Life or Critical Illness Cover

What you need to know.

We offer 67 definitions. 47 pay the full amount of cover and 20 additional conditions (including 13 additional conditions for early forms of cancer) pay 25% of the amount of cover, up to a maximum of £25,000, over and above the amount covered.14 definitions exceed the Association of British Insurers’ standard definitions.

When clients take out Enhanced Children's Critical Illness Cover, it provides protection from pregnancy to young adulthood (age 21). It includes 13 child-specific conditions and an extra additional condition for pregnancy complications. In addition, children are also covered for the 47 main conditions, total permanent disability, terminal illness and the 20 additional conditions currently available on our Critical Illness Cover.

We’ll pay a claim if your client meets one of the critical illness or additional conditions definitions listed in the plan details booklet. If we pay a claim for an additional condition and your client then meets one of our critical illness definitions, we’d pay the full amount they’re covered for too.

Visit our interactive definitions search tool  for our full list of critical illness definitions. You can view both our current definitions and past definitions wording to see how they've changed over time.

For more information about each definition and our additional conditions see our plan details.

Our Life or Critical Illness Cover pays out when the first of the following happens, the person covered:

  • Dies, meets our definition of terminal illness, or
  • Meets our definition of the critical illnesses listed in the plan details, or
  • Meets our definition of total permanent disability if shown on the cover summary

Key benefits:

  • 67 critical illness definitions covered
    • 47 conditions pay the full amount of cover. For 20 additional conditions we’ll pay 25% of the amount of cover, up to a maximum of £25,000. And we’ll also pay out the full amount of cover if a client is later diagnosed with one of the 47 conditions.
  • The choice to add a level of Children's Critical Illness Cover that best meets a client's needs. Find out more
  • 14 definitions exceed ABI standard definitions
  • Free Cover
  • Total permanent disability cover
  • Terminal illness cover
  • Cover increase options
Term of cover

1 - 50 years
~5 year renewable
~10 year renewable

Basis of cover

Single life 

Guaranteed or reviewable Guaranteed and reviewable
Maximum amount of cover £3,000,000
£1,200,000
(If increasing cover is chosen)
Minimum age when cover starts 18 attained
Maximum age when cover starts 69 attained
Maximum age when cover ends 84 attained
Payment of cover

Lump sum
Level
Increasing
Decreasing

Notes
~ not available on decreasing covers

We won't pay a claim if:

  • The claim is for death and it's the result of intentional self-inflicted injury within 12 months of the date the cover started, or
  • The claim is for terminal illness and the person covered doesn't meet our definition of terminal illness, or
  • The claim is for critical illness or total permanent disability and it's the result of intentional self-inflicted injury, or
  • The claim is for critical illness or total permanent disability and the person covered doesn't meet the definition of critical illness or total permanent disability, or
  • The person covered dies within 10 days of meeting one of our critical illness or total permanent disability definitions, or
  • It’s the result of an exclusion shown on the cover summary

Decreasing cover can be:

  • Decreasing monthly at a rate of interest chosen by your clients (between 0 and 15%); or
  • Decreasing yearly at a rate of interest chosen by your clients (between 0 and 15%).

Increasing cover can be:

  • A fixed rate between 2% and 5%; or
  • A rate based on the change in retail price index (between 2% and 10%).

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.