Helping Hand Benefit
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.
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.
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.
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.
If you have availed of joint life cover with accelerated serious illness and either person is diagnosed with a specific serious illness within the term of the policy, a payment is made, the serious illness portion of the policy ceases and the life sum insured is reduced by the amount of the claim.
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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