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  • Income Protection Insurance - Royal London for advisers

    Income Protection Insurance Our Income Protection Insurance can help your clients rest a bit easier, knowing they'll get a monthly income that could help towards outgoings such as mortgage payments if they're sick or injured and can't work. Video transcript - Just The Job Our Income Protection...

    tags: 

    Personal

    Income protection

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

    Why mortgage clients need income protection When protecting a mortgage the standard recommendation is usually life cover. But what happens if your clients are too ill to work? How will they manage to pay their monthly bills? We'll take a look at some solutions to help your mortgage clients protect...

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    CPD

    Webinars

  • Income protection for business - Royal London for advisers

    A snapshot of our Income Protection No one wants to worry about what might happen to their business if they can't work. But absence from work because of illness or injury is one of the biggest risks your clients face. That's why our Income Protection includes fracture cover as standard. Our Income...

    tags: 

    Business

    Income protection

    Business covers

  • Details of our Income Protection - Royal London for advisers

    Details of our Income Protection Need to give a client a simple answer to a complicated question? You’ll find everything you need to know here.  We'll pay out Income Protection claims if your clients are unable to work due to sickness, accident or disability and meet our definition...

    tags: 

    Personal

    Income protection

  • p8pd0002-income-protection-payments.pdf

    INCOME PROTECTION DOESN’T HAVE TO COST AS MUCH AS YOU MIGHT THINK If you’re on a tight budget, you might be worried that you can’t afford income protection. With our Income Protection, you have a range of options, so you can tailor it to suit your budget. You can decide between level or increasing...

  • Our recent changes could help make the income protection sale easier - Royal London for advisers

    Our recent changes could help make the income protection sale easier Sarah Scott 29 April 2019 In 2018, our research found that almost four times more people owned life cover than an income protection product*. And with 25% saying they felt that income protection was too expensive1, it was clear...

    tags: 

    Personal

    Income protection

    Personal protection

  • Approaching income protection - Royal London for advisers

    Approaching income protection Watch our adviser films and find out how they approach the income protection conversation.     The value of income protection             Approaching the conversation             Target audience             Objection handling             Helping Hand             Claims experience           View these income protection videos on our Vimeo page. Last updated: 01 Feb 2017...

    tags: 

    Tools

    Income protection

  • Additional benefits of Income Protection - Royal London for advisers

    Additional benefits of Income Protection Our Income Protection also automatically includes fracture cover and hospitalisation payment as standard. There’s no need to wait for your chosen deferred period to end before getting a payout and they don’t affect your main Income Protection cover. Fracture...

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    Income protection

    Business covers

    Business protection

  • Attitudes towards income protection - Royal London for advisers

    Attitudes toward income protection Ross Jackson 19 September 2017 Share Share Royal London commissioned Opinium to run our State of the Protection Nation research to find out how people felt about their own protection needs and the industry as a whole. We surveyed people who had already taken out...

  • Key Person Income Protection - Royal London for advisers

    Key Person Income Protection No one wants to worry about what might happen to their business if a skilled employee can't work because of an injury or illness. Our Key Person Income Protection pays out a monthly income at the end of the deferred period if the person covered is either unable to work...

    tags: 

    Business

    Income protection

    Key Person Cover

    ...

  • How netball made me assess my Income Protection needs - Royal London for advisers

    ...the importance of having Income Protection in place. Clearly a number of employers will pay for a short period of sickness, but what happens after that? I certainly couldn’t afford to be off work. For me it’s now a no-brainer – and I almost can’t believe I have waited so long to protect my income. Make...

    tags: 

    Income protection

    Blog

    Personal protection

  • Maximum benefit calculator - Royal London for advisers

    Maximum income calculator Work out the maximum income your client can apply for under Income Protection. This calculator allows you to work out the maximum income your client can apply for under Income Protection. It doesn’t apply to Key Person Income Protection. Any income from other plans your...

  • rdp8on0004-income-protection-target-market-statement.pdf

    Index or a fixed rate between 2-5%). Customer type Personal Yes Our primary target market is customers with regular earnings. People who want to protect themselves against the loss of earnings because of sickness or accident. Business Yes Income protection is also available on our business protection...

  • why-mortgage-clients-need-income-protection-qa.pdf

    Why mortgage clients need income protection Q&A Question: Answer: Can a 4 week deferred period be applied to someone who is self-employed? Yes, although there may be restrictions on certain occupations. Is there a way to have income protection funded by a company for small contractor type clients...

  • Just the job - Income Protection from Royal London - Royal London for advisers

    ...things while we’re waiting for financial evidence. To get fully up-to-speed on Income Protection, visit adviser.royallondon.com/protection. Flexible, affordable cover Protect more income Fracture cover Hospitalisation payment Back-to-work payment Helping Hand Flexible, affordable cover Your clients can...

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    Campaign

    Income protection

  • 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

  • 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

  • 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...

    tags: 

    Personal

    Critical Illness Cover

    Income protection

  • Protecting income, protecting lifestyle - The backup plan CPD - Royal London for advisers

    Pay, Employment & Support Allowance / Universal Credit, and Support for Mortgage Interest for the 2019/2020 tax year). Some simple but effective open questions and talking points to help your clients prioritise their protection risks and help them take appropriate action. How Royal London can help you design a high quality Income Protection solution for your clients, even if on a modest budget. Last updated: 01 Jul 2019...

    tags: 

    CPD

    Webinars

  • Protecting income & protecting lifestyle – the backup plan! - Royal London for advisers

    ...have now made it clear that any income that people receive from insurance (such as Income Protection) which is specifically intended to cover their mortgage payments; this would be disregarded when their means tested benefits are assessed. 5. Can an employer claim the Statutory Sick Pay they have paid...

    tags: 

    Personal

  • p9b0043.underwriting-occupations-for-income-protection.pdf

    UNDERWRITING OCCUPATIONS FOR INCOME PROTECTION We segment occupations into 11 different classes when underwriting for Income Protection. Our proposition only offers Income Protection on an own occupation basis to eligible clients. We cannot offer own occupation benefit to everyone, but we have...

  • Good advice has its benefits - Royal London for advisers

    , like contractors or those who are self-employed, may not even be entitled to receive that. More stress over how to pay the mortgage and bills isn’t something they need when they’re already feeling low. Two of the most common reasons for claims on our Income Protection last year were...

    tags: 

    Income protection

    Personal protection

  • sap8p10017-our-income-protection-is-tuned-to-your-clients-needs.pdf

    ...them over for six months to a year if they were too ill to work. 1 Our Income Protection can help protect more of your clients’ income Your clients can cover up to 65% of the first £15,000 of their pre-tax earnings, plus up to 55% of the remainder, up to a maximum of £250,000 a year. Your self...

  • pcp8p10012-plan-details-for-the-personal-menu-plan-income-protection-1908.pdf

    PERSONAL MENU PLAN INCOME PROTECTION Plan details - August 2019 Personal Menu Plan - Income Protection WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE PERSONAL MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR...

  • pcp8p10012-plan-details-for-the-personal-menu-plan-income-protection-1904.pdf

    PERSONAL MENU PLAN INCOME PROTECTION Plan details - April 2019 Personal Menu Plan - Income Protection WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE PERSONAL MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR...

  • pcp8p10012-plan-details-for-the-personal-menu-plan-income-protection-1801.pdf

    PERSONAL MENU PLAN INCOME PROTECTION Plan details - January 2018 Protection - Personal Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE PERSONAL MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS...

  • pcp8p10013-plan-details-for-the-business-menu-plan-income-protection-1806.pdf

    BUSINESS MENU PLAN INCOME PROTECTION Plan details - June 2018 Protection - Business Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE BUSINESS MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS UP...

  • pcp8p10013-plan-details-for-the-business-menu-plan-income-protection-1908.pdf

    BUSINESS MENU PLAN INCOME PROTECTION Plan details - August 2019 Protection - Business Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE BUSINESS MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS UP...

  • pcp8p10012-plan-details-for-the-personal-menu-plan-income-protection-1709.pdf

    PERSONAL MENU PLAN INCOME PROTECTION Plan details - September 2017 Protection - Personal Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE PERSONAL MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS...

  • pcp8p10013-plan-details-for-the-business-menu-plan-income-protection-1704.pdf

    BUSINESS MENU PLAN INCOME PROTECTION Plan details - April 2017 Protection - Business Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE BUSINESS MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS UP...

  • pcp8p10013-plan-details-for-the-business-menu-plan-income-protection-1709.pdf

    BUSINESS MENU PLAN INCOME PROTECTION Plan details - September 2017 Protection - Business Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE BUSINESS MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS...

  • pcp8p10012-plan-details-for-the-personal-menu-plan-income-protection-1810.pdf

    PERSONAL MENU PLAN INCOME PROTECTION Plan details - October 2018 Protection - Personal Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE PERSONAL MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS...

  • pcp8p10013-plan-details-for-the-business-menu-plan-income-protection-1801.pdf

    BUSINESS MENU PLAN INCOME PROTECTION Plan details - January 2018 Protection - Business Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE BUSINESS MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS...

  • pcp8p10013-plan-details-for-the-business-menu-plan-income-protection-1810.pdf

    BUSINESS MENU PLAN INCOME PROTECTION Plan details - October 2018 Protection - Business Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE BUSINESS MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS...

  • rdp8on0006-key-person-income-protection-target-market-statement.pdf

    Product Target Market Product Name General Product Description Additional Comments (if applicable) Key Person Income Protection Short term income protection plan designed to provide a business with a regular income to replace the profits attributable to a key person in the event they are unable...

  • pcp8p10012-plan-details-for-the-personal-menu-plan-income-protection-1806.pdf

    PERSONAL MENU PLAN INCOME PROTECTION Plan details - June 2018 Protection - Personal Menu Plan WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE PERSONAL MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR PREMIUMS UP...

  • PowerPoint Presentation

    Lose income Return to work too early Bills to pay Financial Stress Need time to recover 4 INCOME PROTECTION THE NEED FOR COVER Protect your clients against their biggest risk Between October 2010 and September 2013, almost a million people in the UK suffered an injury or serious illness that meant...

  • pcp8p10012-plan-details-for-the-personal-menu-plan-income-protection.pdf

    PERSONAL MENU PLAN INCOME PROTECTION Plan details - August 2019 Personal Menu Plan - Income Protection WE GIVE THIS BOOKLET OF TERMS AND CONDITIONS TO EVERYONE WHO BUYS INCOME PROTECTION UNDER THE PERSONAL MENU PLAN. IT TELLS YOU HOW YOUR COVER WORKS AND EXPLAINS HOW TO MAKE A CLAIM, KEEP YOUR...

  • PowerPoint Presentation

    WHY MORTGAGE CLIENTS NEED INCOME PROTECTION WHY MORTGAGE CLIENTS NEED IP HOUSEKEEPING • Questions can be submitted in the ‘Ask a question’ box below the main webinar feed • If you encounter any technical issues use the support option and then select ‘viewers’ and someone from BrightTALK will help...

  • Using product options

    Affordable Income protection Hi there. In this short presentation, we’re going to be looking at the ways we can help you to provide your clients with tailored solutions that include income protection cover. The Royal London Personal Menu Plan lets you to tailor a client’s benefits to their specific...

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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.