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You searched for the term personal menu plan Your search returned the following 40 results...
 
  • 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

  • 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

  • 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

    ...

  • Our products - Royal London for advisers

    Our products Personal Menu Plan Put together a protection plan that suits your clients’ needs and budgets perfectly. Business Menu Plan We want to help you make the most of your business protection opportunities. Relevant Life Plan A tax-efficient way to protect your clients’ employees. Pegasus...

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    Personal protection

    Business protection

  • Protection product information - Royal London for advisers

    Protection from Royal London Our products and services Personal Menu Plan Cover you can mix and match to meet your clients’ needs, and change over time. Business Menu Plan Flexible solutions to protect your clients’ businesses. Relevant Life Plan A tax-efficient way to protect your clients...

  • Cover where it matters - Royal London for advisers

    Critical Illness Cover as part of a personal menu plan, tailoring cover to suit your clients' needs and budgets. More support for your critical illness conversations We've a range of materials that can help you demonstrate the value of our Critical Illness Cover. Critical Illness Cover at a glance...

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    Critical Illness Cover

    Life or Critical Illness Cover

  • Immediate Cover - Royal London for advisers

    - Immediate Cover provides cover for up to 90 days during underwriting.  Accessible - Immediate Cover is available when your clients apply for Life Cover through our Personal Menu Plan, Business Menu Plan, Relevant Life Plan and Pegasus Whole of Life Plan.   Same cover amount - your clients’ Immediate...

  • Opportunities - Royal London for advisers

    ...premium for a personal menu plan was £385, while the average for a business menu plan was £1,305. There are also more opportunities for repeat custom with business protection. Business protection planner Toolkit designed to help you make the most of the business protection opportunity. Sales tactics How to find and recommend the right cover for your clients. Setting up a plan All the support you need to write business protection plans with us.

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    Business

  • 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

  • Diabetes Life Cover - Royal London for advisers

    ...types of cover for my clients who have diabetes? Outside of our Personal Menu Plan, we only currently offer personal life cover on a level term basis to your clients who have type 1 or type 2 diabetes. However, we may look to make enhancements to this cover in the future. Get a quote or find out...

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    Diabetes life cover

  • Reality check! - Royal London for advisers

    Personal Menu Plan you can mix and match a range of covers and benefits with different sums assured and plan terms. All with just one application, one plan charge and one direct debit. Nowadays, advisers have so many hurdles to get past before they can get people to start even thinking about...

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    Critical Illness Cover

    Income protection

    Blog

    ...

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

    ...and school supplies. It’s also ideal for someone who has become a full time carer for their spouse or partner, as it could provide a regular income to pay for things such as nurse home visits and utility bills. Support for you Our Personal Menu Plan allows clients to choose to have their cover paid...

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    Blog

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

    Cover will remain in place.  Personal support - our Helping Hand service gives your clients, and their partner and children, access to a dedicated nurse who can support them through serious illness, injury or bereavement. It's available from the day their plan starts and they don't need to pay anything...

  • Reasons why builder - Royal London for advisers

    ...this this tool to compile the ‘reasons why’ paragraphs to support your recommendation of Royal London and your specific personal menu solution. Reasons why for business protection Use this this tool to identify the reasons why your client should choose key person, loan or ownership protection. Reasons why...

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    Reasons why

  • Your commission payments - Royal London for advisers

    's permission to do so. Is commission on a 2-year earnings period available on all of your products? No, we only pay commission on a 2-year earnings period on our Personal Protection Menu, Business Protection Menu and Relevant Life Plans. We will pay commission on our Pegasus Whole of Life Plan on a 4...

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

    ...their cover. As an adviser, you can use the flexibility of a menu plan to recommend the couple have separate life and separate critical illness covers. Instead of just £100,000 joint life and £25,000 joint critical illness cover, they now have a plan with £200,000 life and £50,000 critical illness cover...

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    Blog

  • Helping Hand for business - Royal London for advisers

    Helping Hand for business Losing a key member of staff can have practical and emotional consequences. So our Helping Hand service supports your client's business too. Your clients will have access to this service from the day their Business Menu or Relevant Life Plan starts. It can help them...

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    Helping Hand

  • Doing the right - why value-added services matter - Royal London for advisers

    ...extra. Our own service, Helping Hand, is available on all our menu, relevant life and whole of life plans from the day a plan starts – even if your client never has to make a claim. It’s also available to the client’s immediate family (spouse or partner and children). We were the first provider...

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    Blog

  • Making a claim - Royal London for advisers

    's mind if they're going through a difficult time, and dealing with the unknown can be daunting. That's why all our Menu, Relevant Life and Whole of Life plans include our Helping Hand support service. It's available from the day your client's plan starts, they won’t need to pay anything extra to use...

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    Claims

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

    ...and benefits of family income benefit and explores the opportunities to use it as part of a flexible, tailored menu plan. Additional reading Webinar questions and answers CPD learning outcomes - 45 minutes After watching this webinar, you'll have an understanding of: How to talk about the main...

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    CPD

    Webinars

  • Personal savings allowance - Royal London for advisers

    Personal savings allowance You may get up to £1,000 of interest tax-free depending on which income tax band you're in.  This is your personal savings allowance. Tax Year Basic rate taxpayer High rate taxpayer Additional rate taxpayer 2019/2020 £1,000 £500 Nil 2018/2019 £1,000 £500 Nil 2017/2018...

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    Rates and factors

  • Find the right trust - Royal London for advisers

    Started Is the plan a Relevant Life Plan? Yes No Is the plan a Business Menu Plan? Yes No Are they a sole trader or partner in a partnership with an automatic accrual agreement? Yes No Is the plan owned by more than one person? Yes No Do they want the survivor to benefit should one of them die? Yes...

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    Calculators

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

    , talking through clinical discussions and encouraging my well-being have been greatly appreciated." Royal London's vision, to provide a flexible proposition that's easy to recommend, is one of the reasons our Helping Hand service is included in every menu plan we sell. In an age of price wars...

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    Blog

  • Approach letters (personal) - Royal London for advisers

    Approach letters (personal) Download our approach letters for personal protection Become a trustee approach letter Could you afford to keep your home if you became critically  ill? Could you maintain your lifestyle if you couldn't work? How would you keep a roof over your head if you couldn't work...

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    Approach letters

  • A personal service to make your life easier - Royal London for advisers

    We make it easy to do business with us At Royal London, delivering good service underpins everything we do. That’s why we give you a dedicated case manager to see each case through from start to finish.  And for cases that are referred to our underwriters, the case manager will work closely with them to make sure they’re managed...

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    Case management

  • A personal approach to handling claims - Royal London for advisers

    I've come to think more reflect more about it and realise that for me it is probably a life changing event. SHELLEY: And I believe you had a personal protection plan as well? DEREK: Yes I did. Advised upon by myself of course a good few years ago and something that I had retained, in my particular...

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    Life Cover

    Critical Illness Cover

    Income protection

    ...

  • Product details - Royal London for advisers

    ...be made from any country, however we might need the person covered to return to one of the countries listed on Section 1 of our plan details. When we won’t pay a claim There are some circumstances where we won’t pay a claim. For full details, take a look at ‘When we will and won’t pay a claim’ in Section 1 of our plan details. Terms and conditions For full terms and conditions, see our Business Menu Critical Illness Cover plan details.

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    Critical Illness Cover

    Business protection

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

    , it’s eligible for the tax benefits. A single person relevant life plan has to meet certain conditions: It can only provide life cover and no other benefit. It can only pay out a lump sum when the employee dies in service before the age of 75. It can’t have a surrender value. A small surrender...

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    Business

    Relevant Life

  • Service for protection - Royal London for advisers

    Service Everyone’s different... that’s why we offer a personal service designed to fit around the needs of you and your business. For every case, we give you named case managers who’ll see it through from start to finish. And you have a direct line to our underwriters as well as support from...

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    Service protection

  • Quote and apply - frequently asked questions - Royal London for advisers

    ...for Personal Menu, Business Menu, Relevant Life and Pegasus Whole of Life plans. 9. Can I apply on interactive quote and apply with a third party payer? Yes, you can apply online with a third party payer. If the plan is accepted and the payer is marked as the business partner, company, employer...

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    Frequently asked questions

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

    Service and support - frequently asked questions Your questions answered 1. How do I submit business protection applications? You can quote and apply for our Business Menu Plan online 24 hours a day, 7 days a week. Paper applications can be sent to: Royal London, St. Andrew House, 1 Thistle Street...

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    Frequently asked questions

  • A quick checklist for reviewing income protection - Royal London for advisers

    ...their income protection or even to suggest to them the time is right to consider this type of cover. Our Menu Plan is flexible and can be adapted to suit your clients’ changing needs, so speak to us today about how we can help support your client protection conversations. *Source: Royal London State...

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    Personal

    Income protection

    Blog

  • Trusts - frequently asked questions - Royal London for advisers

    ...to a beneficiary after a 10-yearly charge has arisen. An example John took out a Royal London Business Menu Plan, which provided £300,000 of Life or Critical Illness Cover. He wrote this in trust on 4 Feb 2016. In 2014 he made a gift to a discretionary trust of £50,000. This created a chargeable lifetime transfer...

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    Frequently asked questions

    Trusts

  • Helping Hand - Royal London for advisers

    ...they need help. We’ll put them in touch with the dedicated nurse service available through Helping Hand. They’ll decide which member of their team is going to look after that person. The dedicated nurse will give them a call to get to know them. They’ll create a personal support plan to make sure each...

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    Helping Hand

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

    Why choose our Pegasus Whole of Life Plan? The benefits and uses of a Pegasus Whole of Life Plan are almost as varied as your clients. At its simplest it can be an ideal way to leave a lump sum for loved ones. Our Pegasus Whole of Life Plan is designed for your clients who are thinking about...

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    Whole of life

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

    A snapshot of our Pegasus Whole of Life Plan Do your clients still need convincing? Here are all the reasons why they should sign on the dotted line. Clients want peace of mind knowing their families or businesses will be taken care of if the worst were to happen. Our Pegasus Whole of Life Plan...

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    Whole of life

  • Back to work? - Royal London for advisers

    . Affordability Everyone is different. What we need, what we can afford and what protection plan is right depends on the life we lead. But a little protection is better than nothing and with menu plans now offering enhanced flexibility such as wider deferral period options and limited payment periods, there's...

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    Blog

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

    ...arrangement and become a beneficiary of these earlier trusts. The person covered can be a potential beneficiary and the trust won’t be treated as a gift with reservation. Having the person covered as a potential beneficiary means that if they were to leave the company, the plan can be assigned out...

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    Business

    Key Person Cover

    Loan protection

  • 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

  • Trust toolkit - Royal London for advisers

    ...life plan in trust. The plan owner, who is the employer, should complete the trust form and the person covered should complete the nomination form so that the trustees know who the beneficiaries of the plan are. If the person covered wants to change who their beneficiaries are in the future, or amend...

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    Trusts

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.