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Royal London: Life Insurance reviews

Name: Life Insurance
Rating: 3.2 (25 reviews)

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3.20

Based on 25 reviews, last reviewed 13th Mar 2024

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

48%

3 star

40%

Latest highest rating:

5

Royal London I've been with Royal London for year's the customer service team is amazing. The product is amazing value for the features Reviewed on: 22nd August 2023

Latest lowest rating:

1

Delay all claims must be company policy! Started a claim for total disability insurance in July 2023 for my wife and Royal London have done everything they can to delay. We offered them an in... Read more Reviewed on: 13th March 2024

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About the Life Insurance

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Royal London Life Insurance reviews (25)

Delay all claims must be company policy!

Started a claim for total disability insurance in July 2023 for my wife and Royal London have done everything they can to delay. We offered them an independent medical exam at the start but they requested medical reports from our GP then they asked for more then more a third time as they tried to show that we lied on the application form which we didn't and all the evidence they've now had shows that we didn't. They now want a medical examination which is delaying our claim even further. I don't understand why they didn't do this at the beginning as I offered it to them? Why wait till the end? My wife has ME/CFS, Fibromyalgia, Trigeminal Neuralgia all are noted by the world health organisation as incurable, she can only walk very slowly with the aid of a walking stick, struggles to lift a kettle of water. Lost her job due to her illness. She has various aids now fitted around the house to help her yet Royal London say that she may get better so this may not be permanent?? What the world health organisation are wrong? We are now in mortgage arrears and worried that we'll lose our home and despite this I've asked numerous times how much longer this going to take for a simple decision yet can't get a straight answer. It's like talking to a politician. Wish I could rate no stars. Was told when I took this out that should something happen this will provide peace of mind and help us in our time of need as it'll be easy to claim? Something has happened and this has been the most stressful thing ever! Reviewed on: 13th March 2024

Do not use-No care following bereavement

Gavin, in reply to your message below, have previously emailed your customer service team and also submitted a complaint - NO REPLY FROM ANY Still waiting on phone calls from both claims team, customer service team and bereavement manager, as promised by your staff yesterday and today but received nothing. Completed online bereavement form and uploaded death certificate Informed by email on 8th January 2024 that claims team would contact me within 14 days 30th January rang 0345 number for Royal London bereavement team, assured that the claims team would phone me same day, no call received. Open a complaint no reference received. 31st January ang 0345 number for Royal London bereavement team half an hour on hold before speaking to an advisor, then placed on hold again for a manager. After nearly an hour on the phone no further on as No Manager and the advisor not high enough on team to deal with claim on update. This is disgusting and Royal London should be ashamed. Date of experience: 30 January 2024 Edit Reply from Royal London Mutual Insurance Society Limited 15 minutes ago Hi, Firstly, we are very sorry that you have had to raise any concerns about the service and care you have had from Royal London when you are dealing with a bereavement. Please accept our sincere condolences for your loss. Please may we kindly ask that you email [email protected] with your details and contact information so that we can identify you and the claim you are sadly having to make, and we will then ensure that a Customer Relations Consultant contacts you as soon as possible to ensure the claim is finalised and address the poor level of service you have experienced. Many thanks, Gavin Reviewed on: 31st January 2024

Life insurance claim

My mum took out this policy to pay for her funeral and after more than 2 months, I still have no payment. Very stressful time not made any easier by RL asking for paperwork to be countersigned which I provided, I understand they need to be sure who they are paying. Then asked for more papers 3 weeks later not previously asked for. It seems like left hand doesn´t know what the right is doing. I have read the reviews and the 5 star ones are for ongoing policies. Just wait until you need to claim!!! It´s almost as is RL don´t have the funds to pay out! Reviewed on: 6th November 2023

DO NOT BUY TERMINAL ILLNESS COVER!

I have had Terminal illness cover with RL. I was diagnosed with Motor neuron disease n Feb 2023. MND is a terminal illness for which there is no cure. A third die within a year and half within two years. Royal London said I needed "proof" I would die within a year from my neurologist. She sent a letter saying this was likely. This letter is not good enough. I could walk in February 2023. I am now in powerchair full time, cannot use my dominant left hand and my speech is going. Whe more do i need to show ? Reviewed on: 20th October 2023

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