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Royal London: Personal protection insurance reviews

Name: Personal protection insurance
Rating: 2.83 (44 reviews)

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2.83

Based on 44 reviews, last reviewed 6th Jun 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

36%

3 star

52%

Latest highest rating:

5

I’ve had a positive experience with Royal London lif... I’ve had a positive experience with Royal London life insurance. The process was straightforward, communication was clear, and it’s given me real peac... Read more Reviewed on: 5th May 2026

Latest lowest rating:

1

Dreadful company Life insurance claim totally ignored. All communications received the same response , to complete the online form which had already been done. Reminde... Read more Reviewed on: 6th June 2026

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About this product

Royal London life insurance provide a range of personal protection policies.

Choose from critical illness, life insurance and income protection policies.

Royal London personal protection insurance reviews help you find out what it’s really like to be a customer. If you’ve used Royal London before, you can also leave a review and share your experience.

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Royal London Personal protection insurance reviews (44)

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

Not very rosy

I wish I knew a lot about what I was getting into, but I was in a rush and now am being hounded every now and then for my sugar blood reading yet the final benefit is not that rosy at, not sure it can cover funeral and leave enough for my kids to wash away their tears… Reviewed on: 23rd August 2023

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

ISA transfer delayed

I took out a fixed rate ISA with Leeds Building Society and placed an initial deposit, also requesting to transfer funds from RL .... Two and a half months later this has still not been actioned, RL say probably request sent to wrong address.. no LBS confirmed it was sent to the correct address, RL are just holding on to my dwindling investment, which is very bad and unlawful practice. Reviewed on: 21st June 2023

Bunch of Liars

I have an ISA account with Royal London and 8 weeks ago requestered a withdrawal to pay for some home improvements. after loads of hassle off them I am still waiting for MY money to be sent to me.Worst company I have ever dealt with, loads of lies and misinformation. Do not use this companies services as you will only regret it further down the line. Incompetent does not cover it. Reviewed on: 1st June 2023

Very bad company to deal with when it comes to claim matters

This is with regards to the Income Protection plan we have taken back in 2020. My wife was speaking with a member of staff from Royal London. I understand GP has provide report with incorrect date on it and my wife confirmed them that she will be speaking with GP and revert back to Royal London with correct report. In meantime, what I understand that the member of staff was very rude while speaking with my wife and sounds very unprofessional way of dealing with customers when it comes of claim time. The member of staff has also sent out the claim rejection email and cancelled full plan despite we telling him that we will be in touch with them to provide correct report. This itself gives indication that the member of staff has been tasked to reject claims instantly without giving an opportunity for claimant to provide required information. Based on this in my opinion Royal London insurance company is very unprofessional & bad company to deal with. There is no respect for customers and only thing we can expect is rude, unprofessional way of communication and giving decision on claim without listening to claimant. I would not recommend anyone to go for insurance company like Royal London Reviewed on: 31st August 2022

Very helpful company

Any communication with them very good Reviewed on: 8th October 2021

Good solid company to save with

Great company who have helped me to save a little nest-egg for the future. Reviewed on: 18th September 2020

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