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Convertible Standalone Serious Illness (with Indexation)

Helping Hand Benefit
About the Policy
  • The Royal London Mutual Insurance Society Limited
  • A lump sum will be paid out if you are diagnosed with one of the specified illnesses covered under your policy - you will have full cover against 50 specified serious illnesses and partial cover against a further 20 specified illnesses
  • Partial payment is up to €15,000 or 50% of your specified serious illness cover as of the date of diagnosis, whichever is lower
  • Your policy is suitable for family protection and business protection

Features

Childrens Specified Illness Cover

Pays 50% of the Specified Illness lump sum to a maximum of €25,000 if one of the life insured’s children aged between 1and 18 years of age (or up to age 21 if they are in full time education) is diagnosed with a specified illness.

Convertible

This option allows you to convert your cover to another policy without having to provide new evidence of health. You can use this option at any point over the course of your policy, up until the age of 70.

(If you are on a Joint or Dual policy, you can use this option up until the oldest person on the policy turns 70).

Indexation

Indexation ensures that your cover increases by 3% and your premium increases by 4% each year. This helps to protect the real value of your cover as time passes.

Serious Illness

If you are diagnosed with one of 51 specified serious illnesses during the term of your policy, a lump sum will be paid out. You will also be covered under Partial Payment Specified Serious Illness Cover for an additional 22 specified illnesses.

A full list of illnesses covered is listed here

Helping Hand Benefit

Helping Hand Benefit gives you one-to-one personal support from your own Nurse Adviser from Red Arc, in order to help you and your family manage the effects that illness or bereavement can have. (In this context, ‘family’ means the spouse or partner of the Royal London Life assured and his/her children).

With over 15 years experience, Red Arc has a reputation for excellent service and can help with the provision of bereavement counsellors, speech and language therapists, face-to-face second medical opinion and more.

Special Events Increase Benefit

With this, you can increase the level of your cover without providing any medical evidence, following any of these events:

  • Your mortgage increases, either due to the purchase of a new main residence or the improvement of your main residence
  • You get married
  • You have or adopt a child
  • The maximum increase you can make following any one of these events is the lower of €100,000 and 50% of the original level of cover for that benefit
  • This option ends at aged 55 years old or in joint policies when the older person reaches 55 years old.

Quotation is valid for 7 days or until age next quarter (whichever is sooner). This quotation assumes that you are accepted by the insurance company at standard rates. Royal London Non Smoker rates assume that you have not smoked or used any tobacco related products or nicotine replacement in the last 12 months. All premiums quoted include the 1% government levy. The minimum premium with Royal London is €15.15 per month or €181.80 per annum.

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