Royal London Life Insurance

Critical Illness Cover

Pays a lump sum, or a monthly income to the end of the term, if you are diagnosed with a covered critical illness or total permanent disability. More on our critical illness cover page.

Income Protection

Pays a monthly amount if illness or injury stops you doing your job, on Royal London's definition of incapacitated. See income protection for how deferred periods change the cost.

Life or Critical Illness Cover

One benefit that pays on whichever happens first, death or a covered critical illness. Cheaper than buying both separately, but it pays once and then ends.

Waiver of Premium

Optional. Royal London pays your monthly payments if you cannot work through illness or injury and you meet its definition of incapacitated.

A dedicated RedArc nurse

For serious physical injury, mental illness, disability or bereavement. The nurse tailors support for as long as you need it, and can arrange counselling, second medical opinions, home care or mobility equipment. Support is available even before a condition is diagnosed.

24/7 GP access

Video, phone or message consultations through HealthHero, useful when your own surgery cannot fit you in.

Mental wellbeing app

Thrive gives recommendations to help prevent, detect and manage common mental health conditions.

Physiotherapy advice

TrackActiveMe helps identify a physical injury and gives you personalised exercises to support recovery.

Personalised health report

LiveSmart reports on your nutrition, fitness, sleep, mental wellbeing and brain function.

Legal, career and medical helplines

Independent professionals for employment rights, wills and probate, or getting back into work after a health change or redundancy.

98.4%

of all protection claims paid in 2025

£821m+

paid out to customers in 2025

62,412

claims paid to customers in 2025

94.2%

of term life insurance claims paid in 2025

Families who want support before a claim

Helping Hand is available from day one and extends to your partner and children. If someone in the household is likely to need a nurse, a therapist or a second opinion, that has real value now, not only after a diagnosis.

People buying several covers at once

The menu structure puts life, critical illness and income protection on one plan, which keeps the admin and the plan fee in one place.

Not the right fit

If you want to buy online without an adviser, or you are over 88, this is not available to you. If you want any cash value at the end, this plan has none, and never will.