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ActiveQuote Global Reach, Dunleavy Drive Cardiff South Wales CF11 0SN 0800 862 0373

Royal London Life Insurance | ActiveQuote

Date Reviewed:  16.05.2019


What is the minimum acceptable age at commencement when applying for Royal London Life Insurance?

The minimum age at entry is 18 attained.


What is the maximum age attained at the commencement of insured for Royal London Life Insurance?

The maximum age at entry is 70 attained.


What is the minimum policy term for Royal London Life Insurance?

The minimum term is 5 years.


What is the minimum sum assured for Royal London Life Insurance?

The minimum sum assured is £10000.


What is the maximum sum assured for life cover only and where accelerated CIC is included for Royal London Life Insurance?

You can have Level-Cover cover up to £500000 and a total of £500000, across all life insurance policies you have with us.


Is there an additional critical illness cover for Royal London Life Insurance?

Serious Illness Benefit is an optional cover. You'll pay an additional premium for Serious Illness Benefit and this will be included in your monthly payment.

If you choose Serious Illness Benefit, you'll also choose the amount of cover you have when you take out a policy. We call this the Serious Illness Payout.

Your policy schedule will show your Serious Illness Payout.

Your Serious Illness Payout can't be less than £1,000, and the maximum amount of cover you can have depends on your age.

Age Serious Illness Payout up to

  • 18 - 44 £350,000
  • 45 - 49 £275,000
  • 50 - 70 £125,000


Serious Illness Benefit will remain in place until the end date shown on your policy schedule unless we pay a Life Cover claim before this date. If we make your Serious Illness Payout, your Serious Illness Benefit will end but your Life Cover will continue, and you must carry on making monthly payments.


What is the minimum acceptable monthly premium for Royal London Life Insurance?

The minimum monthly premium is £7.00.


What are the additional benefits with Royal London Life Insurance?

Fracture CoverNot available.

Donor CoverNo

Other benefits – Payment holiday

If you'd like to take a break of up to 6 months from making your monthly payments, please call us on 0345 600 7788 to talk about your options. At any time after the first year of your policy you can ask us for a payment holiday.

You can only take up to 2 payment holidays and these must be at least 12 months apart.

For your policy to continue after each holiday you'll have to make up the missed payments or reduce your payout amount, and start making your monthly payments again.

Sum assured in instalments - The sum assured is payable as a lump sum unless the Family Income benefit plan is chosen, then the benefits will be paid as monthly instalments.

Large case discount availableNot available.


What is the total number of critical illnesses conditions covered by Royal London Life Insurance?

There are 4 critical conditions covered, as outlined below:

  • Cancer but not early-stage cases
  • Heart attack where your heart becomes less efficient as a pump
  • Stroke which causes permanent damage to your nervous system
  • Multiple sclerosis with persisting symptoms
  • Benign brain tumour requiring treatment or causing permanent damage to your nervous system
  • Dementia resulting in permanent symptoms


What are the exclusions applicable to critical illness cover with Royal London Life Insurance? 

There are no exclusions for critical illness.


Would I be excluded from Royal London Life Insurance if

  1. I worked in armed force - The plan does not cover members of the Armed Forces, the Territorial Army or Reservists.
  2. Had a pre-existing conditionThis is not excluded.


Are there Virtual GP Services for Royal London Life Insurance?



Are there any claims support services for Royal London Life Insurance?

Not available.


What can you get in terms of Health & wellbeing services with Royal London Life Insurance?

Not available.


To find out more about Royal London and our other Life insurance providers call us today on 0800 862 0373 or get a quote now 

* Information about the Royal London Life Insurance product is provided by Defaqto and is correct as of the review date stated


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