Why Royal London Life Insurance?
Get cover in minutes
Answer a few questions and your family could be protected
Payments start from as low as £7 per month
that's 23p a day!
Terminal Illness Cover
Included at no additional cost for peace of mind
Money for your loved ones
Up to £500,000 single payment, or up to £2,500 for the remainder of the term
Serious Illness Benefit
Add this extra protection to Life Insurance for you and your children over 30 days old.
Reduce Monthly Payment
You can reduce the payment at any time to any amount, subject to the minimum of £7 a month for Life Insurance.
We go better than gold…platinum! We’ve won a Gold Trusted Service award for three years in a row, which now gives us a Platinum Trusted Service award. That makes us very proud to be recognised by Feefo as providing exceptional levels of trusted service. Hear what our customers have to say.
Different types of life insurance
cover to suit you
With our Life Insurance, we can help you find the right kind of cover to suit
your specific needs with our bespoke offers.
Can pay out a fixed amount, up to £500,000 to protect an interest-only mortgage or provide a lump sum for your loved ones
Get up to £500,000 of cover. This reduces over time and can protect a repayment mortgage, or other debt that decreases over time
Family Income Benefit
Get up to £2,500 as a monthly income for your family for the remainder of the policy
Looking for life insurance to cover your mortgage?
Our Decreasing Cover can help your family continue to pay the mortgage when you pass away.
Who can apply for your Life Insurance?
UK residents aged between 18 and 70. Members of the Armed Forces, Army Reserve (previously known as the TA) or Reservists cannot apply.
How long is the claims process?
If you pass away from any death, including coronavirus, while covered, your family or whoever is making the claim can start the claims process once the death certificate is issued. Medical evidence might be required during the claims assessment. Once the claim is approved, the money is paid into a UK bank accounts by BACS. Typically, funds clear within three to five working days.
Can I take a payment holiday from your Life Insurance?
Payment holiday - After your first year, you can have a break from making your monthly payments for up to six months - and still stay insured. Not all providers let you do this.
You'll have to make up the missed payments or reduce your payout amount after your payment holiday finishes.
You can have up to two payment holidays during your policy – only one can be taken within any twelve month period.
How much cover can I have?
This depends on the type of life cover you choose. You can have a lump sum up to £500,000 for all Level Cover and Decreasing Cover policies and up to £2,500 a month for all Family Income Benefit policies, up to a total of £500,000.
How long do I need Life Insurance cover for?
It depends on your personal circumstances. With us, it can be for as little as five years, or as long as 50 years. But the cover must end by age 80.
How long do I need to make payments for?
You’ll need to keep making monthly payments throughout the period of cover, unless you die or a terminal illness diagnosis has been confirmed. You can stop making your payments at any time. If you do, your cover will end and you won't get anything back.
Can I reduce my monthly payments?
Yes, you can reduce the payment at any time to any amount, subject to the minimum of £7 a month for Life Insurance. If you choose to reduce your payment your cover amount will also reduce. If you have Serious Illness Benefit you may not be able to reduce your monthly payments to £7. This is because the cost of Serious Illness Benefit is worked out separately, even though we take both payments at once. Also, we will never increase your monthly payments.
Can I take out additional cover?
You cannot increase cover under your existing policy; however, you can apply for a new policy. Acceptance is subject to completion of our application process. Any additional Life Cover policies taken out will be subject to the terms and conditions applicable to that policy at the time they are taken out. Also, your partner can apply for a policy too – as long as they’re eligible for cover.
What if I stop paying?
If you stop making your monthly payments then your cover will stop. It is worth remembering that you won’t get any money back, as this is a life insurance policy and not a savings plan. So you can’t cash in your cover at any time.
What if I miss a payment?
Not to worry. Just make sure to pay the full amount within 60 days of the missed payment date and you'll be fine. If you don't pay in that time, we'll have to cancel your policy right after the 60th day. You will not get a refund, receive cover or be able to restart the policy.
Looking for something different?
We also offer life insurance through an independent financial adviser.
Life cover for any amount you need and the option to adapt your plan if your circumstances change. You can also choose to increase your cover each year to protect against inflation.
An independent financial adviser can help you decide what cover is right for you. You can combine different cover types and you can also take out cover with your partner.
Access to a dedicated nurse to help you and your family (partner and children) through serious illness, injury or bereavement. You’ll also have the option to get a second medical opinion.
More about life insurance
Life insurance - what kind do I need?
Whole-of-life, insurance without a medical, or just looking to protect your mortgage… whatever your need there’s a wide variety of life insurance policies to choose from. Find out more.
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.
What is underinsurance for life cover?
Life insurance can give your family financial protection in the event of your death. However, it’s equally important to ensure that you take out the right level of cover, otherwise you run the risk of being underinsured. Find out how to avoid this.
Why choose mortgage life insurance?
While there are good reasons to get mortgage life insurance, it also pays to understand how it works. Find out more.
Got a question?
Call us, we're here to help
Free from UK landlines and mobiles
Mon to Fri: 8am-7pm. Sat: 9am-5pm. Sun: 10am-4pm.