Protection that keeps your clients in business

With our Business Menu Plan you have the flexibility to mix and match a range of covers that suit your client’s business needs. You can cover business loans or protect against the loss of a key person, partner, member or shareholding director.

Our range of covers:

Benefits of our Business Menu Plan

  • Choice - you can mix and match up to 10 covers within the same plan, for example provide Life Cover and Critical Illness Cover for a number of shareholders or owners within the same business.
  • Flexibility - you can alter the cover, should something change in the future - which is more likely in a business than it is with a family (this could be a key employee leaving or retiring through ill health, or the company taking on a loan to help with expansion plans).
  • Underwrite Later - There are times when we need to request further medical information in order to fully assess a client's application. This can sometimes cause delays, but with our Underwrite Later option, Life Cover of up to £3.5m can be started straight away, while we are waiting for the medical information - providing valuable peace of mind that your client’s business is protected at this time.
  • Children's Critical Illness Cover Conversion option - with our Enhanced Children’s Critical Illness Cover, we automatically include a Children’s Critical Illness Cover Conversion Option.
  • Helping Hand - all our Business Menu Plans come with our Helping Hand support service. Helping Hand is there for your clients, whichever stage in life they're at, and as a plan owner it doesn't cost them anything extra to use.
  • Less paperwork - with a menu plan, the business protection is provided under one plan with one application and one direct debit so less administration for you and your client.
  • One plan fee - have up to 10 covers under the same plan but pay just one plan fee of £2.60

More benefits of using us for business protection

  • Tools to help you - we've a range of tools to help you sell business protection, from our handy business protection planner to the popular pre-sale underwriting tool. There's also the CPD hub to help you meet the requirements of the Insurance Distribution Directive (IDD).
  • Business Development support - we've a team of experienced corporate protection specialists, who can work with you to provide training and sales development support.
  • Tax and trusts - we also have a wide range of trust literature including guides, trust forms and supplementary support such as cross option agreements. There's also our team of tax and trust specialists who can help with these types of questions and situations when they relate to business protection.

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.