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You searched for the term personal menu plan Your search returned the following 40 results...
 
  • Personal protection - Royal London for advisers

    Tailor your clients' protection cover with our Personal Menu Plan With our Personal Menu Plan you can mix and match a range of covers and benefits with different sums assured and plan terms to tailor the cover that suits your clients' needs and budgets. The cover available from our Personal Menu...

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    Personal

  • 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

  • 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

    ...

  • 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

  • Our products - Royal London for advisers

    Our products There's something for everyone in our range of 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...

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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...

  • Making menu conversations simple - Royal London for advisers

    ...completed their application, so they’re protected even before their plan starts or they’ve paid a premium. The cover available on our Personal Menu Plan can change with your clients. So if it’s protecting their mortgage, family, or the lifestyle they’ve built – we’ve got it covered. All with just one...

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    Campaign

  • 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

  • Business protection opportunities - Royal London for advisers

    500 and we’ll help you. Growing your cash flow Business protection can be a great way to create more revenue for your business, as these plans tend to have larger case sizes. In 2021, our average annual premium for a personal menu plan was £462.10, while the average for a business menu plan...

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    Business

  • Setting up a business protection plan - Royal London for advisers

    , a limited company or a partnership. If a sole trader is the key person, then personal protection may be more suitable. But, if the sole trader employs a key person or has a bank loan, they may want to consider business protection.  For limited companies, a plan would be taken out on the lives...

  • Menu plan of protection benefits - Royal London for advisers

    Menu plan of protection benefits How can dividing an individual’s protection cover between different products, using a menu-based format, prove to be advantageous? A menu-based product can help to cater for lifestyle changes such as marriage, divorce, and promotion or moving. Menu plan CPD...

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    Information and guidance

    Life Cover

    Critical Illness Cover

    ...

  • 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

  • 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

  • Reasons why builder - Royal London for advisers

    ...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 tool to identify the reasons why your client should choose key person, loan or ownership protection. Reasons why...

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    Reasons why

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

    ...self-inflicted injury as defined in our plan details. It's the result of an exclusion shown on the cover summary. The person covered no longer meets the definition of incapacitated in our plan details. Medical or other evidence is not supplied when we ask for it. Terms and conditions For full terms and conditions see our Business Menu Waiver of Premium (Sickness) plan details.

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    Business

    Waiver of Premium

  • 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...

  • 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 - Royal London for advisers

    ...be available soon to customers with an existing Menu Plan. Helping Hand is included with all our advised protection plans. It's there for clients, whichever stage in life they're at, and as a plan owner it doesn't cost them anything extra to use. Being able to offer your clients a holistic...

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    Helping Hand

  • A Helping Hand for business - Royal London for advisers

    A 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. As well as access to a range of online wellbeing services, clients who choose a Business Menu Plan can also get support...

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    Helping Hand

  • Beneficiary nomination - frequently asked questions - Royal London for advisers

    ...to write covers separately for each individual under a menu plan? No, you can still apply for this combination of covers on the lives of different people. As long as the person covered for each cover is also the plan owner, each person can then nominate their own beneficiary. If a couple separates...

  • During your client meeting - Royal London for advisers

    ...you promote the financial benefits of trusts as well as support in finding the right trust for your clients. Value of menu tool Use our menu tool to show clients how a menu plan can be tailored to their needs and budget, as well as offering more opportunities to claim.

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    Tools and support

  • Protection tools and calculators - Royal London for advisers

    Tools for protection Our marketing tools can help you build stronger relationships with your clients. Featured tools Value of menu tool  Tailor a menu plan to your clients' needs and budget. Find the right trust  Identify the right trust structure for your client. Pre-sale underwriting tool...

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    Tools and support

  • 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

  • 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 2022/2023 £1,000 £500 Nil 2021/2022 £1,000 £500 Nil 2020/2021...

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    Rates and factors

  • 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

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

    ...to be important. So I arranged an appointment with a financial advisor to come in and talk to us about some of the options that were available to us. Your financial advisor actually recommended taking out life cover and critical illness cover within the same business menu plan. Do you feel...

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    Life Cover

    Critical Illness Cover

    Income protection

    ...

  • 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

    ...

  • 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

  • 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

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

    ...we start paying their premiums.  Reassurance - we automatically include Waiver of Premium (Sickness) when your clients take out Income Protection.  Helping Hand - all our Personal Menu Plans come with our Helping Hand support service.  Get a quote or find out more information Get a quote Product...

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    Whole of life

  • Protection conversations for existing customers - Royal London for advisers

    ...you first arranged your client's mortgage and life cover, it may well have been that their priority lay with buying a new home and perhaps cost was an issue for looking into further protection or they maybe thought that the reason for taking out a menu plan would never happen to them. 1:04...

  • Income Protection for tenants and their families - Royal London for advisers

    ...of protection covers Life Cover Critical Illness Cover Life or Critical Illness Cover Children's Critical Illness Cover Income Protection Waiver of Premium (Sickness) Our menu tool lets you compare the value of income protection as part of our menu plan with the traditional protection approach. Sources: 1 UK private rented sector: 2018. Ons.gov.uk  2 Hymans Robertson, Protecting generation rent, September 2019 3 Knight Frank’s Multihousing 2019 report...

  • 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

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

    ...details. Making a claim whilst abroad Claims for Children’s Critical Illness Cover can 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...

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    Critical Illness Cover

    Business protection

  • 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

  • A to Z (Protection) - Royal London for advisers

    plan B Bereavement support payments Business protection - A guide Business protection - Companies - Key person protection Business protection - Companies - Tax implications Business protection - Key person insurance - Case study Business protection - Loan protection Business protection - Partnership...

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    Income protection

    Key Person Cover

    Business covers

    ...

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

    ...then give us their bank and GP details if we need them, and submit the application to us. 7. Are there any restrictions to what type of application I can submit over the Internet? No, you can submit applications online for Personal Menu, Business Menu, Relevant Life and Pegasus Whole of Life plans...

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    Frequently asked questions

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.