Life or Critical Illness Cover

Your clients want to know that if they die or got a critical illness, they and their family would be able to cope financially.

Our Life or Critical Illness Cover offers your clients comprehensive protection, helping them to face the future with confidence.    

Benefits of our Life or Critical Illness Cover

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  • Wide range of definitions – we cover a wide range of critical illness definitions. Visit our interactive definitions search tool for our full list of critical illness definitions.
  • Children's Critical Illness Cover - your clients can choose to add Enhanced or Standard Children's Critical Illness Cover when they take out Life or Critical Illness Cover - or they can leave it off entirely if they don't have and don't plan on having children.
  • 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. This means that within six months of the children’s cover ending, the child can take out their own Life or Critical illness Cover without any medical underwriting. This is for the same amount as they were covered for on their parent’s plan, up to a maximum amount of £50,000. This option isn’t available if we’ve already paid a life or critical illness claim for the child.
  • Paying claims earlier - our advanced surgery benefit means your clients get paid as soon as they’re on the NHS waiting list for any of the types of surgery we cover under our full payment conditions, giving them extra peace of mind.
  • Adaptable to life's changes - we know life never stays the same for long. So in certain circumstances, your cover can be increased without the need for medical evidence.
  • Dual Life cover - choose separate covers for each life under one plan, which means one life could be covered for a higher amount or for longer. This also means that if there's a claim for one person, the other will still be protected.
  • Free Cover - in many cases we can offer cover before your clients' plan starts, from the moment they complete their application.
  • Helping Hand - all our Personal Menu Plans come with our Helping Hand support service. 

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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.