A snapshot of our Waiver of Premium (Sickness)

Would your clients still be able to pay their premiums if they were unable to work due to an illness or injury?

Our Waiver of Premium (Sickness) covers your clients' premiums should they become ill or injured and meet our definition of incapacitated, or if they're diagnosed with a terminal illness and have less than 12 months to live.

Benefits of our Waiver of Premium (Sickness)

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  • Choice - your clients can choose a deferred period to suit their needs, after which we'll start paying their  premiums.
  • Flexibility - if your clients' circumstances change, they can usually amend their chosen deferred period to suit their needs.
  • Accelerated claims for terminal illness - if your clients are diagnosed with a terminal illness that meets our definition, they won't need to wait for their deferred period to end before we start paying their premiums. 
  • Reassurance - we automatically include Waiver of Premium (Sickness) when your clients take out Income Protection. 
  • Personal support - your clients get access to our Helping Hand service when they take out a protection product with us. This gives your clients, and their partner and children, access to a dedicated nurse who can support them through serious illness, injury or bereavement.

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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.