Life policy support

Please CHOOSE the appropriate section below:

Mortgage Endowment Enquiries
We deal with any concerns you have about your endowment policy not reaching the amount required to pay off your mortgage.

Group Schemes
We deal with most enquiries on and changes to Group Scheme policies. Your policy is likely to be handled by us if:

  • your Homeguard policy was issued under a special arrangement with a building society or bank and was assigned to the third party to cover a mortgage amount at the start, or
  • your Homebuilder or Endowment policy premiums are paid together with your mortgage payments

Customer Support Services
We deal with customers' general enquiries.

Financial Adviser Support
We deal with financial advisers' general enquiries.

Plan Servicing
We process changes to all individual life policies.

Claims
We pay out benefits on life policies in the event of maturity, cash-in, illness or death.

Frequently asked questions
Have you tried looking at our FAQs before contacting us in case your question is answered there? ?

Mortgage Endowment Team

If you have concerns about your endowment policy, whether it's an individual or a group scheme policy, reaching the amount required to pay off your mortgage, we're here to help.

You can contact us at:

Guardian Life 1
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000 (local rate)
Email:
uks.life.servicing@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Group Schemes

We deal with most enquiries on and all changes to your group scheme life policy.

Examples of what the Group Schemes unit deal with are:

  • general queries relating to the policies
  • change of name, eg marriage, divorce
  • switch of funds in which your premiums are invested (if applicable)
  • change of bank account
  • copy certificates
  • changes to the policy when the mortgage is repaid

You can contact us at:

Guardian Life 1
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000 (local rate)
Email:
uks.life.servicing@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Customer Support Services

You can contact us at:

Guardian Life 1
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000 (local rate)
Email:
uks.life.servicing@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Financial Adviser Support

You can contact us at:

Guardian Life 1
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000 (local rate)
Email:
uks.life.servicing@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Plan Servicing

Freedom Servicing:
We process changes to your Freedom policy

Life Servicing:
We process changes to all other types of endowment, whole of life and life cover only contracts

Freedom Servicing

Examples of changes you can make are:

  • change to your contribution level, including stopping or restarting
  • change of your name eg marriage, divorce
  • switch of funds in which your contributions are invested
  • placing benefits under trust or by way of assignment to a third party
  • change of bank account
  • adding or removing another person to or from your plan
  • change to any of your benefits held under your plan

You can contact us at:

Guardian Life 2
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000 (local rate)
Email:
uks.freedom.servicing@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Life Servicing

Examples of changes you can make are:

  • change of your name, eg marriage or divorce
  • switch of funds which your premiums are invested in
  • placing benefits under trust or by way of assignment to a third party
  • change of bank account
  • adding or removing another person to or from your policy
  • change to the frequency of your premiums.

You can contact us at:

Guardian Life 1
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000 (local rate)
Email:
uks.life.servicing@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Claims

Please select the appropriate section.

Death Claims:
We settle all death claims on life protection policies.

Health Claims:
We deal with all claims on Critical Illness, Total and Permanent Disability, Waiver of Premium and Individual Income Protection benefits.

Maturities:
We settle payments at the end/ maturity of a policy.

Surrenders:
We deal with requests for surrender claim forms on life policies and investment bonds and the subsequent settlement.

Death Claims

We're dedicated to settling your claim under a life protection policy. Once we've received notification of your claim an Administrator will be assigned to your case and will deal with your claim through to settlement.

We've simplified the claims process to make the procedure as easy as possible at this difficult time. We're a small team and are here to help you.

Claims Department
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000
Email:
uks.claims@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Health Claims

This team of claim assessors deal with all aspects of critical illness, total and permanent disability, waiver of premium and individual income protection claims.

We appreciate all health claims are different and need personal attention, so when you submit your claim you'll be assigned a personal claims assessor who will deal with your claim throughout.

You can contact us at:

Health Claims Department
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000
Email:
uks.claims@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Surrender Claims

The Surrender Claims department deals with requests for surrender claim forms on life policies and investment bonds and the subsequent processing and settlement of claims.

You can contact us at:

Surrenders Department
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone
0845 948 9000
Email:
uks.surrenders@guardianfs.co.uk

We currently aim to reply to your request within five working days.

Maturities

We are a team of Administrators dealing with the prompt settlement of policies at the maturity date.

Four to six weeks before your policy matures, an Administrator will write to you to tell you the estimated maturity value of your policy and anything we need to make payment.


Maturities questions
?

To make sure we can contact you in time, please tell us if you change address.

You can contact us at:

Maturities Department
Guardian Financial Services
Ballam Road
Lytham St Annes
Lancashire
FY8 4JZ
Phone:
0845 948 9000
Email:
uks.maturities@guardianfs.co.uk

We currently aim to reply to your request within five working days.