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You searched for the term life cover whole of life Your search returned the following 40 results...
 
  • Online trusts - frequently asked questions - Royal London for advisers

    ? You can complete a signature free, online trust for our Relevant Life and Business Menu plans as part of the application journey. Paper trust forms are available for Personal Menu, Diabetes Life Cover and Pegasus Whole of Life plans.  The following forms are also available as pdf and can be signed...

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    Trusts

  • A snapshot of our Pegasus Whole of Life Plan - Royal London for advisers

    ...delivers just that. Tailor-made whole of life cover We make it easy to customise our Pegasus Whole of Life Plan. We offer single life, joint life first event or joint life second event. We also offer cover on a life of another basis. Cover can be level or increasing. Client benefits - Pegasus Whole...

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    Whole of life

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

    ) Business Menu – Life Cover Business Menu – Life or Critical Illness Cover Business Menu – Critical Illness Cover Business Menu – Key Person Income Protection Relevant Life Plan Relevant Life Pegasus Whole of Life Plan Pegasus Whole of Life Diabetes Life Cover Diabetes Life Cover Looking for more...

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    Personal

    Business

    Life Cover

    ...

  • Why choose our Pegasus Whole of Life Plan? - Royal London for advisers

    ...gives you quicker decisions. Offer a smooth client experience – each application has a dedicated case manager to take delays out of the approval process. Cover more than your client’s mortgage Our Pegasus Whole of Life Plan can give your clients protection beyond the life of their mortgage, until...

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    Whole of life

  • Reasons why (whole of life) - Royal London for advisers

    Reasons why (whole of life) To help you explain the reasons for recommending a Royal London Whole of Life policy, we've produced various paragraphs that describe our company and the features and benefits of the product. Introduction please select Pegasus Whole of Life Plan Type of cover please...

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    Tools protection

    Whole of life

  • 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

  • Life cover for life - Royal London for advisers

    Life cover for life Jennifer Gilchrist 9 May 2016 When someone mentions whole of life plans, most people will think of a niche product that serves as an inheritance tax (IHT) planning tool for high net worth clients. And it’s really not surprising they’ve been pigeon-holed in that way, because...

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    Blog

  • Diabetes Life Cover - Royal London for advisers

    Take a closer look at our Diabetes Life Cover People with diabetes can struggle to find competitively priced life insurance. That’s why we’ve designed cover specifically for them - it can reward good control with a reduced premium if their condition improves. Benefits of our Diabetes Life Cover...

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    Diabetes life cover

  • Approach letters (whole of life) - Royal London for advisers

    Approach letters (Pegasus Whole of Life) Download our approach letters for Pegasus. pegasus - approach letter All the material has been approved by Royal London's compliance team. You should however make sure that your own compliance department approves the versions you're using.

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    Tools protection

  • A personal and supportive claims experience - Royal London for advisers

    , in my particular case, a whole of life cover with critical illness. SHELLEY: And that was with Royal London? DEREK: Yeah that's correct. SHELLEY: And how did you find the overall process dealing with Royal London? DEREK: The process was simply stunning. I wasn't really sure that these policies...

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    Life Cover

    Critical Illness Cover

    Income protection

    ...

  • Providing life cover for employees - Royal London for advisers

    Providing life cover for employees A relevant life plan is a death-in-service plan set up and paid for by an employer. Key facts Relevant life plans shouldn’t be used for the benefit of the business. It’s a benefit for the employee and their family. Any other use would raise questions with HMRC...

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    Business

    Relevant Life

  • Why it’s vital to provide holistic protection advice - Royal London for advisers

    ...on in our own research; Drewberry’s 2017 Protection Survey of 3,000 working adults found that only 37% had any form of Life Insurance. Among those who did, it’s likely that a significant proportion wouldn’t have an adequate level of cover for both mortgage and family protection. More worrying still...

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    Life Cover

  • Details of our Pegasus Whole of Life Plan - Royal London for advisers

    Details of our Pegasus Whole of Life Plan Find out exactly how your clients can tailor their cover. If your clients' circumstances change during the life of their plan, they can update or rework their cover to better suit their needs. Your clients or their family can make a claim when the person...

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    Whole of life

  • Approach letters - Royal London for advisers

    ...protection. Business protection Approach letters for business protection. Relevant Life Approach letters for Relevant Life. Whole of life Download our approach letters for Whole of life. Diabetes Life Cover Approach letters for Diabetes Life Cover.

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    Approach letters

  • Reasons why builder - Royal London for advisers

    ...for Relevant Life Use this tool to identify the reasons why paragraphs for our Relevant Life Plan. Reasons why for Whole of Life Use this tool to identify the reasons why paragraphs for our Pegasus Whole of Life Plan. Reasons why for Diabetes Life Cover Use this tool to identify the reasons why paragraphs for our Diabetes Life Cover...

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    Reasons why

  • A snapshot of our Waiver of Premium (Sickness) | Pegasus Whole of Life Plan - Royal London for advisers

    A snapshot of our Waiver of Premium (Sickness) Would your clients still be able to pay their premiums if they were unable to work due to an illness or injury? Our Waiver of Premium (Sickness) covers your clients' premiums should they become ill or injured and meet our definition of incapacitated, or if they're diagnosed with a t...

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    Whole of life

  • Our products - Royal London for advisers

    -efficient way to protect your clients’ employees. Pegasus Whole of Life Plan Reduce your clients’ worries about inheritance tax, and help them protect their families or businesses. Diabetes Life Cover Help your clients with diabetes get cover that suits their needs.

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    Personal protection

    Business 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

  • Relevant life calculator - Royal London for advisers

    Relevant life calculator How much could a relevant life policy save your clients? This calculator allows you to show your clients the difference in the gross cost of providing their life cover through a relevant life policy taken out by their employer compared to a policy they would take out...

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    Relevant Life

    Calculators

  • Beneficiary Nomination - Royal London for advisers

    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. Beneficiary nomination FAQs Find the answers to common questions...

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    Trusts

    Personal protection

  • Free Cover - Royal London for advisers

    Free Cover If you apply for a Personal Menu Plan, Business Menu Plan, Relevant Life Plan or Pegasus Whole of Life Plan and your client’s plan doesn't start right away, we want to make sure they’re protected in the meantime. That’s why we offer Free Cover. It’s temporary cover – the same type...

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    Underwriting

  • 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

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

    ...to repay a loan on that person’s death, then the plan wouldn’t meet this criteria. Any plan with a surrender value will similarly fall outside this rule because some part of the premium is going towards investment, rather than solely to meet the loss of profit. Premiums paid towards whole of life plans...

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    Business

    Key Person Cover

    Loan protection

  • Protection product information - Royal London for advisers

    ’ employees. Pegasus Whole of Life Plan For clients worried about inheritance tax and leaving a legacy to their loved ones. Diabetes Life Cover Cover designed specifically for people with diabetes Helping Hand This support service is there for your clients, whichever stage in life they're at, and as a plan...

  • Advantages of a relevant life plan - Royal London for advisers

    Advantages of a relevant life plan There are lots of good reasons to choose a relevant life plan. But it all boils down to tax-efficient life cover for directors and employees, and what business doesn’t want that? Key facts The benefit won’t form part of an employee’s lifetime allowance...

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    Business

    Relevant Life

  • Relevant Life Policies - frequently asked questions - Royal London for advisers

    ...they are 'non–registered', so do not fall under pensions legislation. 2. What do they do? Relevant life plans provide life cover for the benefit of employees' and directors' dependants paid through a discretionary trust. They are taken out and paid for by the employer. 3. Who is allowed to have one...

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    Frequently asked questions

    Relevant Life

  • OTS simplification of inheritance tax - Royal London for advisers

    ...of policy, such as whole of life or endowments.  However, this overlooks the fact that almost all new whole of life policies issued since the implementation of the retail distribution review (RDR) also have no investment element and provide no surrender value.  Many of these are for relatively small...

  • Relevant life plans frequently asked questions - Royal London for advisers

    ...legislation that deals with group schemes. But unlike the schemes provided by most big employers, they’re ‘non-registered’, so don’t fall under pensions legislation. They provide life cover, through a discretionary trust, for the benefit of employees’ and directors’ dependants. They’re taken out and paid...

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    Relevant Life

  • Product details - Diabetes Life Cover - Royal London for advisers

    Details of our Diabetes Life Cover Your client or their family can make a claim when the person covered dies or meets our definition of a terminal illness. Plan choices – Diabetes Life Cover Limits of Diabetes Life Cover Basis – single life only Premiums – Capped reviewable premiums which can...

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    Diabetes life cover

  • Business protection decision tree - Royal London for advisers

    ...relevant life plan, owned by the employer on the life of their employee. If the plan only includes life cover and is written under a relevant life plan trust from the start and doesn’t go past age 75, it should qualify as a tax-efficient relevant life plan. If the person to be covered is your sole...

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    Calculators

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

    . The business can choose to have the cover payable as a lump sum or possibly by instalments. However, depending on who the key person is, their involvement with the business may not last until retirement. So perhaps shorter term cover would be better. Another option is whole of life. Although...

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    Business

    Key Person Cover

    Loan protection

  • Prioritising the protection conversation - Royal London for advisers

    ...having protection in place more than a quarter said they thought it was too expensive.* But with the different options available these days, you can tailor cover to suit most budgets. With family income benefit on life or critical illness cover and limited payment periods on income protection, no-one...

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    Personal

    Opinion

    Opportunity

    ...

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

    ...adequate life cover in their own names for the value of their share in the partnership or LLP, by way of compensation for their families. Each plan would normally be placed in trust for the benefit of family members so that the proceeds would be outside the estate for IHT purposes. If all partners...

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    Business

    Key Person Cover

    Loan protection

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

    ...to pay employer's National Insurance. 11. Will my client get tax relief on their premiums? This will depend on the purpose of the plan, their relationship with the employee and the type of cover involved. If they take out Life Cover, Critical Illness Cover or Life or Critical Illness Cover...

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    Frequently asked questions

  • Life begins at… - Royal London for advisers

    Life begins at… 13 July 2016 Having reached a certain age (it’s the new 40 by the way), I’m having to come to terms with the fact that my peers and I aren’t as immune from illness or death as we’d like to think. That’s the problem with 30 being the new 20 and 40 the new 30, when you reach your 50’s...

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    Blog

  • During your client meeting - Royal London for advisers

    During your client meeting Calculators you can use with your clients. During your meeting Affordability calculator Use this calculator to assess your client's monthly outgoings and recommend how much cover they should be getting. Business protection calculator This calculator is a checklist...

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    Tools and support

  • Good parent portfolio - Royal London for advisers

    Good parent portfolio Helping you to develop a holistic approach to good advice Selling your clients life cover helps to make sure they’re financially protected, but does it go far enough? Using a more holistic approach to their protection needs means that you’re not only giving them complete cover...

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    Good parent portfolio

  • How family income benefit can provide an affordable protection solution - Royal London for advisers

    ...to use this affordable protection solution, why not register for our upcoming webinar – ‘Understanding the value of family income benefit’ Sources 1  Royal London, State of the Protection Nation, June 2019 2   More Than, ‘Cost of running a home’ report, August 2017 3   Royal London Life Cover only quote...

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    Blog

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

    ...is solely for death, they would simply place the plan in a gift trust for their family. If critical illness is included, the plan could be written under a split trust with the family as beneficiaries of the Life Cover. If the sole trader dies, their family could meet the financial obligations...

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    Business

    Key Person Cover

    Loan protection

  • 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

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.