Royal London improves life cover non-medical limits
Royal London has made a series of improvements to its non-medical limits for life cover, increasing the speed in which it can offer cover to customers and its straight through acceptance rates.
The main change is to increase the sum assured at which Royal London first requires routine medical evidence. There are improvements across all age bandings and the level of sum assured to age 60. For example, for customers aged 29 or under, the initial threshold for non-medical limits evidence has increased from £900,001 to £1,000,001.
Additionally, there are a number of changes to the type of medical evidence requested at certain limits, including:
- Replacing longer paramedical examinations with shorter mini-screen examinations*
- Replacing ECG requests with a simple NT-proBNP blood test**
- Reducing the number of GP reports required
Full details of these changes can be found on the Royal London adviser site.
Craig Paterson, Chief Underwriter at Royal London, said:
“We continue to focus on improving our customer journey to make it quicker and easier for customers to obtain cover in the shortest time possible. Our latest enhancements not only make life cover more accessible, but they will also reduce requests to General Practitioners, helping to reduce the demand on the NHS.”
Notes to editor
*Mini-screens are short examinations focused on height/weight, blood pressure and a urinalysis, replacing paramedical examinations that entail a series of medical questions and tests.
** A NT-proBNP is a simple blood test, which is easier to arrange and more convenient for the customer and replaces Electrocardiograms (ECGs) that check the heart's rhythm and electrical activity.
For further information please contact:
Neil Cameron, PR Manager
- Email: neil.cameron@royallondon.com
- Mob: 07919 171969
About Royal London
Royal London is the UK's largest customer-owned life, pensions, and investment company, and one of the top 30 mutuals globally*. With over 160 years of heritage and no external shareholders, we're able to take a long-term view, focusing on supporting better outcomes for our customers.
Today, Royal London looks after 8.4 million life and pension policies, with £212 billion of assets under management and over 5,000 colleagues**. In 2026, we shared £199 million of our profits with approximately 2.4 million eligible customers.
We invest in partnerships that reflect our values, including being the only Founding Partner of the first British & Irish Lions Women's Team, supporting women's and girls' rugby across grassroots and elite levels to help develop the next generation of players and coaches. All driven by our commitment to doing what's right for our customers.
Royal London works for you.
Discover more at royallondon.com.
*Based on total 2024 premium income. International Cooperative and Mutual Insurance Federation Global data, 2026.
**Figures quoted are as at 30 June 2026.
More press releases you might like
