Making menu conversations simple

Our Menu Plans are an easy way for your clients to get complete cover all in one place. And now there’s a simple way to show them how with our new menu tool.

The tool makes it easier to start conversations about protection and demonstrate the value of your advice. It brings the benefits of menu to life and helps clients see the bigger protection picture. 

We’ve always believed we’re stronger when we work together.

Our menu tool makes it easier to talk about protection,
and demonstrate the value of your advice.

The tool brings the benefits of menu to life in a quick and simple way, showing clients how they can get more cover for life’s uncertainties...

They can see how menu means cost effective cover...
and can offer more opportunities to claim.

Our menu tool shows three options based on the information provided. Allowing them to pick a Menu Plan tailored to their unique needs and budget.

Plus, for added value, all our Menu Plans come with our Helping Hand support service. Life might be complicated, but protection needn’t be.

One plan provider, multiple covers, real value. We love it when a Menu Plan comes together.

Visit our website to try the tool.

Building value through menu 

All our Personal Menu Plans are available with just one application, one plan fee and one Direct Debit. But the benefits don’t end there - your clients get:

  • Helping Hand - access to a dedicated nurse to support them (their partners and children) through illness, injury or bereavement.
  • Family Income Benefit – the choice to receive Life Cover or Critical Illness Cover claims as an income rather than a lump sum, which could mean reduced premiums.
  • Free Cover –cover as soon as we’ve received their full application - so they’re protected even before their plan starts.

Listen to our podcast to find out more about the value of menu.

Hello. Thanks for listening to our audio clip today. I'm Shelley Read Senior Intermediary Development and Technical Manager here at Royal London and I represent the protection side of our business.

We’re proud to have a simple to use and flexible protection Menu Plan. Once you’ve carried out a protection analysis and agreed the financial risks your clients may face should they become ill or sadly die prematurely, then the menu will allow you to mix and match a range of covers to suit not only your client’s needs but also their budget.

This might include mortgage protection, some level term, extra family cover, or some life or earlier Critical Illness Cover. You can also include monthly benefits, like Income Protection or Family Income Benefit.

Each cover can have a different term, a different amount, or a different protection product. You can even choose different owners for each cover under the one plan, so one life could be covered for a higher amount or for longer. It also means if there’s a claim for one person the other still has their cover intact. And to further ensure the plan suits your clients’ current needs, you can choose whether each cover is decreasing, level or indexed to future proof your advice.

We also provide your clients with Free Cover as soon as they’ve completed their application, so they’re protected even before their plan starts or they’ve paid a premium.

The cover available on our Personal Menu Plan can change with your clients. So if it’s protecting their mortgage, family, or the lifestyle they’ve built – we’ve got it covered. All with just one application, one plan charge and one direct debit. 

I hope you’ve found this audio clip helpful and given you more reasons to tailor your clients’ protection cover with our Personal Menu Plan.  As always, we’re here to support you every step of the way with your conversations, so for further help, hints and tips please get in touch with your usual contact. Thanks for listening.

Downloadable resources to support your conversations


Pre-sale underwriting tool

Building value through a Menu Plan
(PDF 80KB)

Take a look at how to combine a range of cover options to protect your clients against the financial consequences of some key risks.

Online calculators

How Menu Plans get your clients more
(PDF 3.1MB)

This sales aid shows how you can mix and match different covers to create a protection plan  tailored to your client’s unique needs and budget.

Protection CPD hub

How the menu approach to protection can benefit your business
(PDF 94KB)

Using a menu approach can help you grow your business. This sales aid shows you how.

Trust toolkit 

The benefits of using a Menu Plan
(PDF 86KB)

This client facing sales aid highlights how mixing and matching a range of covers can create a cost-effective protection plan, tailored to your client’s circumstances

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

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.