Illness is a fact of life. Some illnesses only keep us off work for a few days but others can be serious. Rehabilitation can mean a lengthy time not earning, plus you might need costly care. And that’s on top of your usual outgoings – mortgage or rent, food and bills....

Life insurance is designed to pay out when the policyholder dies. It’s intended to ensure your family are not left facing difficult choices. These could include struggling to pay the mortgage or keep up with school fees. Life insurance isn’t compulsory, and not...

No one ever wants to imagine their child becoming critically ill or suffering a serious accident. But sadly, it does happen. A critical illness policy for children provides financial security during what is an incredibly tough period for families and carers. While it...

What Are Partial Payments? Partial payments (also known as additional payments or payouts) are payments that are made by the insurer if you’re diagnosed with a less severe critical illness. These conditions are diagnosed more frequently, and you are much more likely...

The Guardian brand has a long history of helping to protect families. First launched in 1821, it re-entered the UK protection market in 2018 with the intention of reinventing protection insurance for the better. Guardian is committed to providing fairer, clearer...

A survey has indicated that many young adults are ill-informed about insurance, as 53% of 18-40 years olds do not know the purpose of critical illness cover1. In fact, 29% admitted they did not even know what it was.   Once critical illness insurance was...

Getting onto the property ladder continues to be a challenge for younger generations, as 63% of first-time buyer (FTB) mortgage completions1 are in two or more names.   The cost of buying a home is significantly more expensive than a decade ago for the average...

According to a recent report, over a third1 of homeowners do not have life insurance, thus potentially leaving their family in the lurch if they were to pass away. Renters are risking it even more, with only 29% of tenants saying they have life cover.   Why are...

The start of the year showed promise for the housing market, as house prices are increasing month-on-month.   Prices rose by 0.7% between December and January, bringing the average house price to £257,6561. The annual rate of growth is continuing to recover,...

When buying a house, a property survey can seem like one more cost among many. But getting the right survey is more than a burden - it can be crucial to ensuring you are paying a fair price.   A property survey helps you check that everything is up to scratch,...

Only 2 in 10 UK homeowners have income protection1, even though it’s likely to be needed at some point in a person’s life. Take a 35-year-old woman who is a non-smoker – for her, there is a 4% chance of death, but a 34% chance that she will be unable to work for 2...

Having barely shifted since last autumn, many analysts expect that interest rates may start edging down. What will that mean for mortgage borrowers and anyone looking to remortgage?   Time for a fall? Most analysts agree that interest rates have peaked but there...

The Value Of Additional Services Whilst clearly the overall value of any policy is the peace of mind and protection it provides in the event of a claim occurring, this can sometimes seem slightly abstract to people. Clients may ultimately feel that paying a monthly...

The Bank of England (BoE) kept Bank Rate at 5.25% following the latest meeting of the Monetary Policy Committee (MPC) in February.   Bank Rate unchanged Having risen to 5.25% in August 2023, the MPC voted to freeze Bank Rate for a fourth consecutive meeting in...

Property experts anticipate an upturn in UK house prices this year, with Pantheon Macroeconomics estimating a 5% increase.   This is welcome news for the property market, as prices fell by 1.8% over the course of last year1due to depleting buyer demand. Knight...