Business Protection literature

Business Menu Plan application form

This form can either be used as a paper application form, or to capture your customer's information to apply for a Business Menu Plan using our online quote and apply system

Business Menu Plan form for multiple applications

This form helps us to process multiple protection applications for people in the same organisation. Once completed, it should be attached to the other application forms.

Business Menu Plan data capture form

Use this form to capture the information required by our online quote and apply system for the Business Menu Plan. This form can't be used as a replacement for a paper application form.

Business Menu Plan financial questionnaire

Complete this questionnaire for Business Menu Plan applications where financial underwriting limits need more information about the company's finances.

Business Protection Fact find

Use this template to guide conversations about your client's business.  It's not designed to be a full fact find but could help you establish the current protection needs of the business and highlight any gaps in their current protection. 

Declaration of health

Fill in this form if your client wants to make changes to an existing plan, reinstate a lapsed plan, or if there's been a delay between application and a new plan starting.

Additional health questions

Use this supplementary form if your client answered 'yes' to any health-related questions in sections 6 to 9 of their protection policy application form.

Access to Medical Reports Act information and declaration

This consent form gives your client information about the Access to Medical Reports Act (AMRA), and a declaration giving Royal London permission to access medical history.

Direct debit form

Complete this direct debit form if the person paying for the plan isn't the applicant, or if more than one signature is required to authorise payments.

Underwrite Later guide and declaration form

Information about our Underwrite Later cover, including terms and conditions and an application form. It can be used by clients who are applying for a protection plan by post, or who have already applied for Protection online without selecting the Underwrite Later option.

Business Trust form

Use our Business Trust form where the plan owner is a partner or shareholder in a business and wants their plan to benefit their co-owners.

Specimen cross option agreement - individual purchase

This specimen agreement helps to arrange the purchase of company shares from deceased or critically ill shareholders, by other shareholders or partners.

Specimen cross option agreement - company share purchase

This draft agreement helps to arrange the purchase by the company of shares from deceased or critically ill shareholders.

Key facts of our Business Menu Plan

This booklet summarises our Business Menu Plan and the covers and options available.

Plan details for the Business Menu Plan Critical Illness Cover

These plans details contain the terms and conditions for our Business Menu Plan Critical Illness Cover. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Income Protection

These plans details contain the terms and conditions for our Business Menu Plan Income Protection. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Key Person Income Protection

These plans details contain the terms and conditions for our Business Menu Plan Key Person Income Protection. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Life Cover

These plans details contain the terms and conditions for our Business Menu Plan Life Cover. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Life or Critical Illness Cover

These plans details contain the terms and conditions for our Business Menu Plan Life or Critical Illness Cover. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Waiver of Premium (Sickness)

These plans details contain the terms and conditions for our Business Menu Plan Waiver of Premium (Sickness). It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Technical guide for Business Protection

This guide outlines the areas businesses need to protect, taking you through what you need to know when advising your clients about the importance of Business Protection.

Business Menu Plan - our covers and options at a glance sales aid

This leaflet gives a high-level view of the covers and options available on our Business Menu Plan.

Client conversation starters: Questions to ask for Business Protection cover

Designed to help your conversations when talking to you clients about Business Protection, this list of questions can help you to learn more about your business client's situation so that you can recommend the appropriate amount of cover. 

Simple guide to Business Protection for clients

This short client guide to Business Protection looks at cover for key people and financial commitments, such as loans.

Guide to setting up a Business Protection plan

A guide to help you set up a Business Protection plan with Royal London. It covers sample letters to HMRC, how to equalise premiums, valuing a business and underwriting , as well as the specifics of our Business Menu Plan.

Own Life in trust and company share purchase - a comparison

This leaflet compares shareholder protection when set up as an ‘own life in trust’ and a ‘company share purchase’.

Three steps to unlocking the protection opportunity - conversation starter infographic

This adviser-only infographic explores three steps to unlocking opportunities to promote protection products to your clients

Building value through a menu plan

This sales aid explains how menu plans can help you to offer your clients a solution for all of their protection needs.

"Protection that keeps your clients in business": Why choose us for Business Protection

Learn about the different types of business protection offered by Royal London: including the Business Menu Plan, Relevant Life Plan and our various trust solutions.

Mutuality matters: Bringing mutuality to life for your clients

As a mutual, we're customer-owned. This guide brings our mutuality to life, showing how it benefits your clients and your business.

Help your clients build a better financial future with Protection

This leaflet shows at a glance how partnering with Royal London will support you to grow your business, deliver value for clients, and do business easily and efficiently.

Fracture cover that’s a break from the norm

This adviser-facing leaflet explains the detail behind our fracture cover - a feature of our Income Protection.

All you need to know about our 2023 claims

This adviser sales aids provides a detailed breakdown of the claims we paid in 2023.

Our protection Terms of Business

These are the Terms of Business from Royal London incorporating our trading name, Scottish Provident. They include essential information about doing business with us.

Proof of identity for UK-based clients

This leaflet covers the list of documents we can accept as proof of identity for UK-based clients, so we can progress their applications.

Proof of identity for overseas clients

This leaflet covers the list of documents we can accept as proof of identity for overseas clients. We need two items from this list to progress applications.

Customer privacy notice - How we use your client's personal information

This personal information notice explains how Royal London uses customer data, and is required under data protection laws.

Plan details for the Business Menu Plan Critical Illness Cover

These plans details contain the terms and conditions for our Business Menu Plan Critical Illness Cover. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Income Protection

These plans details contain the terms and conditions for our Business Menu Plan Income Protection. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Key Person Income Protection

These plans details contain the terms and conditions for our Business Menu Plan Key Person Income Protection. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Life Cover

These plans details contain the terms and conditions for our Business Menu Plan Life Cover. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Life or Critical Illness Cover

These plans details contain the terms and conditions for our Business Menu Plan Life or Critical Illness Cover. It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Plan details for the Business Menu Plan Waiver of Premium (Sickness)

These plans details contain the terms and conditions for our Business Menu Plan Waiver of Premium (Sickness). It also provides important information about keeping payments up to date, making changes to the plan and making a claim.

Helping Hand takes care of people, so you can take care of business

This short client-facing sales aid explains our Helping Hand service for clients with a Business Menu or Relevant Life Plan. The leaflet discusses what the service entails, such as a wellbeing support service and online access to a range of hand-picked early care medical services.

Your practical guide to Helping Hand

This adviser-only guide gives you more details on our Helping Hand support service and how it can benefit your protection clients' wellbeing.

Helping Hand - a path to recovery sales aid

This adviser leaflet shows how our Helping Hand service can help to bridge the gap in NHS support. It's designed to bring to life the benefit our Helping Hand service can add at a difficult time in a customer's life.

A Helping Hand with wellbeing

This infographic explains the wellbeing services available with a Royal London Menu Plan, showing your clients how to get started and the benefits included.

Free Cover claim leaflet

Learn how our Free Cover works and see the difference it could make if your clients need to claim before their cover starts. This leaflet focuses on our claims figures and case studies.

Free Cover leaflet

Give this leaflet to customers who need more detail about our Free Cover. The leaflet details when Free Cover will start, what it covers, and how long it will last.

Cover now, Underwrite Later

This adviser-facing leaflet explains our temporary cover option, Underwrite Later, which of our products it can be used with, and key benefits.

Underwrite Later guide and declaration form

Information about our Underwrite Later cover, including terms and conditions and an application form. It can be used by clients who are applying for a protection plan by post, or who have already applied for Protection online without selecting the Underwrite Later option.

Lifestyle Review Leaflet

Learn more about the Lifestyle Flexibility Options in our advised protection plans. This leaflet outlines the circumstances in which clients may be able to make changes to their plan, like stopping smoking or losing weight.