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Royal London: Life Insurance reviews

Name: Life Insurance
Rating: 2.79 (39 reviews)

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2.04

Based on 39 reviews, last reviewed 16th Jan 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

38%

3 star

51%

Latest highest rating:

5

Great experience thus far and excellent customer int... Great experience thus far and excellent customer interface Reviewed on: 25th August 2024

Latest lowest rating:

1

This is a disgrace This company is a disgrace and clearly employs internal policies (which they won't share) to hold onto people's money. My father recently past away an... Read more Reviewed on: 16th January 2025

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About this product

At Smart Money People, we collect Royal London Life Insurance reviews from customers like you. If you're thinking of getting Royal London Life Insurance check out our reviews, or if you're an existing Royal London customer - please share your experiences with our community in order to help out others!

Royal London Life Insurance reviews (39)

Review of the Royal London, Life Insurance:

This is a disgrace

This company is a disgrace and clearly employs internal policies (which they won't share) to hold onto people's money. My father recently past away and had a life assurance policy which when I initially contact Royal London on the 3rd of Jan was told due to the type of product it wouldn't need Grant of Probate to pay out. I then submitted a signed will and death certificate as required legally for it to be released. Today (7th of Jan) I received an email stating they can't progress the claim as they need a Grant of Probate?? no explanation as to why. So after calling and requesting a call back I had a conversation with one of the breavement team who said in summary that they can't pay out due to the amount and that Royal London has "thresholds" that if the value is say one pound over the threshold they won't pay out even though all legal documentation has been given. So for example Royal London as I was told will pay out anything upto £100k without a is Grant of Probate but if you go one pound over the £100k you will need G of P! How ridiculous is that. They have no legal basis to hold onto the money but they have their internal thresholds to hold out paying! So in summary Royal London have no legal basis to hold onto money which is now owed to my family they do have their "thresholds" which has no legal basis whatsoever. This is clearly a way for Royal London to hold onto a deceased persons money as long as possible which is a disgrace! Also on the 7th the bereavement advisor "Josh" said he would send me an email that day covering the points discussed and stating they would let pay put due to thresholds and that they wouldn't share the documents. Guess what??? I didn't get that email ! Update as of the 13th after speak to a errmm so called Customer Relations case consultant who I must say was particularly rude and constantly interrupted me and talked over me! I explained in detail what had happened she then sent a response and wow she clearly wasn't listening very well and after playing email tennis the following day it was only when I phoned her she admitted she'd made a mistake. So multiple customer service failures on Royal Londons part which will be sent to the Ombudsman. Just incompetence at its finest.... Reviewed on: 16th January 2025

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

Great Product, Very Happy

Very happy with the service I have received from Royal London. Feel satisfied that my life insurance product is with them. Reviewed on: 12th September 2020

Good value policy and excellent service

I've had my life insurance with Royal London for a while. They beat other quotes and seem reliable. Reviewed on: 16th July 2020

Life insurance

Took a bit of time to assess. Very thorough Reviewed on: 16th August 2019

Life Insurance

Friendly and concise advice and easy to deal with Reviewed on: 30th July 2019

Royal London - run by Humans

I have an ISA with Royal London which was previously managed by CIS and dealing with them is a doddle over the phone. On each occasion that I've phoned them to arrange a withdrawal, the team have been super. Simple process yet crucially secure and I receive my money promptly. It's great to be able to call them and deal with actual people who are competent and courteous. Reviewed on: 23rd November 2018

Easy and Simple

Who knew life insurance could be made simple? Royal London explained everything to us and we finally got a life insurance that suited our needs. Reviewed on: 23rd September 2018

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