Frequently asked questions about the application process
Need to ask a question?
If you’ve got questions about the application form, please contact your adviser. Your adviser will have experience in completing the application form and will be able to support any questions you have. They can track your progress and once the application form is completed, your adviser will be notified and will let you know about any decisions that we've made.
In the meantime, you can explore the answers to some of the common questions you may have about the application form.
Frequently asked questions
How long does it take to complete an online application?
It should take between 15 and 25 minutes to complete an online application.
Does the application form save my progress?
Yes, all information is saved, and you can come back to complete the application.
I have tried a cigarette once in my life, do I declare myself as an ex-smoker?
Yes, you should disclose this as ex-smoker. Occasional smokers have no regular pattern and smoke sporadically.
What countries are in the EU?
Learn more about and find an up-to-date list of member countries (external link).
Do I need to declare the contraceptive pill when being asked: Have you been prescribed medication or treatment for four weeks or more?
No, you do not need to declare the contraceptive pill.
Do I have to say yes if I have a regular test e.g. annual blood tests?
Yes, you need to declare annual/regular tests.
When you’re asking about mental health in the last 5 years e.g. depression, anxiety, stress, or any other mental health conditions, are you looking for a clinical diagnosis only?
No, this question is looking for any time you may have had any of the symptoms relating to the above.
Who do I contact if I have any questions about the application?
Please contact your adviser in the first instance for support with completing your application. If there are specific questions or answers you would prefer not to discuss with your adviser, you can contact our dedicated team. You can email them at underwriting@royallondon.com or call 0345 6094 500. If you're giving us a call, press option 1, then option 1 again. The team are available between 8am and 6pm Monday to Friday.
Insurance explained
Not sure how insurance works? Don't know your life insurance from your income protection? Our easy-to-read insurance guides are here to help.
