Details of our Waiver of Premium (Sickness)

Here's where you can find all the details you need to support your conversations with clients. 

Your clients can make a claim when they're ill, injured or incapacitated and meet our definition of incapacitated. We'll pay their premiums once they’ve been ill for longer than the deferred period of time they choose.

Deferred period - your clients can choose how long after they become ill we start to pay their premiums:

  • 4 weeks
  • 8 weeks
  • 13 weeks
  • 26 weeks
  • 52 weeks

Your clients can usually change the deferred period, if their circumstances change.

If a client applies for Income Protection or Key Person Income Protection, they must choose a deferred period for waiver which is the same as, or shorter than, the deferred period on their plan.

If a client makes a claim, returns to work and then becomes ill again with the same or related condition within 52 weeks and they meet our definition of incapacitated, the deferred period won’t apply.

For more information see our plan details.

We'll pay a client’s insurance premiums for one or two years (depending on the plan chosen), starting when the deferred period selected by the plan owner has passed or until they:

  • recover or return to work
  • die
  • are assessed as no longer meeting the definition of incapacitated
  • reach the end of their cover term

Our Waiver of Premium (Sickness) is available on our Personal and Business Menu Plans and covers premiums for:

  • Life Cover
  • Life or Critical Illness Cover
  • Critical Illness Cover
  • Unemployment Cover
  • Income Protection - Waiver of Premium (Sickness) is automatically included 
  • Key Person Income Protection (Business Menu Plan only) - Waiver of Premium (Sickness) is automatically included.

Waiver of Premium (Sickness) is not available on our Relevant Life Plan.

Your clients only have to take out waiver once for it to be attached to all the applicable covers they have with us. The waiver cover term will automatically default to the longest cover term out of all their covers.

For more information see our plan details.

Own occupation - available up to the age of 70 and given to the majority of people covered other than those in occupations we’ve excluded.

For more information see our plan details.

If there's more than one person covered and both people covered meet our definition of incapacity at the same time, we’ll only cover the premiums once.

We won't pay a claim if:

  • it's the result of intentional self-inflicted injury as defined in our plan details booklet.
  • it's the result of an exclusion shown on the cover summary.
  • the person covered no longer meets the definition of incapacitated in the plan details.
  • medical or other evidence is not supplied when we ask for it.

Terms and conditions

For full terms and conditions see our 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.