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Royal London reviews

Royal London Logo
Rated Poor • 1.92/5

Royal London reviews

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Verified business Last reviewed within 14 days
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Review summary

People rate this company as Poor based on 147 product reviews

Average score of 1.92/5
5 star
22%
4 star
5%
3 star
1%
2 star
2%
1 star
70%
Reviews for Royal London have trended positively over the past 90 days

Latest positive rating

5/5

Caring and helpful

Positive very helpful. Easy to talk too

{"display":"Margaret ","full_name":"Margaret ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Pension
Margaret 23rd January 2026

Latest negative rating

1/5

Deeply frustrating

My experience with Royal London has been utterly shocking. For months, I was unable to access my pension portfolio due to an unresolved IT issue... My experience with Royal London has been utterly shocking. For months, I was unable to access my pension portfolio due to an unresolved IT issue that they seemed completely incapable of fixing. This wasn’t a minor inconvenience — it prevented me from making essential changes to my pension, and the lack of urgency or competence in addressing it was astonishing. Communication was equally painful. Every time I called, I had to start from scratch, re‑explaining the same issue to yet another person who had no awareness of the previous conversations. There was no continuity, no ownership, and certainly no sign of an efficient internal process. Their complaints process was even worse. Instead of taking responsibility or offering meaningful solutions, they dragged things out to the point where I had no choice but to escalate the matter to the ombudsman. That alone says everything about how poorly they handle customer concerns. Now i finally have access online, the portal feels extremely outdated and slow. Fund options are narrow, performance tracking is practically nonexistent, and the overall user experience feels decades behind other providers. As a result, I transfer the funds out of my company pension at regular intervals just to manage it properly on other pension platforms. Overall, Royal London has demonstrated a lack of technical capability, poor communication, ineffective complaint handling, and an online system that simply isn’t fit for purpose. I would strongly advise anyone considering them to look elsewhere. Read more Read less

{"display":"N DURN","full_name":"N DURN","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1346049.png"}}'s avatar
Pension
N DURN 9th February 2026
See more reviews for Royal London products

About Royal London

Royal London is a mutual life insurance, pensions, and investment company. It offers term life insurance, critical illness insurance, funeral plans, workplace pensions, income protection insurance, and business insurance through independent financial advisers.

Finding the right pension provider is an important step towards helping your financial future. We collect Royal London pension reviews to help you decide if it’s the right provider for you.

If you’re considering investing with Royal London, read our reviews to learn more about what you can expect as a member of Royal London. Find out why existing customers chose Royal London and how satisfied they’ve been with the service they’ve received. Learn about the application process and how supportive they are throughout.

Share your experience with our Smart Money People community by writing a Royal london review. Tell us what pension option you have and whether the Royal London helped you find the best option for your needs. Share any key pros and cons you’ve experienced as a Royal London member. Would you recommend them to family and friends? Whether good or bad, leave an honest review to help others like you make better financial decisions.

Royal London at a glance

Reviews for Royal London

Showing 11 of 147 company reviews • Last reviewed within 14 days

Deeply frustrating

Pension • 9th February 2026

My experience with Royal London has been utterly shocking. For months, I was unable to access my pension portfolio due to an unresolved IT issue... My experience with Royal London has been utterly shocking. For months, I was unable to access my pension portfolio due to an unresolved IT issue that they seemed completely incapable of fixing. This wasn’t a minor inconvenience — it prevented me from making essential changes to my pension, and the lack of urgency or competence in addressing it was astonishing. Communication was equally painful. Every time I called, I had to start from scratch, re‑explaining the same issue to yet another person who had no awareness of the previous conversations. There was no continuity, no ownership, and certainly no sign of an efficient internal process. Their complaints process was even worse. Instead of taking responsibility or offering meaningful solutions, they dragged things out to the point where I had no choice but to escalate the matter to the ombudsman. That alone says everything about how poorly they handle customer concerns. Now i finally have access online, the portal feels extremely outdated and slow. Fund options are narrow, performance tracking is practically nonexistent, and the overall user experience feels decades behind other providers. As a result, I transfer the funds out of my company pension at regular intervals just to manage it properly on other pension platforms. Overall, Royal London has demonstrated a lack of technical capability, poor communication, ineffective complaint handling, and an online system that simply isn’t fit for purpose. I would strongly advise anyone considering them to look elsewhere. Read more Read less

{"display":"N DURN","full_name":"N DURN","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1346049.png"}}'s avatar
Rated Terrible • 1/5
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Caring and helpful

Pension • 23rd January 2026

Positive very helpful. Easy to talk too

{"display":"Margaret ","full_name":"Margaret ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 1/5

    My pension pot is rapidly diminishing.

    My pension pot is rapidly diminishing. I have been trying now for 10 months to get to my pension pot from Royal London while there... My pension pot is rapidly diminishing. I have been trying now for 10 months to get to my pension pot from Royal London while there is something still left in it. They won't reply to my financial advisor. When he rings they just put him on hold for sometimes over an hour and then promise to ring him back, which they never do. They are using every excuse possible to not let me have access to my pension. I have noticed on this review site and various others that they are treating other people the same way, which I find very worrying. I think it is time that they are investigated by the financial ombudsman because there seems to be something very suspicious about how this company is operating. Read more Read less

    {"display":"Roy N","full_name":"Roy N","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    Roy N 19th October 2025
  • 4/5

    Royal London are helpful and provide good value.

    Royal London are helpful and provide good value.

    {"display":"Saver","full_name":"Saver","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    Saver 7th September 2025
  • 1/5

    Terrible

    Dreadful experience waiting for our money to arrive

    {"display":"Elizabeth ","full_name":"Elizabeth ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    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 DISTURBING

    {"display":"Graham C","full_name":"Graham C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    Graham C 3rd July 2025
  • 4/5

    Life insurance

    Good trusted company , good value for money

    {"display":"Stan Ogden","full_name":"Stan Ogden","avatar":{"url":"\/assets\/uploads\/avatars\/users\/678352.png"}}'s avatar
  • 4/5

    Good company with positive returns

    Good company with positive returns and clear and frequent communications with updates on market conditions and policy status

    {"display":"Douglas Newlands","full_name":"Douglas Newlands","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Very good and great company

    Very good company very happy staff very friendly

    {"display":"Balbinder K","full_name":"Balbinder K","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1239525.png"}}'s avatar
    Pension
    Balbinder K 3rd June 2025
  • 1/5

    Very Poor Service

    Have had a claim on a bereavement policy closed twice because of the inability of Royal London to understand the documents that I have sent... Have had a claim on a bereavement policy closed twice because of the inability of Royal London to understand the documents that I have sent to them. I have submitted a complaint through their complaints team and have had very little response from them. I wont ever use them again. Read more Read less

    {"display":"Simon B","full_name":"Simon B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    Royal London pensions scammers

    Trying to access my pensions which was originally with Abbey National then went over to these idiots,ive sent all my id off and I'm not... Trying to access my pensions which was originally with Abbey National then went over to these idiots,ive sent all my id off and I'm not getting anywhere i keep getting bounced around saying we will transfer you to the right department,this has been going on for a month,and I'm still waiting for my money,they need to be investigated by the FCA AND BANKING ONBUDSMEN Read more Read less

    {"display":"Stephen H","full_name":"Stephen H","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1157874.png"}}'s avatar
    Pension
    Stephen H 3rd April 2025

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