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 advance life cover 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 Life Cover 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.

The death of a child is certainly not something anyone likes to think about,especially when it is your own child. If Life Cover is included as part of your policy, a sum of €5,000 will be payable if a child of yours dies during the term of the policy. All of your children, from the age of 3 months until their 18th birthday (21st birthday if in full-time education), are covered during the term of the policy.

Children are also covered for the same specified illnesses as the policyholder subject to a maximum of €25,000 for full payment illness and €7,500 for partial.

The child cover applies between the ages of 3 months and 18, or 21 if in full-time education.

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.

In the event that you are diagnosed with a terminal illness and have less than 12 months to live, we will pay the full amount of your Life Cover as at 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 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.

Royal London will pay up to €20,000 of that cover immediately should you be diagnosed as needing any of the following surgeries and have given us the evidence we need about the condition:

• Aorta Graft Surgery
• Coronary Artery Bypass Graft Surgery
• Pulmonary Artery Surgery
• Heart Valve Replacement or Repair.

This benefit will provide cover in the event that you
donate a living organ to a family member.

We will pay €2,500 to the family member who has received the living organ as a one-off cash lump sum if you donate one of the following:

• Kidney; or
• Portion of liver; or
• Portion of lung; or
• Bone marrow.

The first month premium comes free, with you choosing a fully flexible policy start date.