A few months ago my brother casually dropped into conversation that he hoped it was ok that he’d put me down as the guardian of his three daughters in his will if something happened to both him and his wife.
At Royal London, we’re committed to giving your clients cover where it matters.
No one likes to think about their child becoming critically ill, but it’s more common than you might think.
That’s why we’ve introduced new options which your clients can add to their own Critical Illness Cover.
Introducing, our new Children’s Critical Illness Cover - made to measure for the whole family.
Your clients can choose the level of cover to suit their needs:
Enhanced Children’s Critical Illness Cover provides comprehensive, tailored protection from pregnancy through to young adulthood, and includes 12 child-specific conditions – as well as our main critical illness conditions and additional conditions. It also includes an extra additional condition – pregnancy complications.
Standard Children’s Critical Illness Cover covers children for our main critical illness conditions – great for clients who perhaps want some cover for older children, or for those who may be a bit more cost conscious.
And if clients don’t have children yet, or don’t want cover for children, they can remove Children’s Critical Illness Cover completely – so they won’t pay for something they don’t need.
We understand there’s no one-size-fits-all. Your clients all have different needs which grow with their family over the years.
That’s why they can add or remove Children’s Critical Illness Cover at any time, over the phone – without giving us any medical information.
Visit our website to find out more.
Your clients can choose to add Enhanced Children’s Critical Illness Cover or Standard Children’s Critical Illness Cover when they take out Critical Illness Cover with us.
Our definition of children includes legally adopted children and financially dependent children up to the age of 21 (whether born before or after the start date of the plan).
Your clients' own cover won't be affected by any children's claims we pay out.
12 child-specific conditions - we’ll pay out 50% of the amount of Critical Illness Cover, up to £50,000 if a child meets the definition of any of our child-specific conditions:
Terminal illness – if a child meets our definition of terminal illness, we’ll pay out 50% of the amount of Critical Illness Cover, up to £50,000.
Death of a child - we’ll pay out £5,000 on the death of a child.
45 main critical illness conditions – if a child meets the definition of one of our main critical illness conditions, we'll pay out 50% of the amount of Critical Illness Cover, up to £50,000.
14 additional conditions - if a child meets the definition of one of our additional conditions, we’ll pay out 25% of the amount of Critical Illness Cover, up to £25,000.
If your clients meet our pregnancy complications definition,we’ll pay out £5,000 for each affected pregnancy. In the case of multiple births we’ll pay out £5,000 for each baby affected by foetal death, still birth and neo-natal death.
Visit our interactive definitions search tool for details of our child-specific critical illness definitions, our 45 main critical illness definitions, and our additional conditions.
Full details of all our definitions can also be found in our plan details.
There are some circumstances where we won’t pay a claim. For full details, take a look at ‘When we will and won’t pay a claim’ in Section one of our plan details.
For full terms and conditions, see our plan details.