Royal London improves life cover non-medical limits

Published  23 August 2023
   2 min read

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

About Royal London

Royal London is the largest mutual life, pensions and investment company in the UK, and in the top 30 mutuals globally, with assets under management of £162 billion, 8.6 million policies in force and over 4,200 employees. Figures quoted are as at 31 December 2023. Learn more at