Updated September 28, 2026 · AssureCue Editorial Team
Embea Krebsversicherung vs Guardian1821
Embea Krebsversicherung vs Guardian1821: the differences
| Compare |  Embea Krebsversicherung |  Guardian1821 |
|---|---|---|
| Insurance types | Critical illness | Life, Critical illness, Income protectionCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 150,000 | Income Protection: 65% of annual earnings up to GBP 60,000, 50% over 60,000 up to 100,000, 45% over 100,000 |
| Claims channels | Online form, Email, PhoneCovers more | Phone, Email |
| Monthly payments | Yes | Not confirmed |
| Age range | Not confirmed | up to 70 |
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Key differences
- Guardian1821 scores higher overall: 9.4 vs 8.9.
- Insurance types: only Guardian1821 offers Life, Income protection.
- Claims channels: only Embea Krebsversicherung offers Online form.
Our verdict on each
Embea Krebsversicherung
Embea Krebsversicherung is a German broker built around one product, critical illness cover, paying out Up to EUR 150,000 on a covered diagnosis with premiums collected month by month. It suits readers who want a single lump sum and a manageable monthly bill, rather than shoppers weighing a wide policy range.
Guardian1821
Guardian1821 is the insurer to shortlist if you want life, critical illness and income protection under one roof, with monthly premiums and cover open to ages up to 70. Premiums are quoted per policy rather than a flat brand rate, so the monthly figure on your own quote is the number that matters.
Score breakdown
| Area | Embea Krebsversicherung | Guardian1821 |
|---|---|---|
| Cost | 9.1 | Not confirmed |
| Offer | 8.8 | 8.8 |
| Trust | 8.8 | 9.8Higher |
How they place
| Ranking | Embea Krebsversicherung | Guardian1821 |
|---|---|---|
| Life insurance | 16 of 263 | 55 of 263 |
| Critical illness cover | 4 of 65 | 15 of 65 |
Pick Embea Krebsversicherung if, pick Guardian1821 if
Pick Embea Krebsversicherung if claims channels matter most.
Pick Guardian1821 if insurance types matter most.
Every fact side by side
| Fact | Embea Krebsversicherung | Guardian1821 |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Embea GmbH | Guardian Financial Services Limited |
| Headquarters | Germany | United Kingdom |
| Founded | Not confirmed | 1821 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Pros and cons
Embea Krebsversicherung
Pros
- Monthly payments are available, so the premium is spread across the month rather than settled in one go.
- A covered diagnosis pays out Up to EUR 150,000, a defined sum rather than a share of earnings.
- Claim reporting runs through online form, email and phone, giving more than one way to notify a diagnosis.
Cons
- Critical illness is the only insurance type listed under critical illness, so there is no wider product set to compare.
- Support runs on email, phone and help centre, with no live chat channel in that list.
- The only payment model listed is monthly, so there is no annual option to compare.
Guardian1821
Pros
- A single insurer covers life, critical illness and income protection, so several kinds of protection can sit with the same company.
- Policies run on monthly premiums, and support runs on phone, email and help centre.
- Trading since 1821 in the United Kingdom, with authorisation from the Financial Conduct Authority and Prudential Regulation Authority under reference 110002.
Cons
- Support and claims run on phone, email and help centre only, with no live chat listed.
- The income protection payout is a share of annual earnings that steps down as earnings rise, so the cover limit is smallest for higher earners.
Who each suits
Embea Krebsversicherung
Who it suits
- Readers who want one clear payout on a critical illness diagnosis.
- Shoppers who would rather carry a monthly premium than settle the cover in one payment.
- People who prefer to report a claim by phone or email as well as online, listed under online form, email and phone.
Who should look elsewhere
- Linxea, whose life points at life cover rather than a critical illness payout.
- Oney Préstamos ES, whose health, life and gadget runs to health, life and gadget policies.
- Good Sam Insurance Agency, whose auto, home and renters covers auto, home, renters, life, health, travel, pet and motorcycle.
Guardian1821
Who it suits
- People in GB who want life, critical illness and income protection from one regulated insurer.
- Buyers comfortable paying monthly premiums and starting claims on phone and email.
- People who want to begin cover later in life, since entry runs to ages up to 70.
Who should look elsewhere
- Linxea, if you only want life cover: its range is life, with no critical illness or income protection alongside it.
- Oney Préstamos ES, if you want health and gadget cover too, since its types are health, life and gadget.
- Good Sam Insurance Agency, if you want home, auto and pet lines in the same place, which sit outside life, critical illness and income protection.
Country by country
| Country | Embea Krebsversicherung | Guardian1821 |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Embea Krebsversicherung
How much does Embea Krebsversicherung pay out on a critical illness claim?+
Sums insured are set at Up to EUR 150,000, paid as a lump sum once a covered diagnosis is confirmed. The policy is a single critical illness product rather than a bundle, and the amount chosen sits within that ceiling.
Can the premium be paid monthly?+
Monthly payments are available, and monthly is the payment model listed for the policy. That spreads a critical illness premium across the month instead of asking for the full amount in one payment, which many readers find easier to carry alongside a monthly budget.
Guardian1821
How much do Guardian1821 policies cost?+
Guardian1821 sets the price per quote rather than publishing a single starting premium, and policies run on monthly premiums, so the figure you budget for is the monthly one on your own quote. For context, the medians listed on AssureCue are €7.95 for life insurance, €7 for income protection and €8.40 for critical illness cover.
Who regulates Guardian1821, and is the money protected?+
Guardian1821 is authorised in GB by the Financial Conduct Authority and Prudential Regulation Authority under reference 110002. The policies are written by Guardian Financial Services Limited, and the brand is an insurer, so cover is underwritten by the company you apply to rather than arranged for you by a separate intermediary.