Product details of our Life or Critical Illness Cover

Find out how your clients can customise their plan and see what critical illnesses we cover.

We know life doesn't stay the same for long, so if your clients' circumstances change during the life of their plan, they can change their cover to suit their needs. 

  • Basis– single, dual life, 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:

  • 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 the changes.

If your clients are getting married, taking out their first mortgage, increasing their existing mortgage, their rent is increasing 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.

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 - or they can choose to leave it off entirely. 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 22, or 23 if in full-time education). It includes 13 child-specific conditions and an extra additional condition for pregnancy complications.

And with this level of 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 with us, 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.

Standard Children's Critical Illness Cover - cover for 44 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.

Visit our interactive definitions search tool for a full list of our critical illness definitions. Or find out more about our Children's Critical Illness Cover options.

Making a claim whilst abroad

We'll pay a valid death claim regardless of where in the world the person covered dies. 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.

When we won't pay a claim

There are some situations where we won’t pay a claim, depending on the product your client has taken out. For more information see pages 7-8 of our plan details.

Terms & conditions

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

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.