Why Royal London

We're the UK's largest mutual life, pensions and investment company. When we first opened our doors in 1861, we wanted to help people to help themselves. And it's been our way of thinking ever since.

Supporting your business

We also understand the importance of financial advice, that's why we design a range of solutions with advisers at the heart of our processes.

• Protection CPD hub
• Why Royal London for protection?
• Tools for Protection
• Pre-sale underwriting tool for protection
• Technical Central
• Literature Library

• Critical Illness - focus on having some of the best definitions for the conditions your clients are most likely to get.
• Our Income Protection offers cover on an own-occupation only basis and comes with a range of deferred periods.  We also now offer a 5 year payment option.
• Helping Hand – tailored and personal support at no extra cost available from the day the plan starts.
• A fast, efficient online service.
• A dedicated case manager for all your applications from start to finish.
• Access to a named underwriter when you need it.
• Innovative underwriting meaning more immediate decisions.
• Option to set up a trust online for new and existing plans.
• A proven claims track record – we’re in business to pay to claims and our claims statistics speak for themselves.
• All underpinned by our 5 star protection service
• Marketing studio - gives you sales aids, posters and risk reports to use with clients. You can brand everything with your own logo and details. And it’s quick and easy to use.

We focus on being able to pay more Critical Illness claims to your clients, faster. With our improved definitions, we've worked hard to make them clearer, giving them added peace of mind.

What's new?

• We’ve added two new full definitions: Severe mental illness and Severe bowel disease.
• We’ve improved five full definitions: Dementia, Heart attack, Cancer, Coma and Aplastic anaemia.
• We’ve added four new additional cover conditions: Bowel disease, Type 1 Diabetes, Desmoid Type Fibromatosis, and Cutaneous Lymphoma.
• We’ve made changes to four additional cover conditions: Gastrointestinal stromal tumour (GIST), Neuroendocrine tumour (NET), Pituitary gland tumour, and Non-melanoma skin cancer.
• We’ve improved and simplified our child type 1 diabetes definition under Enhanced Children’s Critical Illness cover, to reflect that there are other methods of insulin replacement than insulin injections, as well as removing the 12 month treatment requirement.
• We’ve increased the maximum pay out under additional cover conditions from £30,000 to £35,000 to reflect increased living costs and allowing us to better support your clients’ needs.

Benefits of our Critical Illness Cover

Wide range of definitions

Help your clients build financial resilience - our enhanced definitions will give your clients confidence in knowing what they're covered for, making it easier for them if they need to make a claim. Visit our interactive search tool for a full list of our definitions.

Children's Critical Illness Cover

Give your clients flexibility - they can add Enhanced or Standard Children's Critical Illness Cover, or leave it off entirely if they don't have or don't plan on having children.

Children's Critical Illness Cover Conversion option

With our Enhanced Children’s Critical Illness Cover, we automatically include a Children’s Critical Illness Cover Conversion Option. 

Advanced surgery benefit

Help your clients get paid as soon as they're on an NHS waiting list for any of the surgeries we cover under our full payment conditions.

Free Cover 

In many cases we can offer cover before your client's plan starts, offering peace of mind from the moment we receive their application.

Helping Hand

All our Personal Menu Plans come with our Helping Hand support service. Helping Hand is there for your clients, whichever stage in life they're at, and as a plan owner it doesn't cost them anything extra to use.

Useful documents

• Focus on our Critical Illness Definitions
• Critical Illness at a glance
• How our definitions compare in the market sales aid
• Additional conditions to help cover cancer
• Tailored Children's Critical Illness Cover

Download our ‘Why choose Royal London for protection’ quick summary 

Speak to your usual Royal London contact

Or call us on 0345 6094 500