16 April 2020

Royal London confirms majority of customers continue to be offered cover

5 min read

Meera Khanna, Consumer PR Manager
Meera Khanna

Corporate PR Manager - Protection


Royal London is making some temporary changes to its underwriting in response to the Coronavirus pandemic but has confirmed it will still be able to offer cover to 92 out of every 100 customers.

The changes being introduced include:

  • Increasing non-medical limits on its Life Cover by 10%, for customers under age 60, to help more people get the protection they need. Limiting requests for medical evidence can help reduce the demands on the NHS and offer people some cover without delay.
  • Requesting medical evidence only where it’s absolutely necessary. Royal London will gather additional medical information in more creative ways, such as requesting from customers rather than GPs to avoid putting additional strain on the NHS.
  • Improving the customer journey for individuals who have had direct contact with someone who’s confirmed or suspected to have had Coronavirus. Front line health workers are in a unique position, so in most cases their application will be progressed even if they answer the ‘direct contact’ question positively.
  • Temporarily changing the underwriting position for some higher-risk customer groups, which means cover may not be offered to individuals who have existing health issues.

Craig Paterson, underwriting and claims philosophy manager at Royal London, said:

“Our underwriting philosophy as a protection provider is to offer cover to as many people as possible and in these unprecedented times we remain committed to our ambition.

But we’ve had to make some changes to our business operations to adapt to the new normal and play our part in avoiding putting additional strain on the NHS. We still expect to be able to cover the majority of individuals, with 92 out of every 100 customers being offered cover.”

Notes to editors

The changes were introduced on 16 April 2020.

For further information please contact:

Meera Khanna, Corporate PR Manager - Protection

About Royal London:

Royal London is the largest mutual life insurance, pensions and investment company in the UK, with assets under management of £139 billion, 8.6 million policies in force and 4,348 employees. Figures quoted are as at 30 June 2020.