With a flexible policy start date to suit your needs, this Royal London mortgage policy comes with the first month free, subject a signed direct debit and application declaration. Specify your start date, to occur within 30 days of application return, secures your first month free.

 (Please note that where you request quoted premium confirmation, prior to providing your bank details, and allow 30 days to then elapse, the free month will not apply).

Royal London Ireland is owned by The Royal London Mutual Insurance Society Limited – the largest mutual life insurer in the UK and in Ireland in 2021 they paid put over 43 million in Claims.

Instant TLC is a unique service that provides temporary Life Cover for up to four weeks during the application and underwriting process.

So, for no extra cost, you’re protected even before your policy officially starts.

You can get Instant TLC for the sum assured applied for, up to a maximum of €500,000 across all
applications. It’s available on all new applications for Life Cover for customers aged 60 or below.

If a child of the lives assured dies during the term of your policy, a sum of €5,000 life cover will be paid out. All of your children between birth to 18 (or 21 if he/she is in full-time education) are covered.

This allows you 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 the case of dual cover policies when the older person reaches 55 years old.

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.

For mortgage protection policies, where 2 people are involved, and where serious illness has not been chosen in addition to the life cover, Royal London allows dual life cover benefits for the same price as their joint life cover benefits.

Royal London will pay an advance payment of the cover in place, up to the value of €10,000, to cover Funeral Director Costs. This payment can be made to the Funeral Director directly or to the Executor(s) of the estate.

This is an automatic additional benefit. You have 100 days to reinstate your policy after your first missed premium payment.

Furthermore, it can be reinstated even if a claim has arisen.