Guardian Insurance
Guardian Insurance
Guardian Insurance offers straightforward personal insurance solutions that are transparent and easy to understand. With a wide range of flexible products and optional benefits, it’s easy to find a Guardian insurance policy to suit your lifestyle and needs. Choose from various personal insurance policies and optional benefits that offer peace of mind, such life insurance, income protection insurance, funeral insurance and pet insurance.
Guardian Insurance products are provided by Hannover Life Re of Australasia, a wholly-owned subsidiary of Hannover Re, one of the world’s leading global life reinsurance groups.
Insurance products
Guardian Life Insurance
- Help ensure financial protection for your family with $100,000 up to $1.5 million cover depending on your age
- Choose from Guardian’s range of Life Insurance optional benefits for greater protection
- Single or joint cover options available, with no medical or blood tests needed
Guardian Income Protection Insurance
- Open to Australian residents aged 18–60 who work at least 15 hours per week1
- Apply over the phone – no medical, blood test, or forms required
- Protect up to 70% of your pre-tax income, up to a maximum benefit amount of $15,000 per month
- Premiums can be tax-deductible – seek professional advice to see if you qualify
- Flexible benefit period – 6 months, 1 year, 2 years, or 5 years
- Choose a waiting period – either 30 or 90 days
- Get assessed based on your work duties instead of your job title
- Includes cover if you’re unable to work due to a mental health event
Guardian Funeral Insurance
- Apply over the phone with no medical or blood tests
- Australian residents aged 40 to 79 are guaranteed acceptance
- Choose cover from $3,000 up to $15,000
- No medical or health questions to answer
- Three times the insurance benefit paid in the event of accidental death
- 100% funeral insurance benefit paid in advance if you’re diagnosed with a terminal illness (with less than 12 months to live) after holding your policy for one year
- 30-day money back guarantee
- Automatic cover for accidental serious injury at no extra cost2
- Your premiums won’t increase every year3
- No premiums payable after you reach age 85
- After age 85, you can choose to cancel your policy and get the early cash payout option to receive 75% of your funeral cover amount OR keep your policy and get a 25% bonus cover at no extra cost when you pass or reach age 1004
- Free will kit included with your policy
Guardian Pet Insurance
- Claim up to 80% on the cost of eligible vet bills, up to $12,000 per year5
- Visit any vet registered in Australia
- Choose from Bronze, Gold or Platinum cover to suit your budget and pet’s needs
- Add optional Routine Care for a single annual extra benefit towards costs for routine vet care
- Monthly benefit amount and benefit period are dependent on underwriting outcome. The income benefit payments you receive will be either monthly amount insured or 70% of your pre-tax income, whichever is less, and reduced by any other disability payments for your injury or sickness. Policy expires on the policy anniversary after your 65th birthday. Please read the PDS for terms and conditions.
- Accidental serious injury cover expires on the policy anniversary after your 75th birthday.
- The premiums may change if you make changes to your policy or if the underlying premium rates are changed for all policy holders.
- There’s no refund of premiums after the cooling off period. The total amount of premiums payable over the life of the policy has the potential to exceed the cover amount. If you choose the early cash payout option, you’ll no longer be eligible to claim as this option will cancel your policy.
- Exclusions, benefit limits, and sub-limits apply. An annual condition limit applies to some policies. Claim for reimbursement. Information is general. Please read and consider the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) before purchasing for specific details of the policy’s inclusions and exclusions based on your selected level of cover.