Royal London has made a number of enhancements to its non-medical limits for income protection, increasing the rate at which it can offer cover to customers and its straight through acceptance rates.

The main changes are to increase the sum assured where Royal London first requires routine medical evidence. The most notable change is for younger ages, but there are improvements across all age bandings and sums assured. For customers aged under 40, the threshold for non-medical limits evidence has more than doubled to £75,001, previously £36,001.

In addition, the sum assured at which a GP report is first required has been increased across all age bands. This helps turnaround times and reduces the burden on the NHS.

Craig Paterson, chief underwriter at Royal London, said: “We continue to focus on improving our customer journey to help customers obtain cover in the shortest time possible and make it easy for people to do business with us. Our latest enhancements will help make income protection more accessible and will make it easier for us to offer cover to all our customers.

“We firmly believe in the value of protecting income and will continue to work on improving our income protection product and proposition in 2022.”