{"id":890017,"date":"2026-04-12T23:40:14","date_gmt":"2026-04-12T23:40:14","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/890017\/"},"modified":"2026-04-12T23:40:14","modified_gmt":"2026-04-12T23:40:14","slug":"royal-london-broadens-income-protection-reach","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/890017\/","title":{"rendered":"Royal London broadens income protection reach"},"content":{"rendered":"\n<p>Royal London has refreshed its Income Protection occupation classes to reflect changing working patterns, including freelancing, gig work and multiple jobs.<\/p>\n<p>The provider said the changes recognise that modern careers no longer follow a straightforward, linear path and are designed to better support individuals whose working lives span a range of roles and arrangements.<\/p>\n<p>Following a review of its proposition, Royal London has improved terms for more than 700 occupations.<\/p>\n<p>It has opened up terms for 545 roles and reduced pricing across 162 occupations, allowing a broader range of professions to access more competitive cover.<\/p>\n<p>However, the review also identified around 70 occupations where risk profiles have increased, resulting in price adjustments for those roles.<\/p>\n<p>As part of the update, Royal London has enhanced total permanent disability (TPD) definitions for 67 occupations, moving them from a working tasks definition to an own occupation definition.<\/p>\n<p>The provider said this is intended to make the claims process clearer and more straightforward.<\/p>\n<p><a class=\"to-read-link\" href=\"https:\/\/www.moneymarketing.co.uk\/news\/royal-london-wins-approval-to-deliver-targeted-support\/\" data-to-read=\"Read More\" rel=\"nofollow noopener\" target=\"_blank\">Royal London wins approval to deliver targeted support<\/a><\/p>\n<p>Fi Wynn, head of protection proposition at Royal London, said: \u201cAs the world of work continues to change, the products designed to support it must too.\u201d<\/p>\n<p>She added: \u201cWe\u2019re committed to ensuring that Income Protection remains relevant and accessible for workers navigating today\u2019s dynamic employment landscape.<\/p>\n<p>\u201cJobs are constantly evolving and in response we\u2019ve expanded access to Income Protection for a variety of job titles that were previously ineligible or where eligibility was unclear.\u201d<\/p>\n<p>Wynn said the changes aim to ensure \u201cgreater inclusivity\u201d, allowing more people to protect their income regardless of how their career develops.<\/p>\n<p>Vicky Churcher, executive director at the Income Protection Task Force, said: \u201cThe IPTF welcomes developments that seek to broaden access to insurance, particularly for underserved groups such as the self-employed and those with non-traditional career paths.\u201d<\/p>\n<p>She added that clearer cover and updated eligibility criteria can help improve accessibility and engagement with income protection.<\/p>\n","protected":false},"excerpt":{"rendered":"Royal London has refreshed its Income Protection occupation classes to reflect changing working patterns, including freelancing, gig work&hellip;\n","protected":false},"author":2,"featured_media":890018,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7757],"tags":[748,393,4884,51706,257,7481,93793,70845,16,15],"class_list":["post-890017","post","type-post","status-publish","format-standard","has-post-thumbnail","category-london","tag-britain","tag-england","tag-great-britain","tag-income","tag-london","tag-protection","tag-refresh","tag-royal-london","tag-uk","tag-united-kingdom"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@uk\/116394382096020075","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/890017","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=890017"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/890017\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/890018"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=890017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=890017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=890017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}