adding and increasing cover

The typical way

If in the future you want to increase or add a different type of cover to your policy, a new application form needs to be completed and underwritten all over again.

What’s more, the rate applied to any additional cover will be higher because you’re older.

The Guardian way

At Guardian, we think improving your protection shouldn’t be hard work.

So, our single question-set underwriting philosophy and Reserved Cover gives you the power to increase or add new cover on the same terms as your initial cover for up to 27 months.


The typical way

Most providers allow you to increase your existing cover using a guaranteed increase option (GIO) should a specific life event take place.

However, the process is far from easy. Often, providers require a new application with new medical evidence, then age limits are applied and the additional cover is subject to current pricing.

The result is GIOs are rarely taken out.

The Guardian way

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.

All we need is an email to say you'd like to use a GIO.

And, most importantly, we price any increased amount on the same basis as the original policy.