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You searched for the term critical illness Your search returned the following 40 results...
 
  • 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...

  • Cover where it matters - Royal London for advisers

    Comprehensive Critical Illness Cover that keeps it simple In 2018, 91% of our claims were for cancer, heart attack, stroke, multiple sclerosis and children’s critical illnesses.* So while your clients have peace of mind knowing they’re covered for 68 conditions, we focus on offering some...

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    Critical Illness Cover

    Life or Critical Illness Cover

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

    Business Protection Children's Critical Illness Cover 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 take out Critical Illness Cover with us they can choose to add...

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    Business

    Critical Illness Cover

  • Business Protection - Children's Critical Illness Cover Product Details - 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. Our definition...

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    Critical Illness Cover

    Business protection

  • 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

    ...

  • 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

  • Seven reasons to recommend our Critical Illness Cover - Royal London for advisers

    Seven reasons to recommend our Critical Illness Cover Amanda Docherty 13 March 2020 We know it’s important to recommend the right kind of critical illness cover for your clients. But getting to the heart of what matters when it comes to selecting cover can be tricky. With ever-growing lists...

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    Critical Illness Cover

    Blog

  • 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

  • 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

  • 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

  • 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

  • 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

  • Product details of our Business Protection Waiver of Premium (Sickness) - Royal London for advisers

    ...for: Life Cover Life or Critical Illness Cover Critical Illness Cover Pegasus Whole of Life Plan Income Protection - Waiver of Premium (Sickness) is automatically included Key Person Income Protection - Waiver of Premium (Sickness) is automatically included. Waiver of Premium (Sickness) is not available...

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    Business

    Waiver of Premium

  • Business protection - Key person protection for Partnership, LLPs and Sole traders - Tax implications - Royal London for advisers

    Business protection - Partnership, LLPs and sole traders - Tax implications One of the main reasons why more key person plans aren’t written is because of uncertainty over the tax treatment of premiums and benefits. Key facts A key person is someone whose death, critical illness or disability would...

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    Business

    Key Person Cover

    Loan protection

  • Why choose Royal London for protection - Royal London for advisers

    ...they’re at. Combine Life Cover, Critical Illness Cover, Life or Critical Illness Cover and Income Protection in one plan. We even have cover designed specifically for people with diabetes. A personal service With named case managers, direct access to underwriters, support from business development...

  • Free Cover - Royal London for advisers

    ...limits of: Life Cover for £1,000,000 or the equivalent amount for a cover payable as regular payments – so for a 25 year term, the maximum would be £1,000,000 divided by 25 Critical Illness Cover and Life or Critical Illness Cover for £500,000 or the equivalent amount for a cover payable as regular...

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    Underwriting

  • The risks your clients face without income protection - Royal London for advisers

    The risk your clients face without income protection Tracey Miller 19 February 2019 Perhaps income protection and critical illness cover could be even more important than life insurance for your clients. Christmas might seem like a distant memory now. The ceremonious switching on of lights...

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    Personal

    Critical Illness Cover

    Income protection

  • Adding real value, and making a difference - Royal London for advisers

    Adding real value, and making a difference Jane Wilson 11 July 2016 We want to give your clients the support they need when they need it most. In the event of a critical illness diagnosis, or the death of a loved one, money wouldn’t be the first thing on most people’s minds. Imagine you're...

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    Blog

  • Understanding the value of family income benefit CPD - Royal London for advisers

    Understanding the value of family income benefit Do you have clients who need critical illness cover but they're put off by cost?  Having cover that pays out an income rather than a lump sum could be the solution. In this webinar, our Protection Specialist Jennifer Gilchrist, looks at the features...

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    CPD

    Webinars

  • An introduction to business protection CPD - Royal London for advisers

    ...of: How to keep control of a business should a partner or shareholder suffer a critical illness or die. How to protect a business against the sudden and unexpected loss of a key employee. Relevant life plans and how they can help provide financial security to an employee's dependants.

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    Business

    Business protection

    CPD

    ...

  • Our trusts - Royal London for advisers

    ...for relevant life plans taken out by an employer wishing to provide death in service benefits for employees. Split trust Used where a plan owner wants to place life cover in trust for their chosen beneficiaries but retain access to certain other benefits such as critical illness cover. Which trust to choose Need some help choosing the right trust for your client? Use our handy trust picker.

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    Trusts

    Business protection

  • Backwards and Forwards - Royal London for advisers

    ...press recognising our step away from the ‘numbers race’ when it comes to critical illness cover.  By providing better quality cover for the most claimed-for conditions, advisers should find it easier to recommend the right product. We know the industry continues to make efforts to improve...

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    Blog

  • Business protection - Partnerships, LLPs and sole traders - Introduction - Royal London for advisers

    Business protection - Partnerships, LLPs and sole traders - Introduction People are critical in small businesses. If an owner or key employee dies or falls ill, the impact on the business can be huge. Key facts People are critical in small businesses. Business protection lets owners plan...

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    Business

    Key Person Cover

    Loan protection

  • Business protection – Companies – Tax implications - Royal London for advisers

    A key person is someone whose death, critical illness or disability would have a serious effect on the future profits of the business. Taxation treatment depends on the facts of a particular case and the practice of the local inspector of taxes. The proceeds will generally be taxable and the premiums...

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    Business

    Key Person Cover

    Loan protection

  • The gift trust - Royal London for advisers

    ...holder to receive the proceeds if they’re still alive 30 days after the death or diagnosis of a terminal illness of the first life assured. It’s usually only used with plans that pay out on death or terminal illness, as the trust doesn’t allow the plan owner to receive any critical illness benefit. This trust is available as a discretionary or a bare trust. Important note: Please note this is a guide and shouldn’t be relied on as actual advice.

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    Trusts

  • Business protection - Partnership and membership protection - Royal London for advisers

    , business property relief will be available for qualifying business assets. Life cover is set up in the same way as for the buy and sell agreement. What if critical illness is included? Critical illness cover for partnership or membership protection can be as important as life cover. Critical illness...

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    Business

    Key Person Cover

    Loan protection

  • Why some claims get rejected and what you can do to help - Royal London for advisers

    ...to discuss it at the start where it can be evaluated, rather than at the end when it’s too late. Critical illness It’s interesting to look back at old critical illness (CI) claims statistics, as CI definitions have generally become wider, covering more over time. Now we pay claims every year for ductal...

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    Underwriting

    Claims

    Blog

  • The split trust - Royal London for advisers

    The split trust We've designed the split trust for use where your clients want to put their life cover in trust for their chosen beneficiaries but retain access to certain benefits, for example income protection or critical illness cover (where they survive diagnosis by 30 days). Get our literature...

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    Trusts

  • Good parent portfolio - Royal London for advisers

    ...choose from: Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection Waiver of Premium (Sickness) Questions for you to ask your clients Do you have life cover in case you die? Do you have critical illness cover in case you become seriously ill? What about if you had an accident...

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    Good parent portfolio

  • Trusts - frequently asked questions - Royal London for advisers

    ...is payable as this has no value in your client’s estate when they die. If the claim is on death or diagnosis of terminal illness, a critical illness or Total Permanent Disability, there will be no immediate liability to inheritance tax as this will not be part of your client’s estate. However...

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    Frequently asked questions

    Trusts

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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.