanding mortgage. If Guardian improves its CI definitions, clients can have the new improved definition. Cover can be from £10K to £100K and the cover can be added or removed at any time. ![]() Guardian records this so it can pay out benefits fast on death.Ĭhildren’s CI cover is a separate policy (so non –parents do not pay for cover they don’t get anyway). This enables clients to contractually gift the life insurance benefit by nominating beneficiaries. The difference between that and what the customer has applied for is then available just on answering few simple health questions for 27 months. Guardian underwrites for the full level of cover it can offer. Instead a multi-cover discount applies.Įvery customer automatically gets premium waiver benefit at no extra cost – and with just a one month deferred period. ![]() Joint life cover is not available – again that could give rise to having no cover after the first death/event. Terminal illness benefit applies the normal 12 month rule but also pays out on diagnosis of stage 4 cancer, motor neurone disease, Parkinson-plus syndromes and CJD, regardless of life expectancy. The cancer definition includes all malignant skin cancers – with no exceptions. Instead of long medico-legal definitions for stroke, heart attack and multiple sclerosis, Guardian pays out if a UK consultant says that event has occurred. Instead, they are applied on a case by case basis. In addition, customers can add Children’s Critical Illness Protection and Fracture Plus Protection too. Instead of a lump sum, benefits can be paid as a family income benefit, with annual payments until the end of the term. Cover can be level, decreasing (in line with a 5% repayment mortgage), or increasing in line with inflation. Policies are available to UK residents aged between 18 and 65. So instead, a multi-policy discount applies. Conventional CI cover that pays the sum insured on diagnosis of a specified critical illness, on terminal illness or on undergoing specified surgery and can run to age 70.ĬI and life cover are not offered combined, as Guardian says that can mean life cover ceases after a CI claim is made. A term insurance policy available to age 90 that also pays out on terminal illness.Ĭritical Illness Protection. Often, there is no or very low interest for a period of time.Guardian is a new insurer (but an old insurance brand) that has soft launched in May 2018, with a view to rolling out its proposition to other advisers during 2018. It breaks down the total cost into smaller monthly payments that are more manageable. Financing options: This can include payment plans or financing options through the provider directly or a third-party company.Sometimes, the savings can be significant. Dental savings or discount plan: These plans are not insurance, but they can offer you discounts on teeth aligners with partnered providers.Health savings account (HSA): As a tax-exempt account, you and/or your employer can put pre-tax money aside to be used for teeth aligners and other health care expenses.Flexible spending account (FSA): this type of account is offered by your employer, and it puts some of your money into a specialized account that can then be used to pay for health care expenses, including orthodontic, and aligner treatment.In the event that you are not covered by Guardian for your orthodontic teeth aligner treatment, there are several alternative methods you can use to pay for your treatment. ![]() Other Payment Options if Aligners are Not Covered ![]()
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