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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

50 Plus

I have a pension with Royal London so approached them for some 50+ insurance. Great price and really easy to buy on line. Reviewed on: 29th June 2018

A Company That Cares

It took months of stress and worry to find an insurer that wouldn't penalise for mental health problems. A decent quote without belittling their potential clients. Would definitely recommend. Reviewed on: 11th February 2018

Awsome

My account was transfered to RL, and the change in customer service was amazing Reviewed on: 1st February 2018

Con.

we were made to take life assurance out with these jokers in order to secure a mortgage. later we sold the house and moved. The amount kept appearing on our statement even though the mortgage was paid off and we had moved to a different area. Eventually I rang them up and was told I haddn't paid for two months' so they'd cancelled it. I asked why they hadn't written to me as they said it was a life insurance policy. They said they'd written to the old address. Can't help thinking that they have had thousands off me for something I did not need or want but was made to have and that if they had seriously wanted to find me, i.e if it was a debt, they would have found me. Shady, not to be trusted when I see ther advert on TV it angers me all over again. No wonder people don't trust insurance companies and their products anymore. Reviewed on: 23rd August 2017

Does the job

Very easy to setup Better than others in the same business Reviewed on: 23rd August 2017

very pushy "consultant"

good prices, very pushy sales people Reviewed on: 5th July 2017

Life insurance

Easy and fast to set up. All done on line with no issues. Reviewed on: 4th July 2017

Ripped off.

I was made to take out a policy with these jokers for a mortgage. After the mortgage was paid off I moved house they couldn't be bothered to find me so after seven years' I had two lapsed payments so the policy lapsed. Such greedy people, a plague on all their houses. Reviewed on: 8th October 2016

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