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.
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
Family Income Benefit
Get up to £2,500 as a monthly income for your family for the remainder of the policy
Get up to £500,000 of cover. This reduces over time and can protect a repayment mortgage, or other debt that decreases over time
Who can apply?
UK residents aged between 18 and 70. Member of the Armed Forces, Army Reserve (previously known as the TA) or Reservists cannot apply.
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?
You can choose how long you want the cover to last for when you apply for the policy. This can be for as little as 5 years or as long as 50 years, but the cover must end by age 80.
Will I need to provide medical information?
You will only need to answer a few simple health questions when you apply. We don’t need proof from your doctor and we won’t ask for any. Please be honest and accurate to be covered in minutes. Please be aware that if you have not supplied accurate details, we might not pay the full claim amount and your policy could be cancelled immediately.
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 cover: what kind do I need?
There is no best when it comes to life insurance, only the best for your situation. Here’s a guide to the different types of life insurance
Underinsurance: what is it and why is it a problem?
If you were to die unexpectedly, your family might struggle to cope without your financial support. In 2016, two-in-five of all deaths left partners behind to cope by themselves
Why choose decreasing cover?
For anyone not familiar with the details of life insurance, a policy known as decreasing cover does not sound like an attractive option.
Got a question?
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