Benefits of Life Insurance from Royal London:

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. 

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.

How is Royal London different from other 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's Dual Life Cover:

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.)

Royal London's Helping Hand Service:

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: Life Insurance

 

Feature Answer
Minimum Premium: €15.15 per month
Minimum / Maximum Term 5 years / 51 years (depending on age)
Are children covered? Yes, for €5,000
Can I put my partner on the policy? Yes, Dual Cover is also available, for same price as Joint
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
  • 74 for Specified Illness Cover

Specific Illnesses Covered?

  • Yes
  • 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)
  • Max age for Conversion is: 65

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

 

Feature Answer
Minimum Premium: €10.10 per month
Minimum / Maximum Term 5 years / 40 years (depending on age)
Are children covered? Yes, for €5,000
Can I put my partner on the policy? Yes, Dual Life Cover is also available, for the same price as Joint.
Applicants must be: 18-74 for beginning a mortgage protection policy.
Cover expires at:
  • 89 for Life Cover
  • 74 for Specified Illness Cover

Specific Illnesses Covered?

  • Yes
  • 53 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)
  • Maximum age for conversion option: 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

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.

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