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Royal London Income Protection

Income Protection Solutions



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Company Overview

Royal London was founded in 1861 as a friendly society and went on to become a mutual society in 1908. It’s now the UK’s largest mutual life, pensions and investment company.

Royal London has owned the Bright Grey insurance brand since 2003.

Beginning in 2014, Royal London moved to bring the various brands it operated under a unified Royal London umbrella. At the end of 2015, Bright Grey and its sister brand, Scottish Provident, were re-branded as Royal London and now operate solely beneath the Royal London banner.


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Income Protection Overview

Royal London’s flexible Income Protection policy allows policyholders to choose between a variety of options, such as level or increasing cover and how long they want the cover to pay out for.

  • Royal London uses the ‘own occupation‘ definition for its Income Protection policies.
  • Income Protection Insurance from Royal London offers a choice of maximum claim duration: 12 or 24 months or until the end of the policy.
  • Royal London’s monthly benefit on an Income Protection policy will never be less than the lower of £1,500 per month or the amount of cover on the plan.
  • Royal London allows for waiver of premiums in the event of sickness and unemployment.

Additional Benefits

Helping Hand
Comes as standard with Royal London’s Income Protection policies at no extra cost to support clients through tragic life events such as the diagnosis of a critical illness or the death of a loved one. Helping Hand goes beyond financial payouts by providing a personal nurse adviser to help policyholders and their families through a difficult time.

Fracture cover
Payments of between £1,500 and £4,000 on top of any benefit you’d receive for being off work if you receive a fracture of a specified body part

Hospitalisation Benefit 
Up to £100 per night for up to 90 nights after six consecutive nights of hospitalisation, providing the hospitalisation is not as a result of an excluded condition

Accelerated terminal illness payment and death benefit
Deferred period is waived if you’re terminally ill and, if the policyholder dies during the policy term, Royal London will pay a lump sum equal to 12 times the monthly premium.

Royal London Policy Conditions

Overview of Key Policy Details

Policy Type

Income Protection

Premium Type


Maximum Claim Duration

12 months, 24 months or unlimited (until the end of the policy)

Incapacity Definition

Own Occupation

Deferred Period

4 / 8 / 13 / 26 / 52 weeks


The benefit on Royal London’s Increasing Income Protection can rise by either a chosen rate of interest (between 2% and 5%) or an index-linked rate based on the retail prices index (between 2% and 10%)

Waiver of Premium


Maximum Cover

65% of the first £15,000 income and 55% of the remainder, up to a maximum of £250,000 per year

Minimum Cover

£100 per month

Spouse salary and dividend cover

You can protect your spouse’s salary/dividend income from your limited company providing the spouse is not in a profit-generating role and salary is a nominal (£11,500)

Minimum Entry Age

18 years old

Maximum Entry Age

59 years old
Policyholder must be no older than 70 when the policy ends (55 for certain higher-risk occupations)

Minimum Policy Term

5 years

Maximum Policy Term

52 years

Maximum Entry Age

59 years old

Back to work benefit

For those with a 13, 26 or 52 week deferral period only
Provides financial support for two further months to those who have to return to work following a claim. For a full-term plan you’ll receive 50% of the monthly benefit for one month and 25% of the benefit for the second month; for short-term cover, you’ll receive 25% of the monthly benefit for one month, 10% of the benefit for the second month

Guaranteed Insurability

With no need for an additional medical if you’re increasing your mortgage, getting married, having a child or have had a salary increase providing the person covered is under 55

Guaranteed Benefit

The lower of £1,500 per month or the amount of cover on the plan
If  your income has fallen and 55% of your pre-incapacity earnings is less than the amount the plan covers you for, Royal London will pay the lower of: 55% of your pre-incapacity earnings (subject to a minimum of £1,500) or the amount of cover on the plan at the time of the claim.

Policy Exclusions

Incapacity resulting from self-inflicted injuries

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.

Drewberry Reviews Royal London Income Protection…

Royal London offers a comprehensive Income Protection offering with in-built flexibility and a number of policy options available.

Like other Royal London insurance policies, their Income Protection offering comes with the Helping Hand option as standard, offering practical and emotional support to clients or their beneficiaries who have had to claim on a Royal London plan.

Key Comparison Points

  • Royal London’s maximum of 55% of a policyholder’s pre-incapacity earnings is lower than for some other insurers, such as British Friendly and Shepherds Friendly, which both offer a maximum of 70% of earnings. If you need to insure more than 55% of your earnings, another insurer might be more appropriate.
  • However, Royal London does offer a guaranteed benefit, meaning the monthly payout on Royal London’s Income Protection policies will never be less than the lower of £1,500 per month or the amount of cover on the plan. This might be useful if your income has fallen in the period between you taking out the policy and making the claim, perhaps because you’ve had to reduce your hours due to ill health.
  • Most people would want to make sure their Income Protection would pay out in the long-term, i.e. until the plan ends/their retirement, which is why Income Protection Insurance is generally offered with an unlimited maximum claim period. Royal London offers this option, but also give policyholders the choice to choose a 12 and 24 month maximum claim duration, which would reduce premiums and may be more appealing to those wanting cheaper Income Protection.
  • Royal London’s minimum entry age of 18 is generally the industry standard, but there are insurers that offer Income Protection to people from the age of 16 or 17 for those wanting cover from this age.
  • Royal London allows the self-employed to protect any fixed payments they are required to make alongside their wages, fixed payments including those for services (e.g. insurance) or credit agreements (e.g. loans).

Policy exclusions

  • Self-inflicted injuries

Financial strength

With more than 150 years behind it, Royal London has stood the test of time. The insurer has been through both the Great Depression and the financial crisis of 2008/09 and is still offering its members protection today.

Being a mutual insurer, Royal London doesn’t have shareholders to pay, so it is run entirely for its members.

Royal London Income Insurance – Questions and Answers

We aim to know the policies we advise on, inside out and back to front. Below is a couple of commonly asked questions with regards to the policy coverage of the Royal London permanent health insurance product answered.

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. If you want to cancel your policy, you can do so by providing the insurers with 30 days’ notice.

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. Does Accident and Sickness Insurance from Royal London cover me while I’m living and working abroad?

A. For all of Royal London’s insurance policies apart from Life Cover, Royal London may ask you to return to one of a selection of countries before making a claim. These countries are found in Royal London’s Terms and Conditions.

Need Expert Income Protection Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2946 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
Tom Conner Director at Drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02084327333 or email

Tom Conner

I’ve held a policy with Drewberry for several years now. They are always friendly, insightful and offer great service.

Dan Pettitt
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