royal london

Royal London Life Insurance

Royal London’s Life Cover



Company Type


Company Overview

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 Life Insurance - Key Facts

Royal London Life Insurance - Policy Terms

Royal London Life Insurance Overview

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.

  • The premiums of Royal London’s Life Insurance policies are Guaranteed. This means that they won’t increase over time providing your cover stays the same.
  • When applying for your policy, any exclusions will be given to you upfront, so you know exactly what you are and are not covered for in your policy. This is because Royal London use Full Medical Underwriting.
  • Royal London offer Family Income Benefit to ensure that your loved ones are financially supported with regular payments rather than one lump sum.
  • This policy’s standard premiums are Guaranteed and stay the same throughout the term of your policy.
  • Waiver of Premium is separated into two optional parts, one for sickness and one for unemployment. You can choose which, if any, you want to add to your policy.

Enjoy 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Health Insurance policy.

Simply fill in the form below to apply your two months free discount or call us on 02084327333 and state the code VC2MF.

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Royal London Policy Conditions

Overview of Key Policy Details


Life Insurance


Level Term/Decreasing Term/ Increasing Term/Family Income Benefit/Increasing Family Income Benefit

Policy Coverage

Single / Joint Life First Event / Life of Another


Full Medical Underwriting

Premium Type

If you choose increasing cover, your premiums will increase each year.

Terminal Illness Cover


Optional Critical Illness Cover


Critical Illnesses Covered

16 of these critical illnesses are covered by Additional Conditions Cover, which pays out 25% of the amount you’re insured for to a maximum of £25,000.

Children’s Critical Illness Cover

Included with Critical Illness Cover
Children are covered for 50% of your payout until age 21, with maximum cover of £25,000. 


Maximum increase of 10%

Waiver of Premium

Waiver of Premium for unemployment and sickness are separate and need to be applied for separately.

Maximum Cover


Min. Entry Age

18 years old

Max. Entry Age

88 years old

Guaranteed Insurability

Available if policyholder:

  • Changes their marital status or enters into/dissolves a civil partnership
  • Increases their mortgage
  • Has or adopts a child
  • Gets a salary increase

Policy Exclusions

Self inflicted injury and suicide within 12 months of the policy start date.

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’s Royal London Life Insurance Review

Royal London offer a flexible Life Cover policy, with a maximum term of 72 years and a cease age of 89 years old.

Key Comparison Points

  • Royal London are one of the few insurers that offer Increasing Cover Life Insurance as well as indexation. With this type of policy, you can choose to have your cover adjusted according to the RPI, or you could set your cover to increase at a fixed rate on a yearly basis.
  • Royal London’s payout rates are typically some of the highest, reaching as many as 98% of claims being paid by them in both 2014 and 2015.
  • Royal London have two separate options for Waiver of Premium – sickness or unemployment – rather than most insurers who have a general Waiver of Premium option that covers both sickness and unemployment.

Additional Benefits & Services

  • To ensure that your Life Insurance payout goes to the right people after you die, Royal London have teamed up with The Co-Operative Legal Services to provide easy services to write a will and set up a trust. As part of the service, they will provide legal advice and help you choose the best options to match your situation.
  • With its Life Cover, Royal London offer their Helping Hand service as standard. This free service provides valuable support for anyone dealing with an illness or recent death. You will receive a dedicated nurse to help you get the best practical and emotional support.

Royal London Life Cover: FAQs

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.

Q. How much will my premiums increase by each year if I choose a policy with increasing cover?

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.

Q. What is ‘Additional Conditions Cover’ with Royal London’s Life Insurance?

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.

Need Expert Life Insurance 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 2949 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.
samatha haffenden-angear, independent protection expert 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

Samantha Haffenden-Angear
Independent Protection Expert at Drewberry

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

Dan Pettitt
13/01/2021 Logo
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