Protection that’s worth it

Helping your clients manage life's changes

Protection that’s worth it

We've improved our proposition to be flexible around your clients' changing needs. We've extended access to our Helping Hand wellbeing services, enhanced our customer portal and strengthened our Income Protection.

A Helping Hand

 Our Helping Hand wellbeing services are now available to new and existing plan owners through our customer portal.

A better digital experience

Through our customer portal, your clients have immediate access to their cover details and can register for our Helping Hand wellbeing services.

Flexible Income Protection

We've strengthened our Income Protection so your clients can adapt their policy as their needs change.

A Helping Hand

  • New and existing plan owners can now access our Helping Hand wellbeing services through our customer portal.
  • Designed to help your clients maintain a healthy lifestyle, the wellbeing service gives the plan owners online access to a range of hand-picked early care medical services so they have the help and advice they need to stay fit and healthy and stop small health issues becoming a big problem.

A better digital experience for your clients

Through our customer portal, My Royal London, your clients can:

  • Access our Helping Hand wellbeing services through our health assessment partner, Livesmart
  • View their policy details online
  • Download their cover summary
  • Change their address details.

Flexible Income Protection

We've strengthened our Income Protection to give your clients more flexibility to adapt their policy as their needs change, such as a change in occupation or mortgage repayments.

  • Cover increase options

    • We've increased the maximum age from 55 to 60.
    • We've enhanced a one-off cover increase option from £10k or 50% of the original sum assured, whichever is less, to £12k or 50% of the original sum assured, whichever is less.
    • We've increased the total amount your clients can increase their cover by over the term of their plan from £10,000 to £24,000.
  • Job flexibility options

    • We’ve enhanced our cover to allow clients moving to a less risky occupation to change this on their existing plan.
    • Clients who wish to shorten their deferred period due to a change in occupation can also do this on their existing plan.

For job flexibility options, clients will complete a declaration of health form online, and if we can offer the original underwriting decision, or better, then we'll update their existing plan.

Find out more

Income Protection

Find out more about the benefits, options and features of our Income Protection.

Explore income protection

Helping Hand

Find out more about our Helping Hand service and how it can support your clients at a difficult time.

Explore Helping Hand

Planning tool

Our menu tool provides indicative examples to help you with your menu plan conversations

Explore planning tool

Helping Hand is a package of support services and each service is provided by third parties that aren’t regulated by either the Financial Conduct Authority or the Prudential Regulation Authority. These services aren’t part of our terms and conditions and don’t form part of your insurance contract with us, so can be amended or withdrawn at any time. This means that you or your family’s access to these services could be amended or withdrawn by us in the future.

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.