Benefits of Royal London Life Insurance

Royal London Insurance DAC offers a great range of competitive, well-designed products. They provide personal protection insurance plans to protect homes, families, and businesses in the event of death. 

How Royal London is different from other life insurers

Under standard terms, Royal London can provide extremely competitive quotes. They include their Helping Hand service as an additional benefit with all policies. They’ve recently launched their Funeral Helping Hand feature, releasing funds ahead of probate to assist with immediate funeral costs.

Royal London also offers Dual Life cover for the same price as Joint Life cover. (Dual Life cover is not available for Mortgage Protection policies with Specified Serious Illness.)

Helping Hand can offer: 

  • Bereavement Counsellors
  • Speech and language therapists
  • Face-to-face medical 2nd opinion
  • Complementary therapies
  • Massage
  • Physiotherapy for serious health conditions

These ancillary specialist therapies are only provided if recommended by your personal nurse advisor, and then only for a limited time.

Helping Hand services are available regardless of which policy is chosen, and whether or not a claim is made. This is at no additional cost to you, but as an additional benefit, these features may change over time. 

Royal London offer some of the best options for life insurance in the Irish market, and are well worth considering when getting quotes for your life insurance policy.

Talk to us today about your Life Insurance Questions

If you have any questions regarding Royal London Life insurance products please feel free to contact us on the chat box below or call Debbie on 01 8532727. She can help talk you through the features of the Royal London Life insurance product range.


Royal London Life Insurance
FeatureAnswer
Minimum Premium:€15.15 per month
Minimum / Maximum Term5 years / 51 years (depending on age)
Are children covered?Yes, for €5,000
Can I put my partner on the policy?Yes
Applicants must be:18-74 for beginning a Life Cover policy (policies with indexation cannot be taken out after age 65 next birthday)
Cover expires at:
  • 91 for Life Cover
  • 74 for Specified Illness Cover

Specified Illnesses Covered?

  • 52 full payment illnesses/conditions
  • 33 partial payment illnesses/conditions
  • For Coronary Angioplasty, (of specified severity), the partial payment will be €50,000 or 50% of cover

Children’s Specific Illness Cover? Yes

  • The lower of €25,000, or half your cover, on full payment illnesses
  • The lower of €7,500, or half your cover, on partial payment illnesses

Is there a Conversion option? Yes (for Life Cover Policies only)

  • Max age for Conversion is: 55 years

Rolling Conversion Option? No

Optional Flexibility? No

Guaranteed Insurability? Yes, maximum age 55 years

Reinstatement? Yes

Temporary Accidental Death Benefit? No

Terminal Illness Benefit? Yes

Waiver of Premium Option? No

Other Benefits? Royal London Medical 2nd Opinion Service


Royal London Mortgage Protection
FeatureAnswer
Minimum Premium:€10 per month
Minimum / Maximum Term5 years / 40 years (depending on age)
Are children covered?Yes, for €5,000
Can I put my partner on the policy?Yes
Applicants must be:18-74 for beginning a Life Cover policy (policies with indexation cannot be taken out after age 65 next birthday)
Cover expires at:
  • 90 for Life Cover
  • 75 for Specified Illness Cover

Specified Illnesses Covered?

  • 52 full payment illnesses/conditions
  • 33 partial payment illnesses/conditions
  • For Coronary Angioplasty, (of specified severity), the partial payment will be €50,000 or 50% of cover

Children’s Specific Illness Cover? Yes

  • The lower of €25,000, or half your cover, on full payment illnesses
  • The lower of €7,500, or half your cover, on partial payment illnesses

Is there a Conversion option? Yes (for Life Cover Only Policies only)

  • Max age for using Conversion is: 70 years

Rolling Conversion Option? No

Optional Flexibility? No

Guaranteed Insurability? Yes, maximum age 55 years

Reinstatement? Yes

Temporary Accidental Death Benefit? No

Terminal Illness Benefit? Yes

Waiver of Premium Option? No

Other Benefits? Royal London Medical 2nd Opinion Service

Mortgage Protection Guide Cover

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Whats Included:

Different types of mortgage protection policies.

Where to buy mortgage protection.

Features of each seller & much more.

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