RL360 term life cover product LifePlan sales angles

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Life made easier

Recommending life cover becomes simpler when you have a plan that covers all key options, adapts to circumstances, and is future-proof. 


LifePlan is as flexible as life itself: one-stop cover that can blend whole of life and term life cover, while carrying some valuable and relevant extras too. It’s also a living plan, arranged to take account of changing conditions. So once your clients are covered they can forget about their personal insurance needs, and concentrate on living. 


Here are some of the main features you can mention to persuade suitable clients to invest in LifePlan. Truly, a life cover less ordinary.


Flexible structure

Protection for the short and long-term

You can arrange term cover alongside whole of life for a specified period. This way, your clients can have additional cover during the anticipated term of a mortgage or loan, and still have a healthy lump sum for the family on death. And, of course, the combined payments can be significantly cheaper than a traditional whole of life, with payments made for life.


Limited payment term

Tell your clients they’ll receive their whole of life benefit, without having to pay for the whole of their life. They choose the payment term, stop paying at their chosen age, and still have a fully funded plan in place – even if they live to 100 (or beyond).


Family-friendly flexibility with guaranteed insurability option

If your clients’ circumstances change in the future – with a marriage or a new child – they may be able to increase their cover without medical underwriting, with our guaranteed insurability option.



Free and simple switching

We don’t charge to change funds, so your clients can switch between sectors and themes as frequently as they decide. And they won’t pay any initial charges from the fund manager, either. This can even be done online.