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Insurance

Help protect the people and lifestyle you love

Our range of insurance products help you to plan for the unexpected and protect yourself, your family and your lifestyle against life's ups and downs.

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Our insurance products

There are lots of different types of insurance that can help in different situations. Depending on what you choose, life insurance can cover everything from protecting your family's lifestyle if you die to leaving a gift for family or friends or helping pay for your funeral. Other types of insurance can help provide financial security for you, your family or your business if you become ill and can't work.

We offer three main types of insurance:

Life insurance

  • Pays out money if you die or become terminally ill while covered.
  • Can help provide for your family's financial future, cover mortgage repayments, go towards funeral costs or as a gift.
  • Available through a financial adviser or directly from us.

Find life insurance that's right for you  

Illness and income protection

  • Pays out a lump sum or regular income if you become critically ill or too injured or ill to work.
  • Can help provide financial stability while you concentrate on getting better.
  • Only available through a financial adviser.

Find illness and income protection to suit you  

Business protection

  • Protects your business from financial loss if a key person becomes ill or dies.
  • Can help to protect your business loans and provide employee cover.
  • Only available through a financial adviser.

Find protection for your business  

Make a claim

Whether you want to claim on your protection policy or if someone has passed away and you need to claim on their behalf, filling out forms may well be the last thing on your mind.

Find out online how you can make a claim. We'll make it as clear and easy to do as we can. We're here to help.

Make a claim  

Manage your insurance policy

Our customer service team is here to help, through good times and tough times too.

Update your personal details

If you've changed your name, moved house or need to change other personal details, you can use our online form to let us know.

Update your personal details  Selecting this link will open the Update your personal details page

Contact us

 

If you're an existing customer and you need to talk to us about your policy, you can get in touch with us online or give us a call.

 

Get in touch  

Protecting today, investing in tomorrow

Claims statistics

You’ll want to feel reassured that your protection plan will pay out if you need to make a claim. That’s why we publish our full claims figures every year.

Our claims statistics  about Claims statistics

Making our mutuality work for you

We're a mutual, so we're not answerable to shareholders. We can make our decisions in the best interests of you, our customers.

Learn about our mutuality  about Making our mutuality work for you

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.

Protecting your Maintenance Payments following a divorce

Divorce Day has become a term used to describe the first working Monday of January. It’s often considered a peak time for people initiating divorce proceedings. 
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Insurance with extras

Gone are the days of taking out an insurance policy and forgetting about it, as many modern policies now include additional benefits and services, often at no extra cost.
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First time buyer? Here’s what you need to know about insurance

Before you start thinking about building that flat-pack bookshelf, have you got suitable insurance in place to help you protect you and your new investment?
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Does having diabetes mean I can't get life insurance?

Having diabetes may mean having to pay more for life insurance, but that varies from insurer to insurer.
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Starting fresh: reviewing your insurance policies for the new year

The wind-down to Christmas is a joyous time of year for many. But, if you’re already looking beyond the festive season to the year ahead, why not consider starting the year by reviewing your insurance policies? Here are my top tips for reviewing your insurance for the new year.
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Will my family medical history affect my life insurance?

When you apply for a life insurance policy, the insurer might ask you about your family medical history. Find out what they do with this information.

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Protecting School Fees and University Costs

It’s that time of year when wherever you live in the UK, families are making plans, organising uniforms, books, bags and stationery to go back to school. For those young adults starting a degree course then there is also the added requirement to secure accommodation and travel costs.
Find out more

We’re all going on a Summer Holiday

Risks are something we don’t want to think about, but when we’re talking about our lifestyle, we should talk about protecting our income, which in turn will protect our lifestyle - including holidays.
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Protecting your divorce

Most of us know a friend or family member, or maybe even yourself have sadly gone through a divorce. Life insurance policies may well be a low priority when there is so much to sort out after a separation. However, it’s vitally important that thought is given to protecting your family, particularly if young children are involved.

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What is Critical Illness?

What is Critical Illness insurance? How does it work and how much cover do you need?
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Life insurance guides

What are the types of life insurance and do you need it? Read our guides to find out more about life insurance and how it works
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Protect yourself against insurance scammers

Insurance scams can come in various shapes and sizes all designed to prey on unsuspecting victims - whether that’s scams that mean you take out the wrong type of insurance or to get your personal details. So how can you protect yourself and what scams should you be aware of? Find out more.
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Unravelling common myths about insurance

In this article, we'll debunk some common myths to help you better understand insurance and how it could benefit you.

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What to think about before cancelling life insurance

If you’re thinking about cancelling your life insurance policy with Royal London, here are a few things you probably need to think about before doing so.

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Life insurance: everything (sort of), you’ve always wanted to know but were afraid to ask

A life insurance policy can be one of the best ways to protect your loved ones when you die. And if you’ve ever wondered ‘how it all works’, you’re in the right place. More..
Life insurance questions & answers

Life Insurance - which type is best for you?

There is no one-size-fits-all category, so different types of life insurance are available to help people have a choice of cover that suits their lifestyle.
Types of life insurance

What to tell insurers when buying life insurance

Applying for life insurance – the questions you’ll be asked depends on the type of life insurance cover you’re applying for. Here’s what to expect.
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Should I change my life insurance when I retire?

Life insurance gives you peace of mind that your loved ones will be provided for when you die. So, if you’re looking to retire, this may be the time to revisit your life insurance policy.
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Life Insurance: Terminal Illness Cover Explained

Learn how to claim a payout on your life insurance policy when diagnosed with a terminal illness. The Royal London easy to understand step by step guide.
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Should I write my life insurance in trust?

There are many factors to consider when taking out life insurance. Writing a policy in trust could be worth a consideration.
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What impacts the cost of life insurance?

Discover the factors influencing the cost of your life insurance. Learn how age, health, lifestyle, and coverage options impact your premiums.
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Can I take out life insurance if I've been diagnosed with cancer?

If you have been diagnosed with cancer, you may still be able to take life insurance. Typically, your cover will depend on your illness and your insurer.
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I’m over 60. Am I too old for life insurance?

Over 50 life insurance is designed for people aged 50 and over. The maximum age to qualify does vary between providers, but can be up to 85 years old with some.
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What is life insurance?

If your loved ones depend on your income, life insurance can help protect them financially when you pass away.
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What is the difference between life insurance and critical illness cover?

Life insurance cover pays out a lump sum to your beneficiaries when you die. Critical illness cover pays out a lump sum upon diagnosis of a critical condition from a defined health condition.
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How to apply for life insurance – the process explained

People worry about how much information they provide when getting a quote or applying for life insurance. With Royal London it's simple and straightforward.
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