Royal London Life Insurance – Affordable, Trusted Protection for Your Loved Ones
Flexible Plans
FCA Regulated Broker
Customisable Policies
A Policy for Everyone
At Insured-Life, we help you compare and secure life insurance policies that meet your needs—and Royal London Life Insurance is one of the most popular choices in the UK. Known for its financial strength, flexible cover, and customer-first approach, Royal London offers protection that’s tailored for every life stage.
Whether you’re looking to support your family’s future, cover a mortgage, or ensure funeral costs are taken care of, Royal London’s life insurance can provide peace of mind when it matters most.
Why Choose Royal London Life Insurance?
Founded in 1861, Royal London is the UK’s largest mutual life insurance and pensions company. This means it’s owned by its members—not shareholders—so profits are reinvested for the benefit of policyholders. It’s no surprise that over 8 million people trust Royal London for their financial protection.
Here’s what sets Royal London apart:
- ✅ Highly Rated – Rated 5 Stars by Defaqto for its life cover products.
- ✅ Flexible Policy Options – Choose level, decreasing, or increasing cover.
- ✅ Free Terminal Illness Cover included as standard.
- ✅ Optional Serious Illness Benefit to boost your protection.
- ✅ Up to £500,000 cover available (depending on age and circumstances).
- ✅ 99.4% of life insurance claims paid out in 2022 – that’s over £631 million!
What Does Royal London Life Insurance Cover?
Royal London life insurance is designed to provide a lump sum payout to your loved ones if you pass away during the policy term. This can help cover:
- Mortgage repayments
- Household bills and living expenses
- Funeral costs
- Children’s education or childcare
- Debts and outstanding loans
You’ll choose how long you want the cover to last—between 5 and 50 years—and how much cover you need. The monthly premium is fixed for the length of your term, so you’ll always know what you’re paying.
Types of Life Insurance Available from Royal London
Royal London offers different types of term life insurance to suit your circumstances. Here’s a quick breakdown:
1. Level Term Life Insurance
- Your payout amount stays the same throughout the term.
- Ideal for family protection or interest-only mortgages.
2. Decreasing Term Life Insurance
- The payout reduces over time, typically in line with a repayment mortgage.
- Premiums are usually lower than level term cover.
3. Increasing Term Life Insurance
- Your payout amount increases each year to help keep up with inflation.
- Helps maintain the value of your cover over time.
💡 Need help choosing the right type? Speak to a protection expert at Insured-Life today.
Optional Extras with Royal London Life Insurance
Make your policy even more comprehensive with these add-ons:
✅ Serious Illness Benefit
Receive a lump sum if you’re diagnosed with one of the covered serious illnesses during your policy term. This can provide vital financial support when you need it most.
✅ Waiver of Premium
If you’re unable to work due to illness or injury, Royal London may cover your monthly premiums so your policy stays in place.
✅ Guaranteed Insurability
You may be able to increase your cover amount after life events like marriage, having children, or taking out a mortgage—without further medical checks.
Royal London Life Insurance – Key Policy Features
|
Feature |
Details |
|
Policy Term |
5–50 years |
|
Minimum Age |
18 years |
|
Maximum Entry Age |
70 years |
|
Maximum Cover Amount |
£500,000+ (depends on underwriting) |
|
Premiums |
Fixed (unless you choose increasing cover) |
|
Claims Paid |
99.4% of life cover claims paid in 2022 |
|
Medical Required? |
Not always – depends on age, health, and cover amount |
|
Joint Cover Available? |
Yes – perfect for couples or mortgage holders |
|
Funeral Benefit Option? |
Yes – add funeral benefit to help your loved ones financially |
Who Can Apply?
Royal London life insurance is available to UK residents aged 18 to 70. The application process involves a few basic health and lifestyle questions, and in some cases, you may be asked to undergo a medical or provide additional information.
Good news—many healthy applicants can be approved without medical exams.
How Much Does Royal London Life Insurance Cost?
Life insurance premiums depend on several personal factors, including:
- Your age
- Smoking status
- Health history
- Cover amount
- Policy term
- Type of cover
Here’s a quick example of estimated monthly premiums for a healthy non-smoker:
|
Age |
Cover Amount |
Term |
Monthly Premium |
|
30 |
£200,000 |
25 years |
From £6.50 |
|
40 |
£200,000 |
25 years |
From £11.30 |
|
50 |
£100,000 |
20 years |
From £15.90 |
📞 Call our expert advisers for a free quote tailored to your needs.
How to Make a Claim
Royal London aims to make the claims process simple and stress-free. If your loved ones need to make a claim, they can:
- Call Royal London directly on their claims line.
- Provide relevant documents (death certificate, policy number).
- Once approved, Royal London will pay out the benefit as a lump sum.
In 2022, Royal London paid 99.4% of life insurance claims—proof of their commitment to being there when families need it most.
Customer Reviews – What Real People Say
Royal London is consistently praised for its reliability and customer service:
⭐⭐⭐⭐⭐
“Excellent cover options and easy to set up. I feel much more secure knowing my family is protected.” – Paula, Trustpilot
⭐⭐⭐⭐⭐
“Claims were handled quickly and professionally. I couldn’t ask for better service.” – James, verified customer
⭐⭐⭐⭐⭐
“Royal London made it easy to understand what I was buying. Their advisers were helpful and honest.” – Ayesha, via Feefo
Why Buy Through Insured-Life?
At Insured-Life, we’re committed to helping you find the best life insurance policy at the best price. When you choose us to arrange your Royal London Life Insurance, you benefit from:
- 💬 Free expert advice – no obligation
- 💷 Competitive quotes
- 🕒 Quick and easy application
- 🛡️ Tailored policies to suit you
- 🤝 Trusted partner of top UK insurers
We compare leading insurers so you don’t have to—and we’re here to guide you every step of the way.
Get a Free Royal London Life Insurance Quote Today
Don’t leave your family’s future to chance. With Royal London Life Insurance, you can provide a financial safety net that lasts long after you’re gone.
Get a personalised quote in minutes. Speak to one of our friendly experts or use our online quote tool to see your options now.
Explore Our Life Insurance Services
Our life insurance process…
01
Needs Assessment
Tell us how much money you would need to financially protect your loved ones
02
We’ll Call You
We will call you to discuss your options and provide comprehensive free quotes
03
You’re Protected
You decide which policy to take and get protected today with no medicals or forms
Top Reasons to Choose Us
Comprehensive Coverage Options
Insured-Life.co.uk offers a wide array of insurance products, including life insurance, income protection, critical illness cover, mortgage protection, and over 50s life cover. This extensive selection allows you to find a policy that aligns with your specific requirements.
Access to Multiple Insurers
As an independent broker, Insured-Life.co.uk compares policies from a diverse panel of leading UK insurers, such as Legal & General, Aviva, and LV=. This independence ensures that you receive unbiased advice and competitive quotes tailored to your circumstances.
Additional Benefits and Services
Beyond standard insurance coverage, Insured-Life.co.uk provides extra services like placing your policy into trust at no additional cost, potentially protecting the payout from inheritance tax.
What Sets Us Apart
Safe Practices
Selling life insurance is about more than just policies—it’s about protecting futures with integrity and responsibility. Safe practices ensure that every client receives honest, transparent, and ethical guidance, helping them make informed decisions with confidence. From clear communication and accurate policy information to adhering to FCA regulationsand safeguarding personal data, trust is at the heart of everything we do.
FCA Regulated
At Insured-Life.co.uk, we are fully FCA-regulated, ensuring the highest standards of security, transparency, and ethical practice in life insurance. This means you can trust us to provide expert advice, fair policies, and protection that truly meets your needs. We work with leading UK insurers to offer reliable cover, giving you peace of mind that your loved ones will be financially secure.
Quick Policy Setup
At Insured-Life.co.uk, we make getting life insurance fast, simple, and stress-free. With our quick policy setup, you can secure the protection you need in just minutes. No lengthy paperwork, no complicated processes—just straightforward cover designed to give you peace of mind.
Get a quote, choose your policy, and enjoy the reassurance of knowing your loved ones are protected.
TESTIMONIALS
Hear from Our Customers
B Grant
Excellent customer service
Excellent customer service. Spoke to Daniel and he was so professional and knowledgeable which was reflected in the information he gave me. Detailed information I must add. I felt at ease throughout the call and never once did I feel I was being pressured to open a policy. It was my decision.
Lesley Phillips
I knew I had to take out a life policy…
I knew I had to take out a life policy for my husband and myself to cover funeral costs but kept putting it off .
Anastasia called us back as requested and guided us through the application. Thank you for making it easier than we thought so informative and helpful giving us the policy that was exactly what we asked for.
Highly recommended
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
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