1. Home
  2. Articles and guides
  3. Protection articles and guides
  4. Changes to how you receive acceptance terms

Share

Changes to how you receive acceptance terms

Published  19 February 2026
   5 min read

We’re switching off paper copies of acceptance terms. These will continue to be available on the adviser dashboard once a plan has been accepted, and if you need a paper copy for your records, you can contact us and we’ll arrange one for you.

As part of our commitment to reducing the amount of paper we send through the post and to make it easier for you to do business online, we’re switching off some of our documents and making them available to download from the adviser dashboard.

At this stage, only how you access acceptance terms is changing. We’re committed to continuing to make it easy for you to access everything you need online, so we’ll keep you updated of future changes. We’ll also be updating your terms of business to reflect our commitment to being paper-free.

We’ve put together a short Q&A to help answer any questions, and if you’ve other questions speak to your usual Royal London contact.


Q&As


Why haven’t I received my acceptance terms in the post?

You can access acceptance terms online only, and we’ll no longer issue paper copies. This supports our commitment to reducing paper use and streamlines your processes with key documents easy to access digitally.

Where can I find acceptance terms?

Acceptance terms can be downloaded from your adviser dashboard. You’ll find them in the ‘Open details’ section of the submitted applications tab and the Plans tab, assuming a final decision has been made, and the acceptance terms are available.

Can I request a paper copy?

Yes. If you need a paper copy, you can request one by contacting our customer service teams.

What happens if I’ve submitted a paper application?

If you’ve submitted a paper application, we’ll continue to issue a paper copy of the acceptance terms in the post.

Any application submitted online will have a digital copy available on the adviser dashboard, and we won’t send a paper version.

More articles you might like

The role of protection in navigating IHT reform

Inheritance tax (IHT) reform is changing protection advice. Clients are focusing more on protecting their financial legacy, making IHT planning a key part of protection.
Read more

Let’s talk about referrals

Discover what AMI Viewpoint 2025 reveals about protection referrals, client preferences and why introducing protection early leads to better outcomes.
Read more

Helping clients keep education plans on track

Private school fees and university costs can be a long-term commitment. Discover how protection planning can help families stay financially resilient.

Read more

Economic abuse: What is it and who is at risk?

Shelley Read, Senior Protection Development and Technical Manager, looks at the issue and the steps that can be taken to help those experiencing this situation.
Read more

Our dashboard improvements are now live for administrators

We’ve made it easier for you to manage plans which have previously started – learn more about what’s changed.
Read more

Income protection for the self-employed

Being self-employed offers freedom, flexibility, and control over your own future, but it also means that you are the business. If illness or injury prevents you from working, there’s no employer to fall back on. Our article covers why income protection matters and how to set it up.
Read more

Mortage Strategy podcasts

Our latest podcast series, in collaboration with Mortgage Strategy, are bringing you the protection and claims insights from the professionals in the industry.
Read more

FAQs on Children’s Critical Illness Cover

The average family with young children in the UK has seen their expenses rise by over £1,000 a month since February 2023 according to Royal London’s latest report on how the cost of living continues to impact people’s financial resilience.

Read more

Improved underwriting limits

We’ve recently updated key underwriting limits, improving our underwriting journey and making it easier for you to do business with us.
Read more

Acquisition of Responsible Life & Lending

Today, we announced that (subject to regulatory approval) we have wholly acquired later life lending and product specialists Responsible Life and Responsible Lending.
Learn more

Making trusts even easier

Whether or not a client’s plan should be written in trust is something every adviser should consider. It could be argued that trusts are one of the most important financial planning tools at your fingertips.

Find out more

The added value of advised protection

In the face of the rising cost of living, many people have changed their spending habits - at least a little - to help make their budgets stretch further.

Find out more

Supporting your clients during a difficult time

In 2022 we paid 99.4% of all claims, helping 79,084 customers and their families at a difficult time. Our claims track record remains consistently strong, and it shows we’re committed to paying claims.
Read more

Royal London acquires Aegon UK’s individual protection book

Royal London has today announced it has reached an agreement with Aegon UK to acquire its individual protection line of business, subject to court approval.
Read more

How to place value on protection in tough times

It’s inevitable that during the current cost of living crisis, people will be keeping a watchful eye on their budgets - making savings where they can, so they can still afford the things that are important to them.
Read more

The impact of career changes on income protection

A job is rarely for life these days. On average, around 9% of people changed jobs each year between 2000 and 2018, ranging from a low of around 5.7% in 2010 to a high of around 10.9% in both 2017 and 2018.
Read more

The cost of living without protection

Britain’s cost-of-living crisis has hit us hard, and with ever increasing retail and energy prices affecting millions of households, protecting our income is now more important than ever.

Read more

Five ways to help your clients stay financially resilient

With 95% of UK adults concerned about the rising cost of living* according to a recent Royal London study, are protection policies at risk of being scratched to save a few pounds?
Read more

Joint life policies and trusts – could you, should you?

Should you ever consider writing a joint life policy into trust? Is it even possible and if so, what are the benefits?
Learn more about trusts

Additional anti money laundering (AML) checks

We’ve added some additional checks to further tighten our money laundering controls. These may impact your customers' plans, new applications or claim.
Read through the details