Life Insurance.
For the 21st Century.

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Life insurance is a way of making sure that the people you love are looked after if you’re no longer around. It can help provide financial stability and continuity at a time when everything else will feel like it’s changed; helping to give the people you love one less thing to worry about.

Yes you can cancel your online life insurance policy at any point simply by calling us or by simply stopping paying your monthly premiums.

Just be aware that if you decide that you want cover again in future, your monthly premiums may be more expensive, as you will be older and may have had changes to your health profile in that time.

Of course. You can change your life insurance policy. Just contact us and let us know you want to make a change to your policy.

We'd welcome you with open arms.

To switch to Guardian Angel you'd just need to get a free quote, if it's the life insurance for you, then you just need to cancel your active life insurance policy with your existing provider - and you're good to go.

Yes of course, if you stop paying the premium you will no longer be covered but it isn’t mandatory that you keep your Life Insurance active.

It isn’t mandatory to take out life insurance with a mortgage but many people do - mainly because it’s a big expense to leave to someone else. It is important to consider if something were to happen to you, would your loved ones be able to pay for the mortgage alone or would they need the support of a lump sum payment?

The most common type of life insurance taken out for this purpose is decreasing life insurance. This means that the cover amount that would be paid out decreases over time throughout the term of the policy, as the mortgage payment also decreases.

You pay for your term life insurance via a monthly direct debit.

Life Insurance, like most insurance, is a risk based product. The insurer is calculating that a certain % of their life insurance customers will die within the term of the insurance and will be due a payout. They are also calculating however that a % of their customers will not die during the term of the policy and will be due no payout. They make money if the premiums from all their customers is more than the claims payouts of those customers that passed away during the term.

Life insurance is an agreement between you and your insurer. You pay a monthly premium and your insurer will pay a lump sum to the people you choose in the event of your death, or if you were to be diagnosed with a terminal illness and given 6 months to live by a relevant medical professional. This lump sum can be used by the people you’ve selected for whatever purpose they choose, whether that’s helping pay off day-to-day bills, rent or mortgages, living costs or your funeral. It’s the back up plan for the people who need you, in case the worst were to happen.

You can make sure that you’re covered for anywhere between 5-40 years, depending on your age when you take out the policy.

The average time you would be waiting for a Life Insurance payout in the UK is 30 days.

It could be less or more depending on the individual circumstances of the claim in question.

That depends on your individual circumstances and wants/needs for the people you leave behind. Many people link the term to specific life events, such as their child turning 18 or your mortgage ending.

You can take out as many policies as you like, there is no law against taking out multiple Life Insurance policies.

In the UK there’s no limit to how many Life Insurance policies you can have. But most people just have one.

We like to cover all bases. Our cover starts from as little as £5,000 up to £500,000. You can choose what works best for you based on your needs - the only limitation is if you're above a certain age, in which case you’ll be a bit more limited.

There is no one-size-fits all answer to this question as we calculate your premium based on:

• The amount of cover you want
• The amount of time you want to be covered for
• Your age
• Your health
• Even your job if it's particularly dangerous

Get a quote today to find out yours.

Life Insurance starts from as little as £5 per month. But costs will vary depending on a few different things, such as your medical history, whether or not you do a dare-devil job and your age. That’s one of the reasons why sorting out your Life Insurance today is a wise move. Not only does it protect the people you love from the unexpected for longer, but it is also likely to help you secure a cheaper monthly premium. Even more reason to get Life Insurance in your back pocket sooner rather than later.

This is up to you - when you're taking out our Life Insurance policy you decide how much you want your Life Insurance pay out to be. You can adjust this down the line, but generally the higher the payout the higher your monthly premium - so it's a fine balance.

You can call the administrator of your policy to cancel anytime, the details will be on your policy documents. Alternatively you can simply stop paying your premium and the cover will lapse on its own. You would not be able to reclaim any premiums paid up until that point, unless you canceled within the 30 day cooling off period at the inception of your policy.

Sorry to hear that you were declined, that's never a nice feeling.

There is no one way to answer this question as it will vary from person to person and from insurer to insurer.

The main reasons people are rejected are:

• Your age
• If you smoke
• If you have a particular kind of preexisting health condition
• You work in a particularly dangerous job

If anyone you love would be impacted financially if you were to die or become terminally ill, then Life Insurance is probably worth it for you.

It may not be worth it if the following applies to you: You have more money than you can shake a stick at - If you have enough money (that could be accessed right now) that would cover your loved ones’ expenses and any financial obligations if you died unexpectedly then Life Insurance probably isn’t worth it for you.

You’re a free agent? - If you haven’t got any dependents or if there isn’t anyone that would be placed under some kind of financial stress if you were to die unexpectedly or become terminally ill then Life Insurance probably isn’t necessary right now.

Absolutely! We take data protection very seriously, and all your confidential information will be kept safe, secure and private.

We’ve tried to strip out as much confusing Life Insurance jargon as possible. But we’re afraid this dynamic duo stuck. So, in a nutshell:

• Level Cover: means the cover amount that would be paid out if you were to die, or get diagnosed with a terminal illness and given 12 months to live by the relevant medical professional, remains the same throughout the term of the policy.

• Decreasing Cover: means the cover amount that would be paid out if you were to die, or get diagnosed with a terminal illness and given 12 months to live by the relevant medical professional, would decrease gradually month after month, over the course of your policy term. Generally, this is used if you’re wanting to have a backup plan for loans or mortgages where the balance owed decreases over time.

Life Insurance would pay you or the people you choose if:

• You were to die
• If you were diagnosed with a terminal illness and given less than 12 months to live by a relevant medical professional.

Life Insurance is only paid out when someone dies, or becomes terminally ill and is given 12 months to live within the cover period.

If this happens and your mortgage has already been paid then one of two things happens. This depends on the kind of cover that you’ve chosen:

If you chose Level Cover then you/or your family/friends would get the lump sum payment that you chose when you took out your Life Insurance policy.

If you chose Decreasing Cover, then the lump sum would have decreased over time (often alongisde your mortgage payments). The exact amount would depend on the amount you started with and the time that has past.

If you stop paying your premiums, after 2 months your cover will cease and you will no longer be eligible for payout in the event of your death or terminal illness.

A single policy protects you financially if you were to die or be diagnosed with a terminal illness.

A joint policy protects you financially if you or your partner were to die or be diagnosed with a terminal illness. The policy only pays out on the first instance of death or terminal diagnosis.

Life Insurance tends to cover a set time period e.g. 10 years (Term Life Cover) whereas Life Assurance is designed to cover you for your entire life (Whole of Life Cover).

You will definitely receive a lump sum payout with Life Assurance. You will only receive a lump sum payment with Life Insurance if you die, (or become terminally ill and are given 12 months to live) within your cover period.

The amount of time that the policy covers you for. For example, if you choose a policy term of 20 years, the insurance will pay out if you die or become terminally ill and are given less than 12 months to live by a relevant medical professional within a 20 year period from the date you take out the insurance (provided you’ve kept up to date with your monthly payments).

There are two main types of Life Insurance, Term Life Insurance and Whole of Life Insurance.

Term Life Insurance

This kind of Life Insurance covers you for a fixed period of time, say 50 years, for example. If you live beyond the 50 year time frame, when the cover has ended, you wouldn’t receive a payout if you died.

The advantages are that it can be tailored to your needs and that it tends to be cheaper.

Whole of Life Insurance

This kind of Life Insurance will cover you for your lifetime, you’re guaranteed a payout when you die.

This tends to be more expensive.

Guardian Angel's offers term Life Insurance including both joint/single and level/decreasing policies.

You can receive cover up to £500,000 and a term ranging from between 5 - 40 years.

The key things that a term life policy doesn’t cover are:

• Life insurance if you haven't answered the medical questions honestly.
• (If you choose a joint policy) the life insurance only covers the first death of two people, it wouldn't pay out if the second person died later down the line.
• Death by suicide or self harm within the first 12 months of the policy.

The Life Insurer would pay out if the following happened:

• You were to die
• If you were diagnosed with a terminal illness and you were given 12 months to live by the relevant medical professional.

Anyone under the age of 65 can apply for coverage with Guardian Angel's Life Insurance.

You choose!

If you have a Joint Life Insurance Policy, the surviving policyholder will receive the payout, but if it is a Single Life Insurance Policy the person/people that receive your lump sum payout will be decided by who your beneficiaries are in your will or trust.

That's a personal decision! It is worth considering:

• Who would need financial support if you were to die the most?
• Who would be best place to manage a lump sum of money?

At Guardian Angel we don’t require a medical exam because we ask all the questions we need from you when you apply via our online Life Insurance tool.

It is important that you answer these questions truthfully as incorrect answers could impact your policy if there was ever a claim in future.