Paid advertisement
Smart Money People Logo
Newsletter

Voting in the Consumer credit awards 2026 is open - Vote here

Share this page

Royal London reviews

Royal London Logo
Rated Average 2.65/5

Royal London reviews

Verified business Last reviewed within 14 days
  • UK-based contact centre
    UK-based contact centre
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • FCA approved and regulated
    FCA approved and regulated
  • Provides free financial planning calculators, guides and tools
    Provides free financial planning calculators, guides and tools

Review summary

People rate this company as Average based on 155 product reviews

Average score of 2.65/5
5 star
24%
4 star
5%
3 star
1%
2 star
2%
1 star
68%
Reviews for Royal London have trended positively over the past 90 days

Latest positive rating

5.00/5

Great customer service

Always prompt responses to questions and explained in a manner that is easy to understand.

{"display":"Barry D","slug":"user1708014658","deleted_at":null,"created_at":"2024-02-15T16:30:58.000000Z","updated_at":"2024-02-15T16:30:58.000000Z","biography":null,"tagline":null,"gender":null,"rank":null,"first_name":null,"last_name":null,"full_name":"Barry D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Pension
Barry D 11th June 2026

Latest negative rating

1.00/5

Dreadful company

Life insurance claim totally ignored. All communications received the same response , to complete the online form which had already been done. Reminders disregarded. Customer... Life insurance claim totally ignored. All communications received the same response , to complete the online form which had already been done. Reminders disregarded. Customer service so poor in dealing with someone after losing a parent. Read more Read less

About Royal London

Royal London provides a range of products to customers, advisers and employers including
protection, pension, investment and retirement solutions in the UK and Ireland.

Royal London is a mutual organisation, which means they're customer owned and don’t answer to shareholders, allowing them to focus on creating long-term value for their customers.

Royal London at a glance

Contact details

Phone
0345 602 1885
Main address
80 Fenchurch Street, London, EC3M 4BY
Social media

Reviews for Royal London

Showing 11 of 155 company reviews Last reviewed within 14 days

Great customer service

Pension 11th June 2026

Always prompt responses to questions and explained in a manner that is easy to understand.

Rated Excellent 5.00/5
Read more product reviews

Dreadful company

Personal protection insurance 6th June 2026

Life insurance claim totally ignored. All communications received the same response , to complete the online form which had already been done. Reminders disregarded. Customer... Life insurance claim totally ignored. All communications received the same response , to complete the online form which had already been done. Reminders disregarded. Customer service so poor in dealing with someone after losing a parent. Read more Read less

Rated Terrible 1.00/5
Read more product reviews
  • 1.00/5

    6 months trying to transfer a pension out of Royal L...

    6 months trying to transfer a pension out of Royal London. Response is chronically slow. You are on the phone on hold for hours before... 6 months trying to transfer a pension out of Royal London. Response is chronically slow. You are on the phone on hold for hours before anyone picks up. so many times Ive assumed I rang the wrong number as no one responds, but it was correct. So poor. Read more Read less

    {"display":"michael QJ","full_name":"michael QJ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    michael QJ 18th May 2026
  • 5.00/5

    I’ve had a positive experience with Royal London lif...

    I’ve had a positive experience with Royal London life insurance. The process was straightforward, communication was clear, and it’s given me real peace of mind... I’ve had a positive experience with Royal London life insurance. The process was straightforward, communication was clear, and it’s given me real peace of mind knowing my family would have financial protection if anything happened to me. I also like that the cover can be tailored to different needs, whether that’s protecting a mortgage or providing longer-term family support. Royal London offers term and whole-of-life cover, with options such as level, increasing, or decreasing cover depending on the policy. Read more Read less

  • 1.00/5

    Utterly useless company.

    Utterly useless company. I've just spent nearly 2 hours on the phone trying to get answers to what should be everyday questions before I cash... Utterly useless company. I've just spent nearly 2 hours on the phone trying to get answers to what should be everyday questions before I cash in part of my pension pot. I've spoken to 4 different departments so far (each one taking about half an hour to answer the call) and they're all equally clueless. Appalling service, avoid. Read more Read less

    {"display":"Andrew W","full_name":"Andrew W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    Andrew W 27th April 2026
  • 5.00/5

    They have been easy to deal with, no nonsense paperw...

    They have been easy to deal with, no nonsense paperwork and a good app

    {"display":"lee livsey","full_name":"lee livsey","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    lee livsey 27th April 2026
  • 5.00/5

    Been fantastic in managing my pension, super returns...

    Been fantastic in managing my pension, super returns over the years.

    {"display":"Colin P","full_name":"Colin P","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    Colin P 18th April 2026
  • 1.00/5

    Royal London has forgotten customer experience - try...

    Royal London has forgotten customer experience - trying calling their customer services on the phone, it speaks for itself.

    {"display":"Shameel P","full_name":"Shameel P","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Pension
    Shameel P 27th February 2026
  • 1.00/5

    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
  • 5.00/5

    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
  • 1.00/5

    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

    Products from Royal London

    Showing all products offered by Royal London

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice