Personal Protection literature

Personal 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 Personal Menu Plan using our online quote and apply system.

Data capture form for telephone application

Use this form to capture the information required by our telephone application system for the Personal Menu Plan. This form can't be used as a replacement for a paper application form.

Personal Menu Plan data capture form

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

Personal Protection Menu financial questionnaire

This questionnaire forms part of our additional underwriting, and can help us to assess the financial circumstances of the person or people applying for cover.

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.

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.

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.

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.

Key facts of our Personal Menu Plan

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

Plan details for the Personal Menu Plan Life Cover

These plans details contain the terms and conditions for our Personal 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 Personal Menu Plan Critical Illness Cover

These plans details contain the terms and conditions for our Personal 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 Personal Menu Plan Life or Critical Illness Cover

These plans details contain the terms and conditions for our Personal 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 Personal Menu Plan Income Protection

These plans details contain the terms and conditions for our Personal 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 Personal Menu Plan Waiver of Premium (Sickness)

These plans details contain the terms and conditions for our Personal 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.

"All you need to know about Protection" Personal protection sales aid

This client brochure explains what protection policies are and why they're important, along with information about the different types of protection cover we provide.

Personal Menu Plan - our covers and options at a glance

Browse this adviser-only protection guide to learn details about the options and types of cover available in our Personal Menu Plan. These include Life Cover, Critical Illness Cover and Income Protection, among others.

"Cracking Good Cover": Guide to our Personal Menu Plan

This document is a customer-facing brochure to educate clients about the specifics of each type of protection we offer, and the definitions of each.

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.

"Whatever your taste": A look at how menu plans can give your clients more - sales aid

Take a look at our menu plan in action and see how this compares to a traditional protection plan.

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.

How the menu approach to protection can benefit your business - sales aid

Learn more about the menu approach to protection and how it could help you grow your business, add value to recommendations and manage risk.

Why choose us for protection

This short sales aid gives an overview of the key benefits and features for our flexible cover options as well as information on our personalised service and range of support tools.

Why Mutuality Matters

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.

Insuring the uninsurable leaflet

This sales aid looks at how we can help when your clients require joint life second death cover, where one client isn't accepted.

Guide to Inheritance Tax planning using regular premium protection plans

This adviser-only document provides Inheritance Tax (IHT) planning advice to help guide your clients using regular premium protection plans. Explore case studies and step-by-step processes to give you help managing complex IHT scenarios.

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.

The need for Income Protection sales aid

This leaflet introduces customers to Income Protection, explaining what it's for and why it might be a good idea to buy some.

Income Protection: Fixed cost flexibility for self-employed clients - sales aid

This leaflet outlines fixed cost flexibility, a feature of our Income Protection product designed for self-employed individuals, including an example of how this works in practice.

Income Protection for NHS Professionals

Find out more about our specially tailored Income Protection for NHS professionals.

Critical Illness at a glance

View a summary of the Critical Illness options we offer and the conditions we cover.

Tailored Children's Critical Illness Cover

This leaflet shows advisers the Critical Illness options we offer for clients who want to cover their children.

Made to Measure - Tailored protection that grows with your clients (CI) Enhanced Children's Critical Illness Cover

This adviser-only guide gives you more details about how our Enhanced Children's Critical Illness protection works and the conditions it covers.

Focus on our Critical Illness Definitions

This guide lists all the definitions we cover, with a clear and simple definition for each.

How our definitions compare in the market sales aid (CI)

This sales aid shows how our Critical Illness cover compares with other similar plans in the market. Information is based on our understanding of competitor product literature and is correct as at the date shown on the sales aid.

2023 claims report for consumers

This client-facing leaflet presents key statistics about our claims to help reassure clients that Royal London pays out.

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 Personal Menu Plan Life Cover

These plans details contain the terms and conditions for everyone who buys Life Cover as part of our Personal Menu Plan.

"Insuring the uninsurable" leaflet

This sales aid looks at how we can help when your clients require joint life second death cover, but one of them isn't accepted.

Plan details for the Personal Menu Plan Critical Illness Cover

These plans details contain the terms and conditions for clients who buy Critical Illness Cover as part of our Personal Menu Plan.

Critical illness at a glance

View a summary of the critical illness options we offer and the conditions we cover.

Tailored Children's Critical Illness Cover

This leaflet shows advisers the critical illness options we offer for clients who want to cover their children.

Made to Measure - Tailored protection that grows with your clients

This adviser-only guide gives you more details about how our Enhanced Children's Critical Illness protection works and the conditions it covers.

Focus on our Critical Illness Definitions

This guide lists all the definitions we cover, with a clear and simple definition for each.

How our definitions compare in the market sales aid (CI)

This sales aid shows how our critical illness cover compares with other similar plans in the marketplace. Information is based on our understanding of competitor product literature and is correct as at the date shown on the sales aid.

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

These plans details contain the terms and conditions for our Personal 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.

Critical Illness at a glance

View a summary of the critical illness options we offer and the conditions we cover.

Focus on our Critical Illness Definitions

This guide lists all the definitions we cover, with a clear and simple definition for each.

Plan details for the Personal Menu Plan Income Protection

These plans details contain the terms and conditions for everyone who buys Income Protection as part of our Personal Menu Plan.

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.

Income Protection: Fixed cost flexibility for self-employed clients sales aid

This leaflet outlines fixed cost flexibility, a feature of our Income Protection product designed for self-employed individuals, including an example of how this works in practice.

Income Protection for NHS Professionals

Find out more about our specially tailored Income Protection for NHS professionals.

The need for income protection sales aid

This leaflet introduces customers to income protection, explaining what it's for and why it might be a good idea to buy some.

Why choose us for Income Protection

This leaflet demonstrates the flexibility of our Income Protection. It gives detail on the terms available, our back-to-work payment, fracture cover, hospitalisation payment and cover for NHS medical professionals.

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

These plans details contain the terms and conditions for our Personal 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.

Your practical guide to Helping Hand

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

Helping Hand - a path to recovery sales aid

This guide for advisers provides an overview of Helping Hand, the free support service we offer on all our Menu Plans to support your clients day-to-day.

A Helping Hand with wellbeing

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

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.