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Guardian: When the Wheel of Life expands your clients’ family…

Protection news from Financial Advisers & Paraplanners

25 Mar 2019

Guardian: When the Wheel of Life expands your clients’ family…

The average age of a first-time mother in the UK has risen to almost 2 (1). with 47% of women now not having children by the age of 30 (2). Why is this relevant for the protection industry?

Because, by default, many providers automatically include children’s critical illness cover (CCIC) within a critical illness policy even if your clients don’t need it. And who wants to pay for something when they can’t use it? Nobody. That’s why, at Guardian, we don’t include CCIC automatically.

Your clients can simply add Children’s Critical Illness Protection when a child is on the way, and they can choose any amount between £10,000 and £100,000, to a maximum of their own amount of cover.

Spin the Wheel of Life and discover how our policies protect your clients, no matter what the future holds, at: 


1Being 18 in 2018, Office for National Statistics, September 2018

2Childbearing for women born in different years, England and Wales: 2017, Office for National Statistics, November 2018


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