Peter shares what we know about its scope and whether he thinks the industry needs reform driven by the regulator. John quizzes Peter on the study’s themes, what he thinks would be a good outcome, and based on his experience across financial services, where he thinks we might end up. Listen to find out Peter’s view.

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 160 years’ experience in providing financial products and services.

Vincent shares his tips for having effective protection conversations with your clients, emphasising the importance of shifting the focus from products to discussing risks and potential scenarios clients might face without adequate protection.

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 160 years’ experience in providing financial products and services.

Discussing our commitment to deepening relationships with like-minded firms, Peter shares more about what this means. 

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 160 years’ experience in providing financial products and services.

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 160 years’ experience in providing financial products and services.

In this podcast, John and Phil explore Guardian’s approach to claims. Using real-life examples, Phil explains what makes Guardian different and how these things improve the claims experience. He talks about the role of product innovation and how the right design makes paying claims easier and faster. 

He also discusses HALO, our claims concierge service, and shares his view on why having a bespoke claims process is so valuable to clients. 

This podcast is useful for anyone wanting to understand how Guardian supports clients through this most sensitive of times.

For full details of our product features read our policy terms and conditions here: https://content.guardian1821.co.uk/literature/policy-terms-conditions.pdf

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 150 years’ experience in providing financial products and services.

 Discussing both the claim statistics and the experience of claiming with us, Phil explains how we were able to pay 100% of our Life and Terminal Illness claims in 2023, as well as why he believes transparency is fundamental to building trust. 

Co-sponsored by Guardian, the report contains the most comprehensive research into the UK’s critical illness market that’s been done to date. Surveying over 5,000 consumers and 300 advisers, it’s packed with industry insight that can help both advisers and insurers grow the critical illness market. Here Alan and Rachael discuss its results and implications 

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 160 years’ experience in providing financial products and services.

Katya talks through our journey so far, including the positive reaction to our approach to product design and how we bring transparency and certainty at point of claim. She sheds light on our unique culture, our growth strategy, and what it means to be part of the Guardian team.

Katya also shares her insights on our recent adviser survey and our ambitious future goals and plans.

31 July  marks the deadline for whole of market compliance with the FCA’s new Consumer Duty guidance. In this podcast, Vincent discusses his views on the impact of Consumer Duty for the protection market and why he thinks it is an opportunity for the sector.

He talks about the process that Guardian went through to meet the duty. He also shares his thoughts on the size of the task for the advice community and highlights some examples which, in his view, are reasonable interpretations of the duty.   

For listeners who don’t know Vincent, the podcast gives a background to his career, which spans the advice and provider side. He shares how protection has always been core to his approach and how he will be working to build and deepen Guardian’s strategic partner relationships. 

Vincent describes how the role is so varied and highlights the needs of different adviser segments. He also discusses why Guardian is so well positioned to help advisers meet the needs of their clients. The podcast sums up with his thoughts on the main challenges facing the advice community today and how advisers can overcome them.

Hilary shares the positive feedback we’ve received from advisers, including the overwhelming immediate response on social media. She talks through the features advisers have welcomed most – including our ‘own job’ definition, premium waiver at 28 days as standard, and the product’s flexibility – and shares her views on why these have been so well received.

John and Hilary also discuss the current market context for both mortgage advisers and protection specialists, the shape of our Income Protection sales to date, and Hilary’s view on the role of Income Protection within a wider menu recommendation. She sums up with her take on the opportunity ahead for Guardian. 

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 150 years’ experience in providing financial products and services.

The new Income Protection cover – like our  Life, Critical Illness, Combined, and optional Children’s Critical Illness covers – has been designed to give more certainty at claim. John and Phil discuss our use of an ‘own job’ definition, as opposed to the more traditional ‘own occupation’, and talk about the flexibility provided at claim.

Phil also explains more about the thinking behind our decision to include Premium Waiver as standard at 28 days regardless of deferred period. He describes how this helps us provide better support, identifying where customers may need help before they make a full claim, and talks listeners through examples of the bespoke rehabilitation support provided through HALO. 

During 2022, prices were rising fast and through the course of the year it became apparent that they weren’t transitory. The cost of living soon became the most talked about topic in the protection industry, as everyone tried to assess its impact on the protection market.

In this podcast John talks to Rachael about the thinking behind Guardian’s white paper on this topic, including its research across 700 advisers, the insights from interviews with 13 industry experts, and the key takeaways which it hopes will give advisers useful information to help them get on the front foot to get and keep people protected. 

When a person receives a life-changing diagnosis or are told they only have a short while to live, there are often a mountain of legal implications to consider. Legacare is there for Guardian’s customers at this most sensitive of times, to guide them through what they need to put it in place. 

In this podcast John and Meg discuss the types of legal considerations that people may have, depending on if they are critically ill, terminally ill or bereaved. Meg shares some moving feedback from a person the charity has helped; and explains how, when it comes to claim, helping customers achieve peace of mind is just as important as the payout.

Krysalis and Guardian both agree that a protection insurance claim should be a time to look at the individual and their rehabilitation needs. When it comes to neurological conditions or brain injuries, specialist occupational therapy can help people come to terms with how their brain has changed, as well as stop problems from escalating. 

In this podcast, John and Jo discuss why occupational therapy can be so important to someone’s quality of life following a neurological diagnosis. Jo explains why specialist support is so valuable, particularly when it comes to the brain; and explains how it works when a person with a neuro diagnosis makes a claim with Guardian. 

RedArc share Guardian’s belief that a claim is more than just a payout and also that the support provided at this time needs to be bespoke. Their personal nurses provide a listening ear and help customers with whatever it is they need. 

In this podcast, John and Christine discuss what RedArc’s personal nurse service can do for Guardian’s customers, share examples of how RedArc has helped people, and explain how it fits together when a person makes a claim on their Guardian policy. 

In the first podcast of this mini-series, Guardian’s Head of Claims, Phil Deacon, introduces us to HALO and the thinking behind the approach. He shares examples of how we’ve helped our customers; as well as what advisers can expect their clients to receive from Guardian if they need to make a claim.

In this podcast, Duncan and John discuss Guardian’s recent 5* award at the Financial Adviser Service Awards. It’s something the challenger has achieved every year since launch, so what’s happening behind the scenes at Guardian to provide this consistently good level of service?

They chat about the crucial role of culture in driving the right outcomes and how to hold onto that as a business grows. Duncan also shares his thoughts on where technology sits in the mix, both now and in the future; why listening is so important; and what he’s looking at right now to reduce adviser effort. 

Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly, an insurer with over 150 years’ experience in providing financial products and services.