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Royal London: Pension reviews

Name: Pension
Rating: 1.79 (101 reviews)

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1.77

Based on 101 reviews, last reviewed 3rd Jul 2025

100% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

17%

77%

Latest highest rating:

4

Good company with positive returns Good company with positive returns and clear and frequent communications with updates on market conditions and policy status Reviewed on: 13th June 2025

Latest lowest rating:

1

Cannot get my cash out I have been trying to cash in my pension pot with them for four months. Just goes round in circles. They clearly don't like paying out. VERY DISTURBIN... Read more Reviewed on: 3rd July 2025

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About this product

Royal London pension reviews are written by Smart Money People like you. For many of us, our pension is an important part of our financial future. Finding a pension provider that you can trust and rely on is a must for many people. Take a look at our Royal London pension reviews to find out what life at Royal London is really like. If you hold this pension, we'd love you to write an honest review here too!

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Royal London Pension reviews (101)

Customer Service is non existent

Customer service is completely non existent. They ignore correspondence unless chased and then it takes weeks to provide further responses. When raised as an issue you just get a stroppy response. AVOID Reviewed on: 5th July 2022

Pension losing hundreds daily

I transferred my pension pot from ReAssure to Royal London and it's losing £hundreds every single day. I really don't know what to do Reviewed on: 25th June 2022

Terrible service

We have decided to cash out some of our pension .. we were told it was coming last week… checked our account only to find £1000 payed in when we was expecting a large lump sum .. contacted Royal London they have now delayed us again !!! So not sure when the remainder is getting paid in .. constantly ringing to chase up .. left on hold for ages!!! We urgently need our funds .. they have put us in a real predicament!!! DEFINITELY WOULD NOT RECOMMEND THEM ..they are aware of the shocking reviews yet still continue to make us all wait .. STAY AWAY FROM THEM IF YOU WANT TO INVEST !!! Reviewed on: 28th May 2022

Worst Company ever do not go near them !

They bought over CIS who i was with , my Pension was meant to be paid on 17th jan 2022, now May 19th and still not got it, after numerous Phone calls same excuses and lies . my advice is do not go near this company Reviewed on: 19th May 2022

Awful service

Non responsive, slow, very poor basic admin. Can’t blame covid for just being slow and inefficient Reviewed on: 25th February 2022

Terrible company no thought or consideration for there customers

No payout late Husband passed away in May 2021 horrible company do not use this company for your life insurance Reviewed on: 10th February 2022

Transferred pension

Since transferring a pension into my Royal London pension, it has gone from making money consistantly to losing money everyday. This has gone.from 9.1% increase for the life of the policy and now down to 4%. I now feel I've made a very big mistake losing £100's of daily. What are they doing with it. Now only an increase of £2,000 in 11 years Reviewed on: 26th January 2022

AVOID Royal London Pension scemes

AVOID Royal London pensions. I have had a shockingly bad time with them and have received terrible shoddy service. For the last 12 months I have sent numerous emails and had numerous phone calls regarding a mistake that they have make on their part in regards to my first name. This situation has still not been fixed and they have no empathy whatsoever with the stress that it has caused me. I am in the process of transferring this pension to another company but I cannot do this until they fix my first name (a very simple thing to do) Avoid this company like the plague (pay close attention to the other reviews on here) I will be taking legal action as they are clearly holding on to my money, this is an untrustworthy and fraudulent company! “Big red flags people” BEWARE!! Reviewed on: 19th January 2022

Another unable to access pension

Same as the first review I read. My pension was also a CIS pension but it is well over a hundred thousand pound fund. I turned 60 in August of 2021 and from July of that year Royal London were informed what I wanted to do with my pension. It is now January 2022 and I still have no lump sum and no pension. The same old crap every time you contact them. The cannot verify my identity. They didn't get the settlement figure quick enough. They have a lot of departments that don't talk to ETC ETC ETC. I have gotten to the point where I firmly believe that I will never receive my pension and that Royal London are an absolute con. Reviewed on: 15th January 2022

Unable to access Pension

I took an annuity pension about 20 years ago when Royal London was formerly CIS (Co-op). It is not a large pension, only around £12,500 fund. I turned 60 years old in May and since around July, I have been trying to access my pension, so far without success. I have sent all relevant documentation to them including, sending proof of ID, not that I should need any as every time I call them, or they call me, I go through the same security checks etc etc etc! After sending my signed documents however, they then contacted me a month later to tell me they have not been able to establish my identity. I found this hard to believe, as I have banked with the same bank for over 40 years, I have had a paper trail of mortgages and loans going back over 40 years, I’m a UK resident and tax payer and I am on the voters register!!! They now wanted someone on authority to certify my ID (passport & driving licence) and I arranged for a close friend a former retired police officer of over 35 years to certify that he had seen my ID. Once again, I sent these off, but have received further communication rejecting the documents as the person certifying is now retired!!! After expressing my dissatisfaction to the customer service person, she was quite rude and abrupt, and it was clear I was getting nowhere fast! She suggested I have my GP certify the documents! You really couldn’t make it up. I would be lucky to see my GP if I was dying, let alone get him to sign my pension ID!!! It would appear that Royal London do not wish to part with MY money and are seeking to obstruct me at every stage of the process. Do not use this useless company!!! My score is -0/10 Reviewed on: 9th November 2021

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