CIExpert on Guardian critical illness changes

Earlier this month, we exclusively revealed that Guardian had decided to launch a more competitive combined life and critical illness (CI) cover option to sit alongside its stand-alone life and CI products, alongside a raft of changes to its existing proposition.

oday the offering has gone live and is available on IRESS, iPipeline and LifeQuote.

According to CIExpert director Alan Lakey, the CI changes - which includes the addition of three new full payout conditions as well as some market standardisation - the changes are ‘significant'.

Guardian, which launched to advisers in May 2018, said it made the changes following adviser feedback. Lakey said many advisers remain "unaware" of the plan's "ground-breaking features".