Write a review

Royal London: Life insurance reviews

Name: Life insurance
Rating: 2.74 (42 reviews)

View other Royal London products

2.06

Based on 42 reviews, last reviewed 28th Aug 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

10%

3 star

52%

Latest highest rating:

4

Life insurance Good trusted company , good value for money Reviewed on: 28th June 2025

Latest lowest rating:

1

Terrible Dreadful experience waiting for our money to arrive Reviewed on: 28th August 2025

Read all reviews See your review

About this product

Royal London life insurance provides cover of up to £750,000 depending on your age when you take out the plan.

Choose level or decreasing cover and there’s no medical required to take out a policy. Terminal Illness cover is included at no extra cost, Serious Illness Benefit can be added to you plan for an additional cost.

Royal London life 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.

Royal London Life insurance reviews (42)

Review of the Royal London, Life insurance:

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

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

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

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

Do you have a different Royal London product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Life Insurance
from Tesco Bank 4.40 from 2 reviews
Life insurance (discontinued)
from Saga 5.00 from 5 reviews
Life Insurance
from Barclays 4.68 from 8 reviews

Want to see more from Royal London?

Pension
from Royal London 1.83 from 102 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub