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Royal London Added Benefit – Helping Hand by Red Arc in Action

Our Client

We were approached by Mr C, a 45-year-old non-smoker who wanted to arrange some life insurance. He needed the cover to provide financial protection for his family should he pass away before reaching retirement age.

At the time of his application, he was in relatively good health. Therefore he was able to obtain a level term assurance policy with a sum assured of £100,000 until his 70th Birthday.  For a monthly premium of £16.37 with Royal London.

However, for a marginally lower premium, he could have obtained the same level of cover elsewhere. When we explained the importance of added benefits to him and his family, he chose the insurer whose additional benefits most appealed to him. Royal London provides ‘Helping Hand’ by Red Arc, a free support service to their clients who arrange cover through an adviser.

Helping Hand by Red Arc in action

Soon after taking out his Royal London policy, Mr C tore the muscle in his Achilles heel which caused him a lot of pain and interfered with his day-to-day routine. The NHS put him on a long waiting list for Physiotherapy, but fortunately, he remembered that he had access to Helping Hand via his life insurance policy.

After contacting Helping Hand to explain his problem, a nurse from Red Arc contacted him within 24 hours to arrange free physiotherapy sessions at his local clinic whilst he awaited his NHS referral.

Helping Hand provide additional benefits such as:

  • Second medical opinion
  • Oncology support
  • Cardiac rehabilitation
  • Speech and language therapy
  • Bereavement counselling
  • Practical help at home
  • Help for careers

Your Benefits

Many insurance companies offer excellent additional benefits to their policyholders.  To find out about what you might be entitled to, click HERE to read more about Helping Hand, Best Doctors and Global Treatment.

We will be happy to help you find out which benefits you are entitled to as part of your policy if you are unsure.

If you are interested in arranging life insurance, income protection insurance or critical illness insurance it really can pay to take expert advice.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

All our case studies are based on actual client scenarios, many of which pre-date 2020. We are confident that the acceptance decision made by the insurers would still be offered. Although it is likely that the rates will have changed, your own circumstances will determine whether what amount will be payable by you and would be fully discussed with you before any plan is implemented.

Next steps

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.


Please feel free to read our Independent client reviews, or read about the team at Future Proof

Jon’s moving story – being diagnosed with cancer

The protection industry pays out over £5.7bn in claims in 2019

What questions will an adviser ask me?

Will my claim be paid?

Why you can trust Future Proof.

The benefits of an index-linked insurance policy

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Links to third-party websites exist for information only, and we accept no responsibility or liability for the information contained on any such sites.
The existence of a link to another website does not imply or express
endorsement of its provider, products or services by us or St. James’s Place.

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