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You searched for the term mental illness Your search returned the following 40 results...
 
  • With sport in mind - Royal London for advisers

    mental health concerns.  Just last year, mental illness was one of the top three reasons for an income protection claim which perhaps shows these issues are more prevalent than you might think2. Exercise and mental health Exercise can be prescribed as part of a course of treatment for mental health...

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    Blog

  • Mental health in the mainstream - Royal London for advisers

    ...career. From Ellie Goulding to JK Rowling, and from Alastair Campbell to Andrew ‘Freddie’ Flintoff, there’s no shortage of famous people who’ve shown there’s no shame in speaking up about mental illness. But while neither gender should be applauded more than the other for being so honest, talking...

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    Blog

  • Happy while you work - Royal London for advisers

    ...and healthier lives than those who are not in work” Physiotherapy and complementary therapies can help if your clients are suffering from back problems.  And for mental illness, they could get access to counselling and support with stress and depression. But these are just some examples – when your...

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    Blog

  • Keep calm and carry on? - Royal London for advisers

    's bothering us. But if someone feels that the stresses and demands of life are getting on top of them, pretending everything's fine can often add to the pressure. Life is hard sometimes, and mental health disorders such as depression and anxiety are more common than you might think. We've found...

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    Blog

  • Back to work? - Royal London for advisers

    ...from mental health problems, the hangover from Christmas combined with January bleakness, can often compound ill health. It's a growing issue with an estimated 1 in 4 people experiencing mental health problems at some point in their life, causing over 70 million working days to be lost each year.2...

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    Blog

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

    ...unpaid claims and the unfairness of it all. But hopefully, greater transparency and more education will help us to pay more claims. In this article I’ll provide a bit more insight into claims and why some don’t get paid. Life cover  There are two main reasons life cover claims aren’t paid: a policy...

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    Personal

    Underwriting

    Claims

    ...

  • How your advice can help bridge the care gap - Royal London for advisers

    ...are living with this illness across the UK3. The condition accounts for 10% of the NHS budget for England and Wales.4   But even more prevalent are mental health issues which now affect 1 in 4.1 It’s time to be realistic. The sustainability of the NHS is uncertain and it can’t offer the holistic...

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    Critical Illness Cover

    Life or Critical Illness Cover

    Income protection

    ...

  • 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

  • Helping Hand in action - Royal London for advisers

    ...who explained that Jade could contact her whenever she needed to speak to someone about her mental health issues. Zena spoke with Jade and gave her different techniques to manage her stress and anxiety. She also arranged for Jade to see a Life Coach who helped her focus on her future. Thanks to her...

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    Helping Hand

  • 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

  • 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...

  • 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

  • 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

  • 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

  • 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

  • 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

  • Why your clients need some tough love - Royal London for advisers

    Critical illness and income protection are even further down the shopping list which is a bit back to front considering the risks of being critically ill or unable to work due to illness are much, much higher. In fact, in our own research we found that 52% of mortgage holders don't have a plan in place...

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    Blog

  • How protection can save Christmas - Royal London for advisers

    ...research showed that among people who have cared for someone with an illness, more than half (54%) had to take some time off or reduce their own working hours as a result3. It’s important that your clients consider not only the financial implications of being ill and unable to work, but also how they’ll...

  • 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

  • Statutory sick pay case study - Royal London for advisers

    Claiming state benefits This case study explores how different state benefits can be used when somebody is unable to work due to illness. Key facts Universal Credit is a payment to help people their living costs and is paid monthly for most claimants. Income related Employment & Support Allowance...

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    Case studies

  • 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 - 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

  • 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

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

    ...agreement in place. This is a crucial document that not only sets out how the profits and capital of the business should be shared, it also states what should happen in the event of dissolution of the partnership or LLP, retirement, death or ill health of any of the partners or members. Any existing...

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    Business

    Key Person Cover

    Loan 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

  • 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

    ...

  • 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

  • Guide to business protection - Royal London for advisers

    illness the option to sell immediately. The option for the other owners would deferred for a period, typically 12 months, and could only be exercised if the ill person does not return to work within that period. Company share purchase The rules are strict but it is possible for a company to purchase...

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    Business

  • 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, through our Business Menu Plan, pays out a monthly income at the end of the chosen deferred period...

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    Business

    Income protection

    Key Person Cover

    ...

  • 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...

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    Whole of life

  • 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

  • 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

    ...

  • What's for dinner tonight? - Royal London for advisers

    ...be the ‘working poor’, people on zero-hours contracts or those struggling to find work after a recent redundancy, or because of a long term illness. Certainly not the stereotype you might think. Perhaps most surprising is that most of the people using this service are male and only 30% have families...

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    Personal

    Income protection

    Blog

  • 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

  • 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

  • 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

  • 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

  • Life's a risky business - Royal London for advisers

    ...a pretty substantial mortgage on the family home, they might even have some debt. So now let’s imagine that illness comes along.  Even a substantial amount of savings is unlikely to fund that kind of lifestyle for very long. How long before this family has to raid the piggy bank, cease pension...

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    Personal

    Life Cover

    Critical Illness Cover

    ...

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

    ...deferred period. Your clients can choose between 4,8, 13, 26 or 52 weeks. If circumstances change, the deferred period can usually be altered to suit your clients' needs. Terminal illness - if your clients are diagnosed with a terminal illness and have less than 12 months to live, they won’t need to wait...

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    Business

    Waiver of Premium

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

    ...covered dies or meets our definition of a terminal illness.  Limits of our Pegasus Whole of Life Plan Increasing the amount of life cover Cover increase options Age when cover starts – minimum 18 years old, maximum 89 years old Amount – unlimited cover, or up to a maximum of £5 million when...

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    Whole of life

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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.