What does it cover?

Whole of Life Cover pays a sum of money when you die or become terminally ill. Your cover lasts for the rest of your life, or as long as you want it.

Consider our Whole of Life insurance if you’re thinking about leaving a legacy for your family, inheritance tax or protecting your business after you’re gone.

This plan is available through an independent financial adviser, who can help you understand all your options before you decide on the right cover for you and your family.

The Financial Conduct Authority and Prudential Regulation Authority do not regulate taxation and trust advice & Will writing.

Features of Whole of Life Cover

  • Payout will be given as a lump sum

  • Choose the amount of cover to increase, or remain at the same level over the term of the plan

  • There are some circumstances where you may be able to increase your cover without providing any further medical evidence

  • Includes our Helping Hand service. Gives you access to wellbeing support services including a range of hand-picked early care medical services, and a dedicated nurse. And you don't have to make a claim to use it

  • Optional Waiver of Premium add-on pays your monthly payments if you're unable to work through illness or injury.

Important things to know

  • You can apply if you’re a UK resident aged between 18 and 89
  • Your plan will continue until you die or stop paying the monthly payments
  • Your monthly payment will stay the same over the full term of the plan unless you choose reviewable payments or increasing cover
  • You will need to answer medical questions, and may need to attend a medical before your cover starts
  • There is no cash-in value at any time
  • Your plan can be used to insure you and your partner, if that’s needed.

How does it work?

Find a financial adviser

They'll ask questions about your finances and lifestyle to make sure you apply for the cover you need, and then send us your application.

What to expect

We'll go through your application and might ask you to go for a medical - this can be arranged for a time that suits you.

When does my cover start?

We'll let you and your adviser know as soon as your cover starts. Once it starts, you'll have access to our Helping Hand service.

Find an adviser

You can buy Whole of Life Cover from a financial adviser. If you don't already have one, we can help.

Find an adviser Find an adviser

Why Royal London?

We are mutual

We’re a mutual which means everything we do is for the best interest of our customers. We use our profits to invest in improving our products, not paying shareholders.

Helping Hand

Every Whole of Life plan comes with our Helping Hand service - designed to help you maintain a healthy lifestyle and give you support during difficult times.

Our awards

Whether it's for our outstanding products or first-class service, we're delighted to have received several awards over the years.

About making a claim

  • We make things as clear and easy as possible and give you a dedicated claims specialist.

  • When you make a claim, we’ll ask if you, your partner and children want expert help as part of our Helping Hand service.

  • You’ll need a few documents before you get in touch with us and we have helpful information to make the process easier. Learn about starting the claims process.

99.6% of claims paid in 2020

* Source - Royal London Protection business claims paid, 1 January to 31 December 2020.

Helping Hand

Helping Hand is a package of support services and each service is provided by third parties that aren’t regulated by either 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.

Looking for something different?

Whether you want to protect your family, your house and mortgage or just leave something after you're gone, we've got a life insurance policy to fit your needs.

Explore life insurance options Explore life insurance options

Frequently asked questions

Whole of Life cover pays a sum of money when you die or become terminally ill. You might want to leave money for your family, to pay off a mortgage or to help pay for your funeral. You can choose as much or as little cover as you'd like. It is only available through a financial adviser.

This plan has no cash-in value at any time and if you stop paying for your plan, your cover ends and you won't get anything back.

If your payment is five weeks overdue, we'll cancel your plan so you won't be covered anymore. We'll write to you to tell you that we've cancelled your plan. If we cancel your plan because of a missed payment, you can ask us to restart it within six months of the first missed payment. Please get in touch and we'll tell you what we need before we can restart your plan.

However, there may be times when we can't restart your cover or we may need to increase your monthly payment. This could happen if your health has changed since you completed your application.

Our claims procedures are straightforward and backed by expert teams who will look to complete the claim and pay out the money as quickly as we can. You or your family won’t have a long, difficult process with us should the worst happen to you and once your claim has been processed, the money will be sent to you as quickly as possible.

Make a claim

When you've been around for as long as we have, you know that life is full of changes. If you need to update details such as names, addresses, or bank details, we can help you make the changes you want.

Update my policy

A financial adviser will use their knowledge and experience to make sure your plan does exactly what you need it to. They will be able to find a suitable policy for your needs and budget.

Advisers charge in different ways – some charge a set fee, others are paid from commission. Your adviser will make this clear in your first meeting with them.

Whole of Life cover pays a sum of money when you die or become terminally ill. You might want to leave money for your family, to pay off a mortgage or to help pay for your funeral. You can choose as much or as little cover as you'd like. It is only available through a financial adviser.

This plan has no cash-in value at any time and if you stop paying for your plan, your cover ends and you won't get anything back.

If your payment is five weeks overdue, we'll cancel your plan so you won't be covered anymore. We'll write to you to tell you that we've cancelled your plan. If we cancel your plan because of a missed payment, you can ask us to restart it within six months of the first missed payment. Please get in touch and we'll tell you what we need before we can restart your plan.

However, there may be times when we can't restart your cover or we may need to increase your monthly payment. This could happen if your health has changed since you completed your application.

Our claims procedures are straightforward and backed by expert teams who will look to complete the claim and pay out the money as quickly as we can. You or your family won’t have a long, difficult process with us should the worst happen to you and once your claim has been processed, the money will be sent to you as quickly as possible.

Make a claim

When you've been around for as long as we have, you know that life is full of changes. If you need to update details such as names, addresses, or bank details, we can help you make the changes you want.

Update my policy

A financial adviser will use their knowledge and experience to make sure your plan does exactly what you need it to. They will be able to find a suitable policy for your needs and budget.

Advisers charge in different ways – some charge a set fee, others are paid from commission. Your adviser will make this clear in your first meeting with them.