Beneficiary nomination

Available on individual Personal Menu Life Cover and Life or Critical Illness Cover plans, beneficiary nomination allows plan owners to nominate who receives their payout, if there’s a claim paid after they die.
Online trust FAQs

Find the answers to common questions about our online trust service.

Life Cover

We make it easy to customise our Life Cover. We offer single, dual and joint Life Cover as well as increasing, decreasing or level cover.

We want to give your clients peace of mind their payout will go to the correct person at their moment of truth. Currently the only way they can choose their beneficiary is to complete a trust form, but this can be complex.

Beneficiary nomination provides a simpler alternative. If your client's situation is straightforward and they know who they currently want to benefit, then use beneficiary nomination. We'll automatically pay any benefit after your client dies to their nominated beneficiary. And there's no need for probate or the completion of a trust form. For more complicated needs they should still consider a trust.

The plan owner can only nominate a beneficiary as part of their application - they can't add this later. But they can change their nominees at any time and we’ll remind them of this option annually.

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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.