Royal London began as a friendly society in 1861, later changing to a mutual society in 1908. Today, Royal London is now the UK’s largest mutual life, pensions and investment company.
While several brands previously operated under Royal London, including Bright Grey and its sister brand Scottish Provident, in 2014 Royal London sought to unify them.
Today, the brands owned by Royal London all now operate solely beneath the Royal London banner.
Royal London are one of the UK’s most well known providers of Life Insurance and offer a range of affordable options for people looking to protect their loved ones.
Overview of Key Policy Details
Level Term/Decreasing Term/ Increasing Term/Family Income Benefit/Increasing Family Income Benefit
Single / Joint Life First Event / Life of Another
Full Medical Underwriting
Terminal Illness Cover
Optional Critical Illness Cover
Critical Illnesses Covered
Children’s Critical Illness Cover
Included with Critical Illness Cover
Waiver of Premium
Min. Entry Age
18 years old
Max. Entry Age
88 years old
Available if policyholder:
Self inflicted injury and suicide within 12 months of the policy start date.
Royal London offer a flexible Life Cover policy, with a maximum term of 72 years and a cease age of 89 years old.
We try to find out everything there is to know about the policies we advise on to ensure that we are in the best position to match you with the most appropriate policy.
Below, we have answered a few frequently asked questions given to us by our customers about your Royal London Life Insurance policy. If you need any further help, please do not hesitate to call us on 01273646484.
A. Royal London will base the increase of your premiums on several different factors: the amount your cover is increasing by, your age, your policy cease age, and your premiums at the start of your policy. Royal London will inform you of how much your premiums will increase by a month in advance.
A. Additional Conditions Cover is an extension of Royal London’s Critical Illness Cover, which is available to any one with CIC or a combined Life Insurance and CIC policy.
Royal London’s CIC covers 60 conditions for which you can claim the full amount you are insured for. Additional Conditions Cover covers an additional 14 conditions for which you can claim 25% of the amount you are insured for. This conditions include minor cases of covered critical illnesses as well as some other conditions.
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?
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.
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 firstname.lastname@example.org.
Independent Protection Expert at Drewberry
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.