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Royal London life insurance

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4.9/5
249,695 reviews

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Why choose Royal London life insurance?

Royal London are the largest mutual life, investment, and pensions company in the UK. The company was founded out of a London coffee shop in 1861, when a small number of clients agreed to share some of their resources to look after each others’ financial wellbeing.

Because it’s a mutual fund, Royal London doesn’t make profits for shareholders – instead, that money goes back to its members and their families.

Royal London recently won the five-star award for protection and pension providers in the 2023 Financial Times Adviser Service Awards, and is rated 4.0 out of five on Trustpilot.

Royal London pride themselves on the value they offer their members, including:

  • Instant cover

    With Royal London’s ‘underwrite later’ option, you can be covered from the moment you complete your application – so you’ll always have protection, even before your plan starts

  • Help and support

    Royal London offers all policyholders access to its Helping Hand service, which offers second medical opinions along with counselling for serious illness or bereavement

  • Fully regulated

    Royal London is fully regulated by the Financial Conduct Authority, which means you can be assured you’re in safe hands



How do I get a Royal London life insurance quote?

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What types of life insurance can I get with Royal London?

Royal London members can choose from a range of different types of life insurance, including:

  • Level-term life insurance: Level-term cover pays out a lump sum should you pass away during the term of the policy. Your cover amount and your premiums are fixed for the entire term

  • Decreasing-term insurance: The amount of money you’re covered for, during your decreasing term insurance, reduces over time making this a good option to cover the amount you may owe on a mortgage repayment or other loans

  • Whole of life insurance: With a whole life insurance policy there’s no term, so it’s guaranteed Royal London will pay out to your loved ones whenever you die

  • Royal London Diabetes life insurance: A diabetes life insurance policy from Royal London is for people with Type 1 or Type 2 diabetes and will pay out a sum of money if you die or become terminally ill during the plan

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Example Royal London life insurance quote

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Royal London

  • Monthly Price

    £10.14

  • Cover Amount

    £350,000

  • Cover Length

    20 years

  • Cover Term

    Decreasing Term

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Great for

  • Counselling Services
  • Life claims paid rate: 99.4%
  • Policy documents available online

But be aware that

  • Children's critical illness cover not included

Need to knows

This is an example annual quote based on a 35 year old marketing manager living in London insuring up to £350,000 with a decreasing term life insurance product.

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

Can I cancel my Royal London insurance and switch providers?

Yes, you can cancel your Royal London life insurance policy at any time by calling their customer service department. Here is what you need to know about cancelling your contract:

  1. If your policy is coming up for renewal: you can cancel over the phone or by writing to them. You won't be charged anything for cancelling your policy, but you won't receive any money back from your policy either

  2. You've just taken out a policy: if you change your mind within 30 days of taking out your life insurance policy, Royal London will refund your premiums

  3. If your policy has auto-renewed at a higher rate: If your policy is more expensive than what you can afford, try contacting Royal London to see if they can help. If you wish to end your cover, Royal London will cancel your policy at no extra charge.

What add-ons can I get with Royal London?

In addition to life insurance, Royal London also offers the following add-ons to provide extra protection:

  • Critical illness cover

    Royal London pays out a lump sum or monthly income if you're diagnosed with a critical illness or permanent disability

  • Income protection

    Royal London pays out a monthly amount if you're unable to work due to an illness or injury listed on your policy

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How do I contact Royal London?

You can contact Royal London in the following ways:

Phone: 0345 602 1885

Opening hours:

Monday to Friday: 8am - 6pm, excluding bank holidays


Alternatively, you can write to them at:

Royal London House

Alderley Park, Congleton Road,

Nether Alderley,

Macclesfield,

SK10 4EL.

How do I make a claim with Royal London?

Royal London offer a simple process for making a claim, to help make a stressful time as trouble-free as possible. Here’s how it works:

  • Fill out a notification of death form on Royal London’s website, or contact them over the phone or by post

  • They’ll need some basic details, including the name of the policy holder and the death certificate number

  • They’ll review your claim as quickly as possible, and once it’s been approved you should get the payout within a few days

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Join hundreds of satisfied customers who found their life insurance with us

See all reviews

  • Thanks and best service

    Daljeet Singh

    08/10/2023

  • Easy to sort out and everything was as needed

    Craig Bairstow

    04/10/2023

  • Got exactly what I wanted, for the right price and with no hassle whatsoever, just answer a few simple questions and away we go

    Robert198146

    07/04/2023

  • Pros: Super easy, much much easier than I had anticipated and insuring for large amounts was a lot cheaper than I thought also. Cons: no

    sophie

    01/11/2022
4.7/5
378 reviews

Why compare life insurance with MoneySuperMarket?

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Who underwrites Royal London insurance?

Royal London has a team of in-house underwriters and is underwritten by itself.

Can I pay Royal London in monthly instalments?

Yes, you can pay for your policy in monthly instalments, or pay annually for Royal London life insurance.

How long does it take to get your life insurance money from Royal London?

As soon as Royal London have all the information they've asked for and your claim has been accepted, they make the payment and funds usually clear in three to five working days.

Do I need life insurance?
Wondering if you need life insurance? This useful guide will help you understand if and when you should invest in a life insurance policy.

Self-employed life insurance
Employers often offer life insurance or death-in-service benefit as an employee perk. But self-employed workers will need to buy their own cover.

Relevant life insurance guide
Relevant life insurance is a type of life insurance offered by employers to employees as part of a workplace benefits package.

View all

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  • What is terminal illness cover? We can’t plan for a terminal illness, but adding terminal illness cover to your life insurance plan will help should the worst happen. Even if you are no longer here, terminal illness cover is a valuable protection to take care of you and your family.
  • Single vs joint life insurance If you’re in a couple, and especially if you have children, you should both have cover to protect your family. Your choice is between each having your own, separate policies, or having a joint policy that covers you both.
  • How smoking affects your life insurance premiums Being a smoker can increase your life insurance premiums by more than half because you are seen as a higher risk of making a claim. But by quitting, you can dramatically reduce the amount you pay, as we explain here.
  • Life insurance and medical records Life insurance can be a financial lifeline to your dependents if you die, but when you take out a policy you may need to share information about your health and medical records with your insurer. We explain here what details are needed and how to access them.
  • Do I need life insurance for a mortgage? A mortgage is one of the main reasons many people choose to get life insurance. It provides a safety net if you die leaving behind financial dependents who will need to cover the mortgage payments.
  • Life insurance gift card Getting life insurance can be a wise choice to protect your loved ones financially. If you’re thinking about taking out a policy, then compare quotes with MoneySuperMarket and we’ll include an shopping gift card*
  • Compare LifeSearch Life Insurance Quotes Find the best life insurance policy for your needs with our partner, LifeSearch.
  • Four in ten Brits want their ashes scattered overseas - but hidden costs could leave families out of pocket For many Brits, funerals are a subject often left for ‘another day’. Yet our research revealed that almost nine in 10 people (88%) haven’t considered the costs involved - a gap that could leave families facing unexpected, and often significant bills. 
  • What are the different types of life insurance? Life insurance pays out a sum of money to your loved ones if you die. There are lots of policies to choose from, from those which just cover your mortgage payments, for example, to those which pay out a sum of money no matter when you die. In this guide, we’ll outline the different types of life insurance available along with the benefits of each to help you decide which one is right for you.
  • What happens to someone's debts when they die? No one wants to think about their own death, but if you do die unexpectedly your loved ones could be left with a financial headache if you’ve unpaid debts. These will usually be paid off by your estate but unless you’ve made arrangements in advance, this can be confusing for relatives to deal with when they’re grieving.
  • Waiver of premium If you are unable to work due to a serious illness or injury, this special rider you can add to your life insurance will waive your life insurance premiums until you're recovered. Learn how it all works in this guide.
  • What is term life insurance? Term life insurance policies will give you life cover for a limited time. In this guide, we'll outline how term life insurance policies work and whether a term policy is right for you.
  • What is level term life insurance  In this guide, you’ll learn what makes level term life insurance different from other policy types. Find out if this life cover is right for you. 
  • Understand life assurance and how it differs from life insurance Life assurance and life insurance are both policies which pay out a sum of money if you die. However, they work in different ways, and here we explain how each works so you can decide which might be right for you.
  • How trusts work when it comes to life insurance Life insurance provides your loved ones with a lump sum of money if you die unexpectedly, which they can use to put towards things like mortgage payments. But unless you put the policy in trust, it may be subject to inheritance tax, of 40%, when you die.
  • How to claim life insurance There’s plenty to think about when a loved one dies. Besides grieving, there are funeral arrangements, and if you are in charge of handling the estate you need to know how to claim life insurance.
  • Why do you need life insurance? Life insurance provides financial protection in the event of your death and gives your family and loved ones a lump sum of money to cover your income. This means they can stay in their home and pay for all the costs your salary contributed to.

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Reviewed on 11 Dec 2025

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