Critical Illness Cover product details

Find out more about the critical illness definitions we cover and how you can tailor cover to suit your client's individual needs.

We want to provide better outcomes for your clients, so we've also added additional conditions for early forms of cancer to the definitions we cover.

  • Basis – single, dual life or joint life
  • Premiums – guaranteed or reviewable over the term of the plan
  • Payouts – lump sum or regular payments (except for a plan with decreasing cover, where there’s only a lump sum payment)
  • Payment of cover – level, increasing or decreasing over the term of the plan
  • Term – minimum five years, maximum 50 years
  • Age when cover starts – minimum 18 years old, maximum 69 years old
  • Age when cover ends – maximum 84 years old
  • Amount – maximum £3,000,000 (except for a plan with increasing cover, where the maximum is £1,200,000)

To help protect against the effects of inflation,your clients can choose to increase the amount of cover over the term of their plan in one of two ways:

  • Fixed rate – at a chosen rate of interest (between 2% and 5%)
  • Index-linked rate – based on the change in the retail price index (between 2% and 10%)

Your clients can reduce the amount of cover over the term of their policy in two ways:

  • Cover for a mortgage – Reduces in line with a repayment mortgage with a set interest rate (between 0% and 15%). If your clients mortgage interest rate changes, the amount we pay may not be enough to pay off their mortgage.
  • Mortgage Repayment Guarantee – Pays a lump sum equal to the outstanding amount of your clients’ mortgage (less any arrears of capital or interest) providing the original cover amount and term was the same as the mortgage amount and term when your clients took out the cover. If they've made changes to their mortgage they must alter their cover to match those changes.

If your clients are getting married, increasing their mortgage or becoming a parent, they can increase their cover within certain limits without providing any medical evidence.

However, if they want to increase the amount of their cover for any other reason, or by more than the specified limits, they may need to supply medical evidence.

Making a claim whilst abroad

Claims for critical illness cover can be made from any country, however we might need the person covered to return to one of the countries listed on page 5 of our plan details.

We won't pay a claim if:

  • The person covered dies within 10 days of meeting one of our critical illness or total permanent disability definitions.
  • It's the result of intentional self-inflicted injury defined in the plan details.
  • The person covered doesn't meet one of the critical illness or total permanent disability definitions in the plan details.
  • It's the result of an exclusion shown on the cover summary.

Our definitions

Visit our interactive definitions search tool for a full list of our critical illness definitions. You can view both our current definitions and past definitions wording to see how they've changed over time to ensure your clients continue to have the right level of Critical Illness Cover.

Children's Critical Illness Cover

When your clients take out Critical Illness Cover, they can choose to add the level of Children's Critical Illness Cover to suit their needs and budget. Or they can choose to leave it off entirely if they don't have and don't plan on having children, so that your clients aren't paying for a benefit they don't need. Your clients can also change or remove their Children's Critical Illness option at any time during the term of their plan.

  • Enhanced Children's Critical Illness Cover - our most comprehensive option, it provides protection from pregnancy to young adulthood (age 21). It includes 13 child-specific conditions and an extra additional condition for pregnancy complications. 

  • Standard Children's Critical Illness Cover - cover for 47 main critical illness conditions plus total permanent disability. An option for clients who want some protection for older children, or who may be more cost conscious.

    Find out more about our Children's Critical Illness options.

Terms and conditions 

For full terms and conditions, see our Personal Menu Critical Illness cover plan details.

Last updated: 19 Jul 2019

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.