Bright Grey was previously a brand owned by Royal London; it has since been folded under the Royal London umbrella and no longer offers policies in its own right.
Bright Grey’s life insurance will provide your family with a guaranteed lump sum or a monthly income if you die or are diagnosed with a terminal illness.
You can decide what kind of cover you want, depending on your circumstances choosing between an amount that stays the same (a level term), an amount that goes down with your outstanding mortgage (a decreasing term) or a lump sum that goes up with inflation (indexed).
Bright Grey also offer the option for a monthly family income benefit.
An overview of the key policy details of Bright Grey Life Insurance proposition.
Overview of Key Policy Details
Level Term Insurance, Decreasing Term Insurance and Family Income Benefit
Single & Joint cover available on first death basis only
Full Medical Underwriting
Guaranteed for Life Cover
Terminal Illness Cover
Optional Critical Illness Cover
Critical Illnesses Covered
48 critical illnesses are covered with 41 of those available with full cover
Children’s Critical Illness Cover
Yes with the critical illness cover option
Waiver of Premium
£10,000,000 or £1,000,000 for Life cover with critical illness
Determined by the minimum premium
Max. Policy Term
Min. Policy Term
Min. Entry Age
18 years of age
Max. Entry Age
Self-inflicted injury within the first 12 months of the plan or diagnosis of a terminal illness in the last 12 months of the plan
We can arrange for a paper application, however we would recommend that you complete your application with one of our independent insurance experts over the telephone on 0208 432 7333.
This is to ensure that you have not missed anything and will not risk any failed claims due to non-disclosure in the future
Claims Telephone Number
Access to medical, legal, career and personal helplines.
Call 0845 6094 500 to register a claim
Other Bright Grey Policies
As part of the Royal London Group, Bright Grey has the financial strength and standing to offer secure and comprehensive protection products to its clients.
The life insurance policies available with Bright Grey are also particularly flexible offering a range of payout options including a level, decreasing and indexed term.
Not only that, you can also opt for a monthly income payout that could help you family cover any regular financial commitments should the worst happen. A decreasing term is particularly useful to help you pay the remaining amount on your mortgage.
Bright Grey also offer a mortgage repayment guarantee option, providing you with the reassurance that you won’t leave your family with the burden of mortgage repayments in the event of your death or diagnosis of terminal illness.
A series of commonly asked questions with regards to the policy coverage of the Bright Grey Life Insurance policies.
Q. I am not sure a lump sum pay out would suit my requirements. Are there any other options with Bright Grey’s Life Insurance?
A. Yes. One of the key benefits of a life insurance policy with Bright Grey is that they offer a flexible range of options on the benefit paid out to your family on the event of your death or terminal illness.
You can select a level term whereby the policy pays out a set lump sum. A decreasing term, which will drop with your mortgage or an income benefit that pays out a monthly income to your family. Helping to cover any monthly financial commitments.
Q. Can I increase the level of my life insurance cover at any time with Bright Grey?
A. In certain circumstances you will be able to increase the level of cover including marriage, becoming a parent or an increased mortgage.
Most insurance providers offer guaranteed insurability options (GIOs), please take a moment to speak to one of our independent insurance experts to find out which one best suits your specific requirements on 0208 432 7333.
I had the pleasure of dealing with Jake Mills in organising my insurance. Jake was fantastic to deal with — his patience and understanding really helped.