Details of our Life or Critical Illness Cover

Learn more about how your clients can customise their plan and view a list of the critical illnesses we cover.

Your clients or their family can make a claim when the person covered dies or is diagnosed with a critical illness or disability that meets any of our definitions. When they apply for cover they can choose between a lump sum payment or an income.

  • Basis– single or joint life first event
  • 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 one year, 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:

  • 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 have made changes to their mortgage they must alter their cover to match the changes.

There's no need for your clients to present any medical evidence if they're getting married, increasing their mortgage or becoming a parent.

However, if they want to increase the amount of their cover for any other reason, they may need to supply medical evidence.

For more information see our plan details.

We won't pay a claim if:

  • The person 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 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

Children's Critical Illness Cover

When your clients take out Life or Critical Illness Cover, they can choose to add a level of Children's Critical Illness Cover that best meets their needs - or they can choose to leave it off entirely.

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. In addition, children are also covered for the 47 main conditions, plus total permanent disability, terminal illness and the 20 additional conditions currently available on our Critical Illness Cover

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.

Your clients can change their Children's Critical Illness Cover option, or remove completely, at any time during the term of their plan. This can be done easily over the phone and they won't need to give us any medical information.

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

Terms & conditions

For full terms and conditions, see our plan details.

Last updated: 10 Dec 2018

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

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.