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, and income protection 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
- Open to Australian residents aged 18–64
- Help ensure financial protection for your family with $100,000 up to $1.5 million cover depending on your age
- Choose from a 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
- 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.