Helping Hand Benefit
If you are diagnosed with a terminal illness and have less than 12 months to live, Royal London will pay the full amount of Life Cover as of the date of diagnosis.
A terminal illness is an illness where, in the opinion of the attending Consultant and Royal London's Chief Medical Officer, you will not survive the next 12 months.
If a child of yours dies during the term of your policy, a sum of €5,000 will be paid out.
All of your children between the ages of 3 months and 18 (21 if he/she is in full-time education) are covered during the term of the policy.
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 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.
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.
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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