Seven reasons to recommend our Critical Illness Cover

13 March 2020
We know it’s important to recommend the right kind of critical illness cover for your clients. But getting to the heart of what matters when it comes to selecting cover can be tricky.

With ever-growing lists of definitions and all the bells and whistles available, clients can easily get bamboozled by jargon and overwhelmed by choice. To help you keep things simple and focus on what really matters, here are seven key reasons to recommend our Critical Illness Cover.

1. Comprehensive cover that keeps it simple

In 2018, 91% of our claims were for cancer, heart attack, stroke, multiple sclerosis and children’s critical illnesses.1 Yes, we cover 68 different conditions, but more importantly your clients can relax knowing that we’ve a strong focus on the conditions they’re most likely to claim on.

2. Cancer cover where it matters

Cancer Research UK estimates that one in two people in the UK will be diagnosed with cancer during their lifetime.2

But with increases in awareness and advances in research and technology, many cancers are being caught and treated much earlier. That’s why we believe that additional conditions for earlier forms of cancer really matter.

So as well as having a main definition for cancer, we also have 13 additional conditions for early forms of cancer including low grade prostate cancer, skin cancer (not including melanoma) and carcinoma in situ. 

Watch the video below to hear from one of our customers on his experience of finding out he had prostate cancer and his claim with Royal London.


3. A one stop shop with true flexibility

We know that every client is different. That’s why our Critical Illness Cover can be combined as part of a Menu Plan. This can help you build protection plans to suit your clients’ individual needs and budgets. You can mix and match Life Cover, Critical Illness Cover and Income Protection and set up plans on a single, dual or joint life basis. And you can adapt the plan as their needs change.

Your clients can also choose to take any potential Life Cover or Critical Illness Cover claim as an income rather than a lump sum – known as family income benefit - which could result in reduced premiums.

So whether it’s protecting their mortgage, family or lifestyle – we’ve got it covered. All with just one application, one plan charge and one direct debit.

4. We want to pay claims quickly

Because we want to pay claims more quickly, we’ve added advanced surgery benefit to our Critical Illness Cover. This means we pay out as soon as your client is on the waiting list for any of the surgeries covered under our main critical illness definitions. We’re focused on getting the best outcomes for your clients in times of need so we’re always looking to remove barriers to claims - whether that’s improving our definitions, consolidating conditions to make things simpler or removing exclusions, such as drugs and alcohol. Read our cover that matters sales aid to find out more about the improvements we’ve just made.

5. Flexible cover that grows with your family

Our Critical Illness Cover comes with the choice of no cover for children, Standard or Enhanced Children’s Critical Illness Cover. That means your clients only pay for the cover they want and need. And they have the option to add or remove this type of cover if their circumstances change – like they decide to start a family or once their children are grown up.

And we’ve now added a Children’s Critical Illness Cover conversion option to our Enhanced Children’s Critical Illness Cover. This means that within six months of the children’s cover ending, the child can convert to a standard critical illness plan up to a maximum of £50,000 without medical underwriting. As an adviser, there’s an opportunity for you here to start the protection conversation earlier with your clients’ children.  

6. Ranked number one by Defaqto for our Enhanced Children's Critical Illness

We’re ranked number one by independent ratings agency Defaqto for our Enhanced Children’s Critical Illness Cover.3

Our Enhanced Cover covers the same main conditions as the adult plan, as well as 13 child specific conditions. For these we pay out 50% of the amount of Critical Illness Cover, up to £50,000.  

We also cover nine pregnancy complications and we'll pay out £5,000 for each affected pregnancy. And we'll pay out £5,000 if a child dies.

7. Good protection is about more than money

Helping Hand is our support service that your clients automatically get access to – at no extra cost.

We’re proud to have helped over 1,000 customers and their families through difficult times last year. And because we appreciate everyone’s different, our Helping Hand support service can be tailored to a wide range of health concerns

We’ve helped customers with services like a second medical opinion, counselling and holistic therapies to manage symptoms and support recovery. We can also arrange practical support like help at home or help with adapting to life after surgery or treatment – mastectomy or chemotherapy for example.

When Mortgage Consultant Helen was diagnosed with cancer, Helping Hand supported her every step of the way, including a life changing second medical opinion. Watch the video to hear more about her experience.



Helping Hand is a package of support services, provided by third parties that aren’t regulated by the Financial Conduct Authority. These services aren’t part of our terms and conditions, so can be amended or withdrawn at any time.

So there you have it.  Why recommend our Critical Illness Cover - in a nutshell. If you want to find out more download a summary of our simple, comprehensive and flexible Critical Illness Cover.

1 Royal London UK intermediary protection business claims paid (1 January to 31 December 2018).
2 Cancer Research UK, Cancer Statistics, February 2020
3 Source: Defaqto standalone critical illness graph, wc16 October 2019.



About the author

Amanda Docherty

Marketing Manager

Amanda joined the Royal London Marketing team in April 2015. She began her career in marketing in 2002 and has experience across the financial, media and professional services sectors. Amanda has a passion for writing and enjoys working on high profile campaigns. Outside of work, she loves to travel and has recently completed a three month trip across South America.

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.