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Royal London Life Insurance

Royal London is a top provider of life insurance. They offer a range of products for individuals and businesses, helping with critical illness cover, income protection, and more. Royal London was founded in 1861 and has been serving customers ever since.


Is Royal London Life Insurance Good?

Royal London is a respected life insurance provider, chosen by many people. They are the largest mutual life and pensions company in the UK, with more than 5 million policyholders and half a million members.

The life insurance products offered by Royal London include:

  • Life Cover
  • Over-50s Life Insurance
  • Whole Life Cover
  • Critical Illness Cover
  • Children's Critical Illness Cover
  • Income Protection

Royal London life insurance is rated fairly well by customers, receiving an average score of 4 out of 5 on Trustpilot, and 4.7 out of 5 on Feefo. They have a Platinum Trusted Service Award from Feefo, meaning that they have been awarded a Gold Trusted Service Award for three years in a way, showing they provide exceptional levels of service. On Fairer Finance, Royal London receives a customer experience score of 71%.

Royal London costs as little as £7 per month and includes terminal illness cover at no extra cost. The monthly payment can be reduced at any time to the minimum amount, making it easy to manage the cost. You can quickly get a quote for Royal London life insurance to see what options they offer.

What Does Royal London Critical Illness Cover?

Royal London's Critical Illness Cover product is a life insurance product that covers you if you are diagnosed with a critical illness. A critical illness includes a broad range of medical conditions under the Royal London definitions. Critical Illness Cover pays out a lump sum or monthly income if you are diagnosed with a critical illness or total permanent disability. You can choose how much cover you want and whether you want to combine it with other types of cover, as well as take it out alone or with a partner.

Critical Illness Cover from Royal London covers 47 critical illnesses. These include common conditions, such as cancer and heart disease, including heart attack and stroke. There are also 20 additional illnesses that are covered, which result in a payout of 25% of the cover amount up to £25,000. The Critical Illness Cover product from Royal London also comes with their "Helping Hand" support, which provides access to a dedicated nurse.

What Is the Royal London Enhanced Children's Cover?

As well as Critical Illness Cover for adults, you can choose to add Children's Critical Illness Cover to your insurance policy with Royal London. This type of insurance cover is designed to pay out if your child becomes critically ill. If you make a claim for your child, it doesn't affect your own level of insurance cover.

Royal London offers two levels of critical cover for children. These are Standard Children's Critical Illness Cover and Enhanced Children's Critical Illness Cover. When choosing Standard Cover, children from birth to age 21 are covered for the same number of primary conditions as adults (47), plus total permanent disability (50% of the total amount of Critical Illness Cover up to £25,000).

The Royal London Enhanced Children's Critical Illness Cover offers a higher level of cover for your children. As well as the 47 main critical illnesses and total permanent disability at 50% of the total amount of the cover up to £50,000, children from birth to age 21 are also covered for 13 child-specific critical illnesses. In addition, they are also covered for the 20 additional conditions available with the Critical Illness Cover (25% of the amount up to £25,000). The cover also includes terminal illness and the death of a child, paying £5,000. Pregnancy complications are covered too, with £5,000 paid out for each pregnancy affected by complications.

Summary of Royal London Life Insurance

Royal London's life insurance options offer a range of choices to help you find the right insurance cover. In addition to options such as Over 50s Cover and Income Protection, you can explore their Critical Illness Cover options, which includes the option of adding Children's Critical Illness Cover to help protect your family. Royal London is one of the most popular and largest insurance companies in the UK, making them both a trusted and affordable option. Their extra assistance from their Helping Hand service makes their insurance cover a great choice for those looking for protection for their family.

Discount Life Insurance…Why Use Us

We are an online advice service and as such have little overheads which enables us to give away more commission enabling us to me extremely competitive on price.

Having said all this, life insurance is not always about price and there are differences in the types of cover offered by providers. So we also provide an “advised sale” which means that we take on responsibility to make sure the policy you take is the right one and the most suitable for your circumstances.

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Our Happy Customers

The standard of service was first class. They kept me up to date with progress on my Relevant Life Policy, followed up promptly following delays caused by my medical practice being slow in compiling reports, and responded instantly and clearly to any questions I had.

- T Arnot

Everything was made very easy to understand. The quotes were the cheapest we found too. Very happy!

- P Law

We received a brilliant service from the team. We would be happy to suggest them to anyone for business insurance.

- Sam Harris

Jody was very helpful and got us the best price for what we wanted. We would highly recommend him to others.

- Jason Conor

A great brokerage for those looking for business protection. We would recommend them highly for business protection and personal insurance.

- Jane L

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