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Helping Hand Service

Helping Hand service Offers one to one personal support from an independent, qualified nurse advisor.
Helping Hand is provided through our partners RedArc who can help you and your family cope with the devastating effects that illness or bereavement can have.

With 20 years experience, RedArc has earned a reputation for service excellence, supporting individuals and their families through serious illness, chronic health conditions, bereavement and disabilities.

Whilst your medical team focus on your treatment, RedArc helps by providing ‘softer’ skills – a friendly listening ear, practical information, and much needed emotional support both for you and your family. (When we say ‘family’ we mean the spouse or partner of the Royal London Life assured and their children)

Helping Hand may also arrange specialist therapy to help speed up recovery, if appropriate.

• Bereavement counsellors or
• Speech and language therapists or
• Face to face second medical opinion or
• Complementary therapies or
• Massage or
• Physiotherapy for serious health conditions

These ancillary specialist therapies are only provided if recommended by your personal nurse advisor and only for a limited time. You don’t have to make a claim to use Helping Hand. You can use the service whenever you need it to get you through life’s major challenges.

Helping Hand is available to you, your spouse or partner and your children as soon as your policy starts. Helping Hand is provided at no extra cost to you. Helping Hand is an additional service offered with all new Royal London policies. The service can be removed or amended at any time

FUNERAL PAYMENT HELPING HAND FEATURE

The death of a loved one is always a traumatic time. But, in the midst of the grieving process, a funeral needs to be arranged and ultimately paid for. Whilst most life assurance claims are paid immediately after acceptance of the claim, sometimes there is no remaining legal owner of the policy and payment must wait until ownership is determined. This is done by means of a grant of probate. This process can take a long time to complete. In such cases, the probate process must be complete before we pay out the full claim.

Our research indicates that, on average, it takes 489 days to receive a grant of probate in Ireland.* This could cause a significant impact to your family’s financial position during the intervening period. This means that even though you have taken positive measures to protect your family financially, if you were to pass away there may not be immediate funds available to pay for a funeral. Royal London’s Funeral Payment Helping Hand feature can help to bridge that gap.

Our Funeral Payment Helping Hand feature is simple. Royal London will pay for Funeral Director costs where we accept a death claim but payment is delayed due to probate. We 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. The Funeral Director costs will then be deducted from the lump sum the policy will provide, as soon as a grant of probate has been achieved.

Also Included Free of Charge

Terminal Illness Benefit
(Prepayment of Life Cover)
If Life Cover is included as part of
your 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

Children’s Life Cover
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.

Anthony was very helpful, explained cover and options clearly and it was overall a hassle free way of arranging life cover. Would highly recommend contacting low cost life cover if you are looking for life insurance. ?
Karen Mc Williams