Tailor your clients' protection cover with our Personal Menu Plan

With our Personal Menu Plan you can mix and match a range of covers and benefits with different sums assured and plan terms to tailor the cover that suits your clients' needs and budgets.

The cover available from 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. 

Our range of covers: 

Benefits of our Personal Menu Plan

  • Deliver what your clients need –  mix and match a range of covers to suit your clients' individual needs. For example, by combining Income Protection with Life Cover you can make sure they've got a regular income to help cover expenses if they’re unable to work, as well as ensuring that their mortgage is protected.

  • Choice and flexibility -  choose different start dates for each cover, meaning you could start a client’s family protection straight away, but then their mortgage protection at a later date if required.

  • Dual Life cover - choose different owners for each cover under one plan, which means one life could be covered for a higher amount or for longer. This option also means both people are covered by separate covers, so if there's a claim for one person, the other will still be protected.

    Dual Life isn't available through our Income Protection product.

  • Family income benefit – your clients can choose to receive any potential Life Cover or Critical Illness Cover claim as an income rather than a lump sum which could result in reduced premiums.

  • Free cover - waiting on a mortgage completing can sometimes take time. That’s why we can provide your clients with cover as soon as they’ve completed the application - so they’re protected even before their plan starts.

  • A range of trusts - using a suitable trust can help your clients avoid a delay in benefits being paid and may help them to avoid an inheritance tax liability. We've a wide range of bare and discretionary trusts available to meet your client’s needs.

  • Personal support - our Helping Hand service gives your clients, their partners and children, access to a dedicated nurse who can support them through serious illness, injury or bereavement.

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.