All your business is important to us. But we understand that some applications - particularly those involving higher levels of cover - may need additional support. We generally refer to these as large cases.
We have a dedicated team of experts on hand that can give you the help and guidance needed for those more complex cases - whether that's underwriting, tax and trusts or working with you to help you find suitable protection solutions for your clients.
Expert help for high-value protection cases
Our approach to large cases
Video transcript
At Royal London, we have a highly skilled team specialising in large case protection to support you and your clients.
You’ll have a dedicated underwriter looking after your large cases from pre-sale right through until we offer terms. They’ll fully understand each case and its complexities, helping your clients get covered quickly and efficiently.
We’ll take care of all the underwriting requirements – both medical and financial – from start to finish. This lets you focus on what you do best – adding value to your clients.
Sometimes life cover needs to be arranged quickly. That’s where our Underwrite Later feature comes in. This allows you to get up to £3.5 million of life cover for your clients straight away, following an assessment by an underwriter. We then complete the full underwriting process within six months, giving your clients peace of mind with immediate cover, while we handle the details.
We also have a team of Protection Specialists dedicated to providing expert guidance and training. If you’re new to writing large cases, they can help you confidently enter this market. And if you're more experienced, they're available to talk through cases or explore new approaches with you. So, whether it’s training your team or helping streamline your processes to save time, we’re here for you.
Why choose Royal London for large case protection?
Get clients covered faster
With Underwrite Later, we can provide up to £3.5 million life cover for up to six months, while we gather the required medical evidence.
Personalised support
You'll have one dedicated underwriter from start to finish, who understands you and your clients' needs inside out.
Smart admin support
Our expert case managers specialise in large cases and proactively chase outstanding evidence - letting you focus on your clients.
Flexible cover to fit your clients' unique needs
We offer a full suite of estate planning solutions that you can tailor to meet your clients' bespoke needs.
Specialist protection expertise on hand
We offer expert guidance, training, and access to tax and trust support to help you navigate the challenges of this market.
What counts as a large case?
We treat any case that has a sum assured at or above these amounts as a large case:
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Life cover - £1.5 million
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Critical illness Cover - £800,000
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Income Protection - £75,000 a year.
Video transcript
Clients with more complex protection needs expect much more from you. So, you should expect much more from us. At Royal London, we’re here to lighten your load, so you can focus on what you do best – delivering real value to your clients.
Large cases often mean more complex financial and medical information is needed. That’s why we assign a dedicated underwriter to each case - your single point of contact from start to finish. You’ll have an expert who understands you and your client’s needs inside out, helping to get cover in place as quickly and smoothly as possible.
We know financial underwriting isn't always black and white. Every case is different, so we take the time to assess each one on its own merits, taking a holistic view of the case. This approach comes from experience and a deep understanding of financial underwriting - our team includes large case specialists with market-wide expertise, giving you confidence in every decision we make.
And we don’t stop there. Our underwriters are supported by a team of case managers experienced in large cases, who handle all the administration including proactively chasing outstanding medical and financial evidence – so you don’t have to. We also understand that time is of the essence, which is why we’ve partnered with two medical providers, so we can arrange exams and assessments at a time and place that suits your clients.
Learn more about our large case underwriting team
We’ve boosted our large case underwriting team by recruiting industry-recognised talent from across the market. Find out about our large case team, and the expert service we provide.
Video transcript
When clients come to you with complex protection needs, it can be hard to know where to begin. At Royal London, we understand this and are here to support you every step of the way.
That’s why we’ve set up a dedicated team of Protection Specialists to provide tailored support and guidance on protection solutions, and help you navigate the challenges of this market. So, whether you’re working on large sum assured cases, protection for estate planning or business protection, we’ve got you covered.
With years of experience, our team will work with you to help you find the right solutions for your clients. Plus, our in-house tax and trust specialist is available to offer extra support when you need it.
We also offer training for you and your team to help you feel more confident in these areas, as well as share ideas on engaging with clients.
Whether you’re new to the large case market, need a refresher or want to discuss a specific case, we’re here to support you in delivering effective protection solutions for your clients.
Hear how our protection specialists can support you
Our protection specialists can provide help and support for your large case needs through training workshops, webinars, and one-to-one meetings. They can also help you with Rysaffe planning.
Contact us about large case protection
If you need help or want to ask a question, you can call our large case underwriting team on
0345 646 1216
Lines are open Monday to Friday, 8am-5pm (excluding Bank Holidays)
We aim to underwrite large case applications on the same day we receive them (if received before 2pm).
We aim to review all evidence requests for large cases within 24-48 hours of receiving them.