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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. Choose from personal insurance and optional benefits that offer peace of mind such as Income Protection Insurance, Life Insurance, Funeral Insurance as well as 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

Life Insurance

  • Ensure financial protection for your family with up to $1.5 million cover depending on your age.
  • Get cover that suits you. 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.

Income Protection Insurance

  • Receive up to $10,0001 monthly income benefit to prevent any financial hardship for you and your family.
  • Choose your benefit period from six months, one year, two years or five years to suit your needs.
  • Add optional benefits including Homemaker Insurance, Rehabilitation Benefits and more for protection tailored to your lifestyle.

Funeral Insurance

  • Apply over the phone with no medical or blood tests.
  • Take out Guardian’s Platinum Funeral Insurance to receive the Platinum Trust Guarantee:
    • Premiums reduced by 5% for every five years you hold your Policy.
    • Choose for your family to receive your covered amount or all the premiums you have paid in for your cover – whichever is higher OR once you turn 85 you can choose to terminate your cover and receive an Early Cash Payment of 150% of your Funeral Insurance Benefit.2

Pet Insurance

  • Visit any vet licensed in Australia.
  • Choose from Silver, 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.
    Pre-existing conditions are excluded. Sub-limits may apply.

  1. Subject to a maximum of 75% of your monthly Pre-Tax Income. Waiting period applies.
  2. If your policy is cancelled prior to age 85, no benefit amount is payable. If you change your cover your premiums will be affected. There is no refund of premiums after the cooling off period. If you choose the Early Cash Back option, you will no longer be eligible to claim and you may receive less than the total premiums you’ve paid into your policy to date.

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