Write a review

Royal London: Life Insurance reviews

Name: Life Insurance
Rating: 2.79 (39 reviews)

View other Royal London products

2.05

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

Read all reviews See your review

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:

Straightforward for not a modern company

Really easy to get on board and felt very much on my terms with regard to payment terms, when to sign up by, how much to pay etc. have only just started though so let’s see! Reviewed on: 23rd August 2024

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

Got the insurance over a year ago.

Got the insurance over a year ago. Tried to talk to them today,first someone answered and hung up on me.After tried again about half an hour no one answered the call.To sell me insurance and get money from me they contacted me numerous times.Now when I want to talk to someone of them no one answered the phone. So going to cancel my direct debit. Reviewed on: 14th January 2025

Absolutely worst insurance company

Absolutely worst insurance company, ever. Have taken from my account 500£ without explaining why/what service I have received. They said they investigating and its been 3 months. They ignoring messages, and when I call them they transferring. Absolutely terrible experience. Reviewed on: 29th November 2024

I have been diagnosed with terminal pancreatic cance...

I have been diagnosed with terminal pancreatic cancer and have diabetes plus a D.V.T. I have applied for a last year of life pay out they have asked for my consultants report which they've had for weeks they then wanted my GP report whom I haven't seen for 7 months and only knows what the consultant tells him. After that it goes to there medical department who has never seen me for assessment the last time I had contact they told me it was with them for 5 days but the previous week was told the same thing which makes it 10 days and I still am no further forward how are they allowed to treat terminly ill people like this when we have paid insurance to have a few pounds we thought we could rely on or am I nieve expecting an insurance company to actually pay out Reviewed on: 16th November 2024

Very very bad experience.

Very very bad experience. Don’t recommend it to anyone at all, you will regret it. Reviewed on: 17th September 2024

They never pick up the phone.

They never pick up the phone. Unworkable. Looking to move to another provider. Reviewed on: 4th September 2024

Great experience thus far and excellent customer int...

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

Really easy to set up

Really easy to set up, they have a lot of additional features included which are straight forward and user friendly Reviewed on: 24th August 2024

Extremely poor customer service

Every email during the claim stage took weeks to get any reply on, the updates were then basic at best. All emails were sent via an encrypted email through a third party software which only let you save the email as HTML or EML file, not a regular PDF, meaning they were a file format not supported by a lot of other companies, including the FSCS who I ended up having to go to when Royal London rejected my claim. I would not recommend the company at all, their products and services are extremely poor. Reviewed on: 23rd August 2024

Fast, efficient and friendly service

Taking out the policy was simple, getting answers to a query was fast and efficient. On top of that the sum insured and cost of the policy are both very competitive Reviewed on: 23rd August 2024

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 Nationwide 3.00 from 3 reviews
Life Insurance
from Multi Broker 0.00 from 0 reviews
Over 50s Life Insurance
from British Seniors 3.76 from 13 reviews

There's still more to see!

Royal London has a range of products available. Check the ratings of each product to find the right one for you. 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