The working world has gone remote. Life Insurance should too. No doctor’s visits or printed forms. Apply online from home.
We let you choose how much cover you want and how long you want it. So it’s tailored to you.
You can rest easy knowing you’ve looked after the people you care about.
Finish your application in just 15 minutes.
Life is busy. Your Life Insurance should work around it. This is a sort-on-the-sofa kinda Life Insurance.
You don't want to compromise. We use our tech know-how to make this easy for you. Our partner Covea brings 50+ years of experience insuring people like you. Together we’ll make sure the people you love are looked after – whatever happens.
Get Life Insurance with us and we’ll give you a free Last Will and Testament and Lasting Power of Attorney.
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In 2016 Sam’s Mum died in a car accident. It was tough enough, but the admin, bills and paperwork that came with it were overwhelming. That’s why we started Guardian Angel. To make it easy for you to get this stuff sorted way ahead of time, because it makes a world of difference when it matters. We know because we’ve been there.
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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.
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.
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.
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.
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.
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’s 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
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 you were given less than 12 months to live by a relevant medical professional.
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.
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.
The Life Insurer would pay out if the following happened: