Life or Critical Illness Cover can give you and your family the financial stability you need to cope with the money worries that illness and death can bring.

We pay out a lump sum or income if you die or are diagnosed with a critical illness, or if you are diagnosed with a terminal illness or total permanent disability, covered by your plan.

Available through an independent financial adviser, our Life or Critical Illness Cover is designed to give you peace of mind should the worst happen.

And it comes with a package of support services through our Helping Hand service.

Remember that these plans don't have a cash-in value at any time and if you stop paying your premiums your cover will stop.

Some benefits of our Life or Critical Illness Cover


We cover a number of critical illnesses, including the most common reasons for claim (cancer, heart attack, stroke, children's critical illness and multiple sclerosis), so you're in safe hands. 


Extra peace of mind

We also cover a number of additional illnesses, including some early forms of cancer - with a payout of 50% of the cover amount, up to £35,000. 

A Helping Hand with your day-to-day

Our tailored Menu Plans come with our Helping Hand support service, designed to help you maintain a healthy lifestyle and be there for you during difficult times.

Children's Critical Illness Cover

Nobody wants to think about their child becoming critically ill but it's more common than you might think. That's why, when you take out Critical Illness Cover with us, we also give you the option to cover your children.

You can add Enhanced Children's Critical Illness Cover or Standard Children's Critical Illness Cover to your plan, depending on your needs and budget.

And you can add or remove it at any time. If you make a claim for your child, it doesn’t affect your main Critical Illness Cover.

Find out more

Woman pushing child on swing

Helping Hand

With a Royal London Menu Plan, you’ll have access to our Helping Hand support service.

Helping Hand includes a wellbeing support service, designed to help you maintain a healthy lifestyle. It gives the plan owners online access to a range of hand-picked early care medical services, so you have the help and advice you need to stay fit and healthy and help stop small health issues becoming a big problem.

A Helping Hand with recovery

If you (the plan owner), or your partner and children, are going through a difficult time, such as a serious illness, injury or bereavement, Helping Hand will also be there to offer support – even if you don’t make a claim. You can contact RedArc, who’ll give you access to a dedicated nurse. They’ll provide tailored and personal support whenever it’s needed, for as long as it’s needed.

Helping Hand is a package of support services and each service is provided by third parties that aren’t regulated by the Financial Conduct Authority or the Prudential Regulation Authority. These services aren’t part of our terms and conditions and don’t form part of your insurance contract with us, so can be amended or withdrawn at any time. This means that you or your family’s access to these services could be amended or withdrawn by us in the future.

Find out more 

Waiver of Premium (Sickness)

Waiver of Premium (Sickness) is available as an add-on to our tailored plans.

This means if you have an accident or illness that leaves you unable to work or carry out a number of tasks, you won't have to worry about your monthly policy payments as we’ll pay these for you. You can decide the amount of time between you stopping work and us paying your premiums. The choices are 4, 8, 13, 26 or 52 weeks. 

Value of advice

If you think that our Life or Critical Illness Cover could be right for you the next step is to speak to a financial adviser. There are many benefits to independent advice.

Find out more about the value of advice

Looking for something different?

If you would prefer to buy your Life Insurance directly with us, you've the option to add Serious Illness Benefit cover.
  • It offers extra protection for you and your children aged over 30 days old, by giving you cover for six illnesses that we define, if you survive 30 days after your diagnosis
  • You could add this for an additional cost when you take out Life Insurance, which you can buy online now