Our Income Protection is tuned to your clients’ needs

Being off work because of illness or injury is one of the biggest risks your clients face. And it could have a devastating impact on their finances.

The benefits included in our Income Protection, as well as the support available through Helping Hand, means your clients get the help they need before, during and after they make a claim on their main cover.

The benefits of our Income Protection

Our Income Protection is just the job to provide your clients with financial support to help them if the wheels fall off and they’re unable to work for a period of time due to illness or injury.

Traditionally, Income Protection has been seen as complex and slow to pay out when people need it most.

But our Income Protection gives your clients a range of great benefits so they can get the financial help they need - when they need it.

Fracture cover of up to £4,000 per claim; with two claims allowed in a 12 month period.

A hospitalisation payment of £100 per night, that’ll start after your client spends more than six consecutive nights in hospital.

A payment of 12 months’ premiums if the person covered dies during the term of the cover.

Back to work payments... and we’ll waive the deferred period if your client is diagnosed with a terminal illness and has less than 12 months to live.

But that’s not all! Our tiered approach can help clients protect more of their income – up to 65% of the first £15,000 of pre-tax income plus 55% of the rest.

Employed clients running their own company can include things like dividends, a nominal spouse’s salary and P11D benefits. And your self-employed clients can include certain fixed overheads.

And our adaptable claims philosophy means we do our best not to stall things while we’re waiting for financial evidence.

To get fully up-to-speed on Income Protection, visit adviser.royallondon.com/protection.

Flexible, affordable cover

Your clients can tailor their Income Protection to meet their needs and budgets.
They can protect:

  • 65% of the first £15,000 of your client’s pre-tax earnings, plus
  • 55% of their remaining pre-tax earnings

The overall maximum payout is £250,000 a year (£20,833.33 a month).

Self-employed clients can include certain fixed overheads when calculating their maximum sum assured. And employed clients can include dividends, a spouse's nominal salary and dividends, and P11D benefits.

Use our maximum income calculator to see how much your clients can protect.

What’s more, clients can select either level or increasing cover and can choose a deferred period of 4, 8, 13, 26 or 52 weeks.

Their monthly payments can also last for one or two years, or until their cover ends.

Protect more income

Your clients can protect up to 65% of the first £15,000 of their pre-tax income, plus 55% of the remainder, up to a maximum of £250,000 a year.

What's more, self-employed clients can include certain regular fixed overheads when calculating their maximum income. And employed clients can include things like dividends, a spouse's nominal salary and dividends, and P11D benefits as income.

Use our maximum income calculator to see how much your clients can protect.

Fracture cover

Broken bones could mean weeks off work if a client can’t get around easily or continue to do their job. So if a client suffers a fracture, we’ll pay up to £4,000 per claim to help with their recovery.

  • It doesn't affect their main Income Protection cover
  • Clients don’t need to wait for their chosen deferred period to end before making a claim.
  • We cover multiple fractures in the same claim, up to the £4,000 claim limit.
  • Clients can make up to two fracture claims in a 12 month period.
  • The amount they get depends on where the fracture is.

fracture cover image

Hospitalisation payment

If a client has been in hospital for more than six consecutive nights during their deferred period, we’ll pay £100 per night for up to 90 nights during the term of their cover. And if we’ve started their hospitalisation payment and they’re discharged then readmitted for the same cause, we’ll restart their payments (subject to certain conditions).

Hospitalisation payments won’t affect a client’s main Income Protection cover.

Back-to-work payment

When a client is ready to go back to work and we’ve stopped making their Income Protection payments, we know they might have some additional expenses. So we give clients with deferred periods of 13, 26 or 52 weeks a payment in their first and second months back at work.
The amount they get depends on their cover payment period:

  • Clients with cover that's payable for the whole term of the plan get 50% of their monthly benefit for the first month and 25% for the second month.
  • Clients with one or two year cover payment periods get 25% of their monthly benefit for the first month and 10% for the second month.

Helping Hand

If a client is ill or suffers an injury, Helping Hand gives them access to a dedicated nurse.

Their nurse can provide practical and emotional support to help them on the road to recovery and back to earning a full wage.

Helping Hand is available from the day your client’s plan starts, so they can use it as soon as they recognise problems with their health or wellbeing - not just when the time comes to make an Income Protection claim.

Your clients don’t need to pay anything extra to use Helping Hand, and their partner and children can use it too.

Find out how Helping Hand has helped our customers get back on their feet.

Our Income Protection can help safeguard your clients' outgoings. Get the full details of our cover.

Get a quote

Our online quote and apply service gives you quicker decisions.

Highlight clients' biggest risks

Our report shows clients their risk of being off work and the need for Income Protection.

Income shortfall calculator

Show clients how Income Protection can help them avoid a monthly income shortfall.

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

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.