Royal Liver - Critical Illness Insurance 

Royal Liver is an insurance company that offers a wide range of both financial and insurance products through out the United Kingdom and the Republic of Ireland. Originally Royal Liver was called and created as Liverpool Lyver Burial Society. The reasons behind this are because the founders of the company wanted to introduce a burial fund that could help out many people that could not afford to have a proper funeral and service. As the company started out as the Liverpool Lyver Burial Society, as years went on they were able to survive the hardship and bad times that they encountered and therefore also experienced the good ones. To this date they are now part of 5 brand companies that also work towards providing outstanding, excellent service to individuals that need it.

As Royal Liver have progressed and grown over the years since they started, they have branched out into 5 different brands. Not only does this show the successfulness of the company but just how much people trust them to provide their cover for them in various aspects. These subsidiaries of Royal Liver are known as:

1. Royal Liver Assurance - this was developed in the 1850's with its main interests to maintain and keep up with the Royal Liver Assurance plans and policies and to deliver a good level of customer services to its policy holders.
2. Caledonian Life - was created in 2001 and provides life cover and mortgage protection along with bond investments to customers who live within the Republic of Ireland.
3. Park Row - this brand typically specialises in advising customers and financial planning. It was obtained by Royal Liver Company in 2003 and deals with both other companies and individual clients. The company is another channel of the original company which spreads the business across the United Kingdom.
4. Progress - this part of the company is specifically designed for the use of independent financial advisers. It offers an on line system for them to use, which is for the use with in the United Kingdom. Citadel Financial Advice - this was created in October 2006 and is a broker business of the main company. It is located in Ireland and is an ever growing provider of independent financial advice through out Ireland.

An advantage of the company splitting into different sections is that they can each focus on the customer's specific needs and requirements. This undoubtedly offers them with the assurance that they are getting a high level of knowledge on individual basis.

Although Royal Liver has its brand companies it, also has a website to help customers. This page offers detailed information about them and their 5 subsidiary companies, also containing a news room which both advisors and customer can keep up to date with the latest news and information on the companies. As a whole Royal Liver gives their customers the opportunity to become more involved with the company and enter competitions etc.