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Royal London: Life Insurance reviews

Name: Life Insurance
Rating: 2.94 (36 reviews)

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2.18

Based on 36 reviews, last reviewed 16th Nov 2024

300% increase in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

42%

3 star

47%

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

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 ... Read more Reviewed on: 16th November 2024

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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 (36)

Review of the Royal London, Life Insurance:

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

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

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

rom this company, my mom paid...

Do not have insurance from this company, my mom paid life insurance for years. When she died I did everything they said online, which took ages, because they kept saying I had to answer questions I already had. Then I rang them to say why hadn't we heard anything, and they said they need more information, but there was nothing new I could tell them. When I rang again complaining they told me they would send a cheque. They haven't. They are a legalised scam company. Would have give 0 stars if I could. Reviewed on: 22nd August 2024

Do not buy critical life insurance from Royal London

I was religiously paying my life insurance and critical life insurance for 3 years when I found out accidentally this year that I have cancer and the cancer cells have already gone outside of its original organ. I feel that Royal London could do everything in their power to delay the claim and they are doing that to me. They took information from my GP and surgeon and wanted more information and sent to wrong address and didn't correct themselves or update my record although they received a call saying that's the wrong email. Also, their call center agents don't have a clue what to respond back as an update and give misinformation again and again. I highly recommend you find out exact information about what they are waiting and from whom and chase yourself. In my case, I discovered that they were giving me false update until I found myself and confronted that they have received all the information they needed. If you raise a complaint, they will tell you that it will be assessed in 4 weeks and 4 weeks after they will inform they are still reviewing and again will come back after 4weeks. That's the start of a vicious cycle! I am contemplating to report to Financial Ombudsman Service if I can't progress any further. Good luck to all of you who have purchased insurance schemes from Royal London! Reviewed on: 3rd July 2024

AVOID THIS COMPANY AT ALL COSTS

My dad had a life insurance policy which included terminal illness cover. He was diagnosed with a terminal illness (MND) a year later and RL refused to pay out and caused so much extra stress for my poor dad on top of everything else he had to deal with. I spent so much time on the phone and writing emails and the staff are truly heartless, repeating that because dads death wasn’t confirmed as being ‘imminent’ it didn’t come within THEIR definition of a terminal illness (not the parliamentary definition). We had letters from consultants confirming prognosis and a DS1500 confirming the condition means someone is reasonably expected to pass away within 6 months. Dad had to continue paying the insurance monthly after being palmed off numerous times and they finally accepted the claim after a long drawn out battle (thank god he had me to do this for him). My dad sadly had passed away around a month later. Reviewed on: 31st May 2024

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