Life Insurance Recommendation

Term Life Insurance - Royal London

Term Life Insurance from Royal London Ireland pays out a tax-free lump sum if you die within the term of the policy and comes with a host of complimentary added benefits.

Two person - dual life policies grant separate pay-outs and the policy also provides the flexibility to increase your cover free of fresh medical information in the future.

The policy is suitable for family protection needs and includes the first month free.

Life Insurance

Complimentary Additional Benefits

Helping Hand is available to use from the day your policy starts – not just when making a claim. It doesn’t cost anything extra to use and your partner and children can use it too.

Some of the ways in which Helping Hand could benefit you:

  • face-to-face second medical opinion
  • speech and language therapists
  • oncology nurses
  • physiotherapy
  • cardiac rehabilitation support
  • complementary therapies
  • massage and reflexology
  • the provision of bereavement counsellors


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.

This is also known as Guaranteed Insurability, this benefit provides the option to increase your level of Life Cover and/or Specified Serious Illness Cover, without providing further medical evidence, following any of these events:

  • Increase in your mortgage, either to purchase a new main residence or for home improvement of your main residence
  • Marriage
  • Birth or adoption of 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.The maximum total increase you can make for all events over the policy term is the lower of €200,000 and the original level of cover for that benefit.This option ends when you reach age 55, or when the older person reaches age 55 for a Joint Life policy.

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.

For life insurance claims which are accepted, but delayed due to probate, Royal London will now provide an advance payment of up to €10,000 to cover funeral costs of the deceased. This feature is limited to death claims and only covers Funeral Director costs.

If you miss payments for what ever reason you won’t come off cover for up to 100 days and can then choose to reinstate your cover by covering your missed payments.

Once your policy is ready for release your first months coverage is provided absolutely free.

Optional Added Features

Where chosen, 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 86. (If you are on a Joint, or Dual policy, you can use this option up until the oldest person on the policy turns 86). The maximum age to extend cover is to age 91 next birthday, the highest on the Irish market.
Where chosen, Inflation Protection 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.

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