The move extends CIExpert’s coverage beyond life and critical illness, with Royal London’s personal and business income protection plans now available to subscribers. Its personal and business life and critical illness plans are also included, at no additional cost to users.
CIExpert said its Life and Critical Illness Insight Zones already include all insurers active in those markets. The addition of Royal London expands the income protection offering, which provides advisers with comparative product information across multiple insurers.
Royal London’s income protection plan provides cover of up to 65% of the first £60,000 of earned income. Features include rehabilitation support, back to work payments, job flexibility and options to adjust fixed costs. The policy also includes a lifestyle review, a hospitalisation benefit and fracture cover of up to £4,000. Access to Royal London’s Helping Hand Service is included, offering support such as nursing services, mental health assistance, career guidance and legal helplines.
Key person income protection is available at up to 75% of gross profit.
CIExpert said the Income Protection Insight Zone gives advisers an overview of policy options, including income multiples, payment periods, eligibility criteria, occupation types, deferred periods, claims options and rehabilitation features.
Paul Roberts, Proposition and Distribution Director at CIExpert, said: "Royal London’s decision to join our Income Protection Insight Zone is further endorsement of the value they deliver to insurers, advisers and consumers. With every Insight Zone signed-off by each insurer to confirm accuracy, the important role they play in advice, compliance and consumer duty requirements cannot be understated.
“At CIExpert, we’re deeply committed to protecting the income of individuals and their families to deliver the financial resilience that they need. With our upcoming Critical Thinking 2026 report set to include insights into the income protection market, we’re excited to welcome Royal London into our Income Protection Insight Zone as we continue our plans to enhance our income protection support for advisers and their clients.”
Fi Wynn, head of protection propositions at Royal London, added: "Income protection plays a vital role in helping people stay financially resilient when they’re unable to work, so it’s essential advisers can clearly understand how different policies work in practice. By joining CIExpert’s Income Protection Insight Zone, we’re making it easier for advisers to access clear, detailed and trusted information across our income protection proposition, supporting high- quality advice and good consumer outcomes.”
