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You searched for the term Critical Illness Your search returned the following 40 results...
 
  • Children's Critical Illness Cover | Personal Menu Plan - Royal London for advisers

    Details of our Children's Critical Illness Cover If a child is ill, this can put financial strain on a family as well as an emotional one. Our Children's Critical Illness Cover can provide financial support to help your clients meet any extra costs so they can focus on caring for their children...

  • Children's Critical Illness Cover | Business Menu Plan - Royal London for advisers

    Children’s Critical Illness Cover If a child is ill, this can put financial strain on a family as well as an emotional one. Our Children's Critical Illness Cover can provide financial support to help your clients meet any extra costs so they can focus on caring for their children. When your clients...

  • Life or Critical Illness Cover - Royal London for advisers

    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...

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    Personal

    Life or Critical Illness Cover

  • Our Critical Illness Cover grows with your clients - Royal London for advisers

    Our Critical Illness Cover grows with your clients No one wants to think about children getting critically ill, but unfortunately it’s more common than you might think. And when a child is ill, it can put a financial strain on a family, as well as an emotional one. Download this video (right-click...

  • Critical Illness Cover - Royal London for advisers

    Critical Illness Cover Your clients want to know that if they got a critical illness, they and their family would be able to cope financially. Our Critical Illness Cover delivers just that, helping them face the future with confidence should the worst happen. Benefits of our Critical Illness Cover...

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    Personal

    Critical Illness Cover

  • Children's Critical Illness Cover - Royal London for advisers

    Product details We know that when it comes to children’s cover, what suits one client might not suit another. Find out more about the benefits of our Standard and Enhanced Children’s Critical Illness Covers, so you can tailor the cover to suit your clients’ individual needs. Benefits Standard...

  • Details of our Critical Illness Cover - Royal London for advisers

    Critical Illness Cover product details Find out more about the critical illness definitions we cover and how you can tailor cover to suit your client's individual needs. We want to provide better outcomes for your clients, so we've also added additional conditions for early forms of cancer...

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    Personal

    Life or Critical Illness Cover

  • We've improved our critical illness definitions - Royal London for advisers

    We've improved our critical illness definitions Jo McIntosh 26 February 2019 Technology is constantly evolving – so we’ve updated our CI definitions to keep up with the times. This evolution is happening in everyday life - for example I can’t imagine my life without having an ‘Alexa’ in most rooms...

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    Critical Illness Cover

    Blog

    Personal protection

  • Details of our Life or Critical Illness Cover - Royal London for advisers

    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...

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    Personal

    Life or Critical Illness Cover

  • Critical Illness Cover for business - Royal London for advisers

    Critical Illness Cover What you need to know. We offer 67 definitions. 47 pay the full amount of cover and 20 additional conditions (including 13 additional conditions for early forms of cancer) pay 25% of the amount of cover, up to a maximum of £25,000, over and above the amount covered.14...

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    Business

    Critical Illness Cover

    Business covers

  • Target Market Statements - Protection products - Royal London for advisers

    . Personal Menu Plan Personal Menu – Life Cover Personal Menu – Life or Critical Illness Cover Personal Menu – Critical Illness Cover Personal Menu – Income Protection Personal Menu – Waiver of Premium (sickness) Business Menu Plan Business Menu – Income Protection Business Menu – Waiver of Premium (sickness...

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    Personal

    Business

    Life Cover

    ...

  • Life or Critical Illness Cover for business - Royal London for advisers

    Life or Critical Illness Cover What you need to know. We offer 67 definitions. 47 pay the full amount of cover and 20 additional conditions (including 13 additional conditions for early forms of cancer) pay 25% of the amount of cover, up to a maximum of £25,000, over and above the amount covered.14...

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    Business

    Life or Critical Illness Cover

    Business covers

  • See how easily you can double your clients’ cover - Royal London for advisers

    , but what it doesn't do is make the best recommendation for their needs. Separate covers v joint life cover Let's consider a plan for a non-smoking couple, both aged 30. They might come to you having made the decision that they want £100,000 joint life cover and £25,000 of joint critical illness...

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    Blog

  • Financial underwriting limits - Royal London for advisers

    ...insurers. Select product type Personal Menu Plan Business Menu Plan Relevant Life Plan Select cover type Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection IHT Mitigation Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection Key Person Income...

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    Underwriting

  • Guide to business protection - Royal London for advisers

    ...the shares of a deceased or critically ill shareholder. In this situation, the Company would take out a plan on the life of the shareholder so that in the event of their death or critical illness, the proceeds of the plan would be payable to the company enabling it to purchase the shares...

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    Business

  • Accidents will happen - Royal London for advisers

    , knowing that our household spend was about to increase.  Nursery fees and nappies don’t stop just because you’re very ill. It was then we realised the significance of children’s critical illness cover being included in our plan. Even though it had always been there, we’d had no need to consider its...

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    Personal

    Campaign

    Critical Illness Cover

    ...

  • Reasons why (personal) - Royal London for advisers

    Reasons why (personal) To help you explain the reasons for recommending a Royal London Personal Menu Plan, we've produced various paragraphs that describe our company as well as the features and benefits of our products. Why Menu Personal Menu Plan Life Cover Critical Illness Cover Life or Critical...

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    Reasons why

  • Guide to family protection - Royal London for advisers

    ...prematurely. Family protection is all about having a financial safety net in place so that the family can remain financially secure should the unthinkable happen. Family protection can cover life insurance, critical illness cover and income protection. What is family protection? Most families would...

  • We’re ready for the Insurance Distribution Directive Review - Royal London for advisers

    Solutions Company Pension Scheme Protection Personal Menu – Life Cover Personal Menu – Life or Critical Illness Cover Personal Menu – Critical Illness Cover Personal/Business Menu – Income Protection Personal/Business Menu – Waiver of Premium (sickness) Diabetes Life Cover Business Menu – Life Cover...

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    News

    Blog

  • Mapping your recommendations to your clients' needs - Royal London for advisers

    ...in my working life, yet only an 11% chance of getting a critical illness, and a thankfully much smaller 3% chance of dying1. But life cover and critical illness sales outstrip income protection by some margin. Of course income protection might not be appropriate for every client, but running...

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    Personal

    Critical Illness Cover

    Income protection

    ...

  • A tailored approach to protection - Royal London for advisers

    ...but no critical illness cover could, for example, find themselves with some awkward questions to answer if their client developed a critical illness. The same applies if they recommend critical illness cover but no income protection and their client becomes unable to earn a living as a result of a bad back...

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    Blog

  • Personal protection - Royal London for advisers

    Plan can change with your clients. So if it’s protecting their mortgage, family, or the lifestyle they’ve built – we’ve got it covered. All with just one application, one plan charge and one direct debit.  Our range of covers:  Life Cover Critical Illness Cover Life or Critical Illness Cover Children...

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    Personal

  • Helping families get cover that matters - Royal London for advisers

    ...we’ve improved our Children's Critical Illness Cover to make sure families get the cover that matters most to them. It’s our most comprehensive Children’s Critical Illness Cover yet. Last thing at night I’ll always have a sneaky peek at them sleeping (it’s about the only time they are quiet!) and thank...

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    Personal

    Critical Illness Cover

    Blog

    ...

  • Medical underwriting limits - Royal London for advisers

    ...life, second event) Critical Illness Cover Life or Critical Illness Cover Income Protection or Key Person Income Protection Select age range Up to and including 29 years 30 to 34 years 35 to 39 years 40 to 44 years 45 to 49 years 50 to 54 years 55 to 59 years 60 to 64 years 65 to 69 years 70 to 74...

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    Underwriting

  • Childhood cancer awareness month - Royal London for advisers

    ill. But if their child did fall ill, they wouldn’t want the additional stress that financial pressures would cause them. That’s where critical illness cover can help. Our approach When designing our propositions we consider potential vulnerable customers – like parents of children with cancer...

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    Blog

  • Business protection - Shareholder protection - Royal London for advisers

    ...by the estate and cash will come in. So, the shareholder hasn’t left shares in a private limited company for their beneficiaries but a lump sum of cash – and cash is fully subject to IHT. What’s the position on critical illness? A critically ill shareholder may not be able to contribute to the company and may...

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    Business

    Key Person Cover

    Loan protection

  • Embrace simplicity! - Royal London for advisers

    Embrace simplicity! 25 October 2016 When I first took out critical illness cover, I was overwhelmed. It wasn’t just the form filling, it was finding out about the sheer number of illnesses I was covered for. Did it give me peace of mind that I was covered for neuromyelitis optica or systematic...

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    Blog

  • Complete the protection treble for your clients - Royal London for advisers

    ...and Scotland I thought I’d talk about the protection treble of life cover, critical illness cover and income protection. Of these three, life cover is the most popular as it’s generally linked to a mortgage, critical illness is usually added as part of a combined life or earlier critical illness plan...

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    Personal

    Blog

    Personal protection

  • Why choose our Business Menu Plan? - Royal London for advisers

    ...approach to business protection, you can recommend Life Cover on its own, Critical Illness Cover on its own or you can combine them with different cover amounts, terms and options. It gives your clients a flexible arrangement to protect their businesses. If a person covered has to leave the business...

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    Business

  • Key person protection – Shareholder protection - Tax implications - Royal London for advisers

    ...arrangement will be trustees. The trust should be accompanied by an agreement governing the transfer of the shares. Typically this will be a cross option agreement on death and single option on critical illness. If the settlor suffers a critical illness and doesn’t want to sell their shares...

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    Business

    Key Person Cover

    Loan protection

  • Service and support - frequently asked questions - Royal London for advisers

    ...or a double option in the event that one of the owners is diagnosed with a critical illness. The single option gives the ill person an option to sell their share of the business to the other owners. If exercised, the other owners must buy the ill person’s share, but there is no option for the other...

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    Frequently asked questions

  • Why mortgage clients need to consider income protection - Royal London for advisers

    Why mortgage clients need to consider income protection Vincent O'Connor 21 August 2019 When you hear the words ‘mortgage protection’ what do you instinctively think of? You’re probably thinking about life cover or critical illness cover? Or perhaps decreasing term assurance? These are all great...

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    Income protection

  • Life begins at… - Royal London for advisers

    ...a need for added value services like Helping Hand. So as I embrace my half century – and no, it isn’t all about varifocals and cruise ships – I hope I’ll never have to make a claim on my critical illness cover. But knowing it’s there with additional support services that I could call on if needed...

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    Blog

  • It’s in the stars ! - Royal London for advisers

    It’s in the stars ! Ben Heffer 8 March 2016 February saw the annual launch of Defaqto’s Star Ratings and Diamond Ratings – Star Ratings for products and Diamond Ratings for funds. This year, we have once again awarded our highest Rating of 5 Stars to Royal London's Critical Illness Cover, Income...

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    Blog

  • Shareholder & partnership protection - Royal London for advisers

    . Introduction please select Introduction Cover purpose please select Individual or company share purchase Automatic accrual Type of cover please select Life Cover Critical Illness Cover Life or Critical Illness Cover Method of payment please select Level cover Increasing cover Method of calculation...

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    Tools and support

  • Key person protection - Royal London for advisers

    Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection Key Person Income Protection Method of payment please select Level Cover Increasing Cover Method of calculation please select Multiple of profits Multiple of salary Proportion of Salary Not applicable Setting up...

  • Loan protection reasons why - Royal London for advisers

    Type of cover please select Life cover Critical Illness Cover Life or Critical Illness Cover Method of payment please select Level cover Decreasing Cover Decreasing cover (Level Decrement) Method of calculation please select Business loan Business loan with overdraft Director's loan account Partner...

  • Have we got our protection priorities all wrong? - Royal London for advisers

    Have we got our protection priorities all wrong? Robin Carr 29 September 2017 Share Share At Royal London, we have a tool on our adviser website that shows the relative risks of death, critical illness, or being unable to work due to incapacity. We measure these risks using the age and gender...

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    Blog

  • Business protection - Partnership and membership protection – tax implications - Royal London for advisers

    ...the surrender value will be less than the premiums paid. Critical illness is not a chargeable event (section 484 (1) ITTOIA 2005). What are the implications of using a discretionary business trust? The trust is subject to the ‘relevant property’ regime applying to discretionary trusts. This regime can result...

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    Business

    Key Person Cover

    Loan protection

  • Details of our Waiver of Premium (Sickness) - Royal London for advisers

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

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    Personal

    Waiver of Premium

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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.