Guardian Financial Services

Guardian Financial Services, protection insurance for families

Guardian Financial Services Limited is a British protection insurance company operating as an appointed representative of Scottish Friendly Assurance Society Limited. All its products are provided by Scottish Friendly, an insurer with over 160 years' experience in providing financial products and services. The company presents itself as a historic insurance brand that has been protecting families for generations.

Five types of cover

The company offers five types of protection insurance, designed to suit different family and financial needs:

• Life cover: pays a lump sum or a monthly amount if you die during the policy term, so your family can stay financially secure.
• Critical illness cover: provides financial breathing space to cope with the consequences of a critical illness.
• Combined life and critical illness cover: pays out if you die or become critically ill, covering both contingencies in a single policy.
• Income protection: pays a monthly income if you are unable to work due to illness, helping you keep up with your expenses.
• Children's critical illness cover: pays out if a child of the policyholder suffers a critical illness, to help provide them with the best possible care.

Two product ranges: Essentials and Protection

The five types of cover are organised into two ranges that customers can mix and match to build the policy that best suits their needs. The Essentials range is the standard option, delivering quality cover at a more affordable price. The Protection range, presented as the company's signature range, includes enhanced cover and features. This way, the company offers a choice between prioritising cost or accessing enhanced protection.

Additional services and claims management

Beyond financial cover, policies include support services. The company highlights a claims service designed to support the policyholder at the point of claim, and a set of additional benefits available every day to all policyholders, without the need to claim. Policyholders with an active policy can access their documents and these benefits through their MyGuardian account.

Distribution through advisers

Guardian Financial Services organises its activity through two distinct channels: advisers and end customers. The website offers specific sections for advisers and customers, as well as sections about the company, extra support, contact and access to the customer area. The company also publishes content about its ambition, history, people and independent industry awards received.

Telephone fraud warning

The company warns that it never calls its customers to ask them to make changes to their policy or cover. It may only call to verify that contact details are correct or to share updates about the policy you have with them. If you receive a suspicious call from someone claiming to be from Guardian, the company recommends confirming authenticity by phone or email.

Company details and regulation

Guardian Financial Services Limited is registered in England and Wales under number 11115769 and has its registered office at 11 Strand, London WC2N 5HR. Scottish Friendly Assurance Society Limited, of which Guardian is an appointed representative, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with registered office at Galbraith House, 16 Blythswood Square, Glasgow G2 4HJ, and registration number 110002.

Location and contact

11 Strand, London WC2N 5HR · Phone: 0808 123 1821 · Email: heretohelp@guardian1821.co.uk