Drewberry™ provide pensions, investment and insurance advice for Money to the Masses readers throughout the UK.

Bright Grey Income Protection

As of the end of 2015, Bright Grey has been rebranded to operate entirely under the Royal London brand.

Bright Grey Income Protection Solutions

Policy Terms PDF      Key facts PDF




Company Type


Company Overview

As part of the Royal London group Bright Grey was formed to be a forward thinking personal and business protection specialist working closely with the intermediary market.

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Income Protection Overview

A traditional income protection product which also offers both 12 and 24 month limited term benefit options which makes it very appealing for those looking for a more affordable option to to traditional full term payment period.


Bright Grey use an ‘Own Occupation’ incapacity definition for the vast majority of occupations…


The Bright Grey product has a core premium which is guaranteed for the full term of your policy…

Warning Triangle Small

It is important to note as is still the case with many insurers Bright Grey do not publish their claims statistics…


The Bright Grey product has an application which includes full medical underwriting so you know exactly where you stand from the outset…


Bright Grey Policy Conditions

An overview of the key policy details of Bright Grey Income Protection Solutions proposition.

Overview of Key Policy Details

Policy Type

Income Protection
(Accident & Sickness Only)



Premium Type


Maximum Claim Duration

Limited payment period options of 12 and 24 months are also available.

Incapacity Definition

Own Occupation
Incapacity definition for the majority of occupations. Only the most high risk occupations having a work tasks definition.

Deferred Period

4 / 8 / 13 / 26 / 52 weeks


When selected Bright Grey will annually increase your benefit by the Retail Price Index however the premiums will rise faster as the cost of the additional cover to match the Retail Price index is costed at your age at that point in time.

Waiver of Premium


Maximum Cover
(% Income)

50% Gross
Taxable Earnings

Maximum Cover
(£ per month)


Max. Policy Cease Age

65 years old

Min. Policy Term

5 years

Min. Entry Age

18 years old

Max. Entry Age

59 years old

Guaranteed Insurability

– Mortgage Increase

– Marriage or Civil Partnership

– Childbirth or Adoption

Guaranteed Benefit

Not Available

Overseas Travel

Cover is available overseas for a maximum of 12 months should the stay be temporary. If you become permanently resident outside of the United Kingdom, Channel Islands or Isle of Man, Bright Grey will cancel the cover and will not pay any claim.

Policy Exclusions

– Self Inflicted Injuries

– Restrictions with regard to living abroad.

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.
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Drewberry reviews Bright Grey Income Protection…

Bright Grey has a very reputable income protection policy (called ‘Bright Grey Income Cover for Sickness’) and overall protection insurance offering. Drewberry do not have any concerns recommending Bright Grey to our clients based on previous customer service levels and claims experience.

Key Comparison Points

  • For more risky occupations (possibly with a large amount of manual work involved) Bright Grey will not usually offer own occupation cover so it may therefore be more appropriate to look toward a more specialist insurer, such as Exeter Family Friendly;
  • When the inflation indexation option is selected, it is important to be aware that Bright Grey will take age into account when calculating premiums due to any rises in cover. This means that the premiums are likely to rise quicker than the benefit over time;
  • Bright Grey does not engage in providing additional benefits, with the focus being on customer service and affordable pricing.

Policy exclusions

Although it would seem like an obvious and possibly understandable exclusion, unlike many other insurers Bright Grey do exclude self-harm (termed as a ‘self-inflicted injury’) from their policy

Also unlike many other insurers, Bright Grey will not allow the plan to continue (it will be cancelled automatically) for anyone who decides to move overseas permanently.

Financial strength

Although possibly not as well known as other insurers, Bright Grey is part of one of the largest financial services companies in the UK, the Royal London Group, which was formed over 150 years ago and has over 3 million customers.

Being a Mutual Society, Royal London (and therefore also Bright Grey) do not have shareholders to pay and is run for the benefit of their members.


Bright Grey Income Insurance – Questions and Answers

A series of commonly asked questions with regards to the policy coverage of the Bright Grey permanent health insurance product.

Q. I’m looking at taking this policy out until age 65 as that’s when I hope to retire but am I tied into this policy at all? Are there any penalties if I cancel?

A. No, insurers understand that circumstances can change over such a long time so you would only need to provide 30 days notice if you would like cancel the policy.

It is usually best to have a run through with an adviser before making any changes. For example, it may be the case that someone is moving to a company that provides a longer period of sick pay, in which case it may be more appropriate to adjust the deferred period so it aligns with the new sick pay entitlement rather than cancelling the policy and taking out a new plan.


Q. The premium I’ve been quoted seems very affordable now but I’m worried this cost may go up in the future. Is the insurer able to increase the premium at will?

A. Whether the insurer is able to increase your monthly premiums depends on whether you select ‘reviewable’ or ‘guaranteed’ premiums.

Policies with reviewable premiums usually have lower initial rates but the insurer does have the right to change how much they charge you over time (rates are fixed with guaranteed premiums). Usual reasons for insurers making premium adjustments include the following: changes in the number of claims made; increasing insurer costs; inflation; falling investment returns; and tax changes.

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4.92 / 5 Average
2033 Reviews
Mr B
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Excellent customer service and I'm delighted with my new insurance policy.
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Victoria Slade has been consistently prompt, personable, efficient and a greta communicator. It is the first time that we have had straightforward dealings with financial services since becoming qualified Drs 20 years ago. Well done!
K Szymkiewicz
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Rauri Taylor is Independent Protection Expert who you want to help you with any Pensions, Investments & Insurance. He helped me made right choice.
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Professional service, Oliver seemed genuinely interested in getting the right product for me. I was given plenty of options and everything was described fully when required. I felt no pressure to purchase a product.
G Bigga
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Helpful, knowledgeable and efficient and able to find great prices. I would highly recommend