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Royal London Life Insurance Review 2024

There are lots of things to consider when buying insurance and it can be hard to know which insurance provider is best for you. Royal London is an insurance provider that offers a wide range of policies and pricing, but it’s possible you’ve never heard of them or don’t know much about them.

They are one of the UK’s biggest and best insurance providers, having been operating since 1861. Here, we will explain everything you need to know about Royal London and their policies, to help you decide if they seem the right choice to protect your loved ones.

They are well known for providing life insurance for people with pre-existing medical conditions, so if you have been struggling to find cover Royal London could be a good option for you.

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60-Second Summary – Royal London life insurance

Royal London is an award winning UK life insurance provider that is well known for offering top quality life insurance to people with pre-existing medical conditions – with a specialist diabetes life insurance policy.

  • Royal London sells a range of policies to help protect you and your loved ones against financial difficulties including life insurance, critical illness cover and income protection insurance.
  • Royal London is one of the best life insurance providers in the UK for applicants with diabetes, having worked hard to develop a specialist diabetes life insurance policy. This can make things much simpler and easier to get the cover you need even with high HBa1c readings or other complications.
  • If you want more information about Royal London life insurance or you don’t know if they are the right choice for you, you can get FREE and friendly advice from an expert life insurance specialist.

Royal London has over 150 years worth of history and expertise when it comes to UK life insurance, pensions, investments and more.

They are a highly rated provider, having won Money Marketing Best Protection Provider 2022 and Protection Guru’s Best Insurer for Protecting Hard to Cover Clients 2022. They also have a rating of 4.6 out of 5.0 stars on independent customer review site Feefo.

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Royal London policy typeRoyal London Life insurance
What are the premium options?You can have guaranteed premiums (the monthly payments will always stay the same) or reviewable premiums (the monthly payments can increase or decrease)
What policies are available?Family life insurance (Level term)
Mortgage life insurance (Decreasing term)
Family income benefit
Whole of life insurance
Over 50s life insurance
Royal London diabetes life insurance
Royal London Direct Life insurance (level or decreasing term)
Royal London Advised life cover (level, decreasing or increasing cover)
Increasing life insurance (amount of £s you are covered for will increase over time)
Can I get a joint life insurance policy?YES – you can have single life cover, joint life (first death) or joint life (second death, known as dual life cover).
Will I have TERMINAL ILLNESS BENEFIT?YES – this is included automatically and pays out if you are diagnosed with an illness with a life expectancy of 12 months or less
Can I have Waiver of Premium benefit?YES – this can be added at an extra cost and works to cover your monthly payments for you if you cannot work due to illness or injury
How does increasing cover work?The amount your cover increases can be indexed which means changes are linked to changes in the Retail Price Index (RPI)*.  
You can also have increasing cover on a fixed rate of 2% – 5%.  
Your cover will increase by a minimum of 2% each year. The maximum increase is 10%.
Age limits for coverYou must be:  
Minimum 18 years old
Maximum 70 years old
Are there any exclusions?Your claim will not be valid for suicidal death within the first 12 months of your policy  
You cannot claim on terminal illness benefit if your diagnosis doesn’t meet the terms and conditions of your policy

If you have diabetes, you may have found it hard to get life insurance in the past. Insurers used to have a poor understanding of diabetes meaning your cover would be overly expensive or possibly even declined.

Royal London saw a gap in the market for life insurance for diabetics and worked hard to develop a specialised diabetes life insurance policy for people with diabetes to get the cover they need at a fair price. Royal London:

  • Can cover people with a high HbA1c reading (not always possible with other insurers)
  • Can reduce your monthly premiums each year (up to 40% decrease) if your diabetes is well managed and your condition is improving
  • Need less medical evidence than other insurers and the application can be a far quicker process than with other providers

We have worked with Royal London for years and are proud to be the UK’s #1 INSURANCE EXPERTS for diabetes life insurance. Our team of diabetes specialists has helped to protect thousands of families in the UK over the last 20 years.



It is possible you might need to speak to Royal London about a new or existing life insurance policy. It can be tricky to know which phone number to call when there is a long list to choose from. Here, we have put together a list of Royal London’s numbers as well as what each one is for, to make things easier for you:

To contact Royal London customer service (general advice) – Tel: 0345 602 1885

For Royal London policies bought before 2004 – Tel: 0345 050 2020

For policies bought from Royal Liver, Refuge Assurance or United Friendly – Tel: 0345 050 2020

For policies bought through a financial advisor or from Bright Grey – Tel: 0345 6094 500

For Royal London Over 50s life insurance policies – Tel: 0345 050 2020

For Royal London Over 50s life insurance policies (bought from the Post Office) – Tel: 0345 266 1484

For policies from Cooperative Insurance Services (CIS) – Tel: 0345 605 7777

For policies bought from Santander or Abbey National (now known as Royal London Retail) – Tel: 0345 741 3002

Note: All these phone numbers are accurate as of March 2023. Opening hours can vary.


There are a few key steps you will need to follow when claiming on a Royal London life insurance policy. You will need to certain details to hand when you get in touch to make the claim process as smooth as possible.

You will need to provide:

  • The policy holder’s policy number (if you have it)
  • The policy holder’s name, date of birth and address
  • Your name, address, contact number and relationship to the deceased (are you the next of kin?)
  • The date they passed away
  • If there is a will, Royal London will want the name of the executor of the will
  • The death certificate/certificate number

Royal London may also want to see:

  • Evidence of a name change (if applicable)
  • If the cover is decreasing, they may want proof of the amount remaining on your mortgage
  • They could need to see medical evidence (if you are claiming on your terminal illness benefit)
  • Birth certificate
  • Marriage certificate

It’s never nice having to claim on a life insurance policy and Royal London try to make the process as simple as they can for their customers.

Once Royal London has been notified about the policy holder’s death, the person claiming should be contacted within 5 working days. When the claim is approved, the money should be paid directly to your loved ones within 3-5 working days.

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

There are various reasons you might want to cancel your life insurance. You could have decided you don’t need as much cover now or maybe you have found a cheaper policy elsewhere.

We always advise some caution with this as you may not be able to get the same terms and pricing you have now. It is a good idea to have a new policy in place first so you are certain you can get a better deal.

Our EXPERT advisors can compare prices across the market to check available policies against your existing one to make sure you get the best price. It is also possible to review your policy to lower the cost without cancelling fully.

If you do want to cancel your policy, you should get in touch with Royal London over the phone (Tel: 0345 600 7788) or you can write to them at:

If you have any issues with your Royal London life insurance policy, you are always entitled to submit a complaint. Royal London have processes in place to deal with any customer complaints as quickly as they can.

You can submit a complaint to Royal London using their online form here: Royal London – Make a complaint

If you’re unhappy with how Royal London has resolved your complaint, you can contact the Financial Ombudsman Service (FOS) for free advice and support.

Financial Ombudsman Service Logo

Making a complaint to the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.

Telephone – 0800 023 4567 (or 0300 123 9123)

Telephone (outside the UK) – 0207 964 0500


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What to do if you can’t find life insurance

There are certain options and support mechanisms that are available to you if you’re struggling to find life insurance. One of the bodies to support consumers with life insurance is the British Insurance Brokers Association (BIBA) which covers all insurance services in the United Kingdom.

BIBA provides a Find Insurance service that allows you to search for a recommended member who might be able to help you.

Telephone (Insurance Help)- 0370 950 1790

Telephone (General Enquiries) – 0344 7700 266


Here, we have some of the benefits of Royal London’s life insurance policies:

  • Royal London Personal Menu Plan works by letting you mix and match multiple types of cover e.g. life insurance and income protection into one policy with one monthly premium
  • HelpingHand support service is available with Royal London life and critical illness cover policies and offers mental wellbeing support and access to HealthHero (virtual GP services) and the TrackActiveMe app for physiotherapy advice.
  • Dual life cover allows you to have joint cover but allows each partner to have different levels of cover and the policy does not end after one partner’s death (not available with all policies)
  • Underwrite Later is included with certain policies (Whole of Life plans and Personal Menu Life Cover) and provides 6 months worth of cover from the moment you submit your application before the full application is approved
  • Serious Illness Benefit will pay out up to £350,000 if you (or one of your children) is diagnosed with one of the following: cancer, stroke, heart attack, MS, benign brain tumour or dementia

Critical illness cover can be a great help if you were to become seriously, paying out a cash lump sum to help support you during your recovery or making permanent adjustments.

Royal London lets you buy critical illness cover on its own or as a combined policy with either life insurance or income protection insurance (Personal Menu Plan). These policies will pay out if you are diagnosed with one of 73 serious medical conditions.

Royal London policy typeRoyal London Critical Illness Insurance
What are the premium options?Royal London offer guaranteed premiums for critical illness cover (you will always pay the same each month) and reviewable premiums (the amount you pay can vary over the term of your policy)
Is there a minimum policy term?Royal London critical illness cover has a minimum term of 5 years (maximum term 50 years)
What policies are available?Level term critical illness cover (family protection)
Decreasing term critical illness cover (mortgage protection)
Increasing critical illness cover (Indexed) Combined life and critical illness cover
Can I get a joint critical illness cover policy?YES – Royal London provides single and joint (pays out once for one partner) and dual life (pays out once for each partner) critical illness policies
Can I get children’s critical illness cover?YES – Royal London children’s critical illness insurance will cover your children up to age 22 (23 if in full time education)  
Children will be covered:  

For all conditions covered in an adult policy (46 conditions with 100% payment, 27 50% payment up to £30,000)  
They will also include total permanent disability cover for your child  

You can add on enhanced cover for an extra cost, which covers 13 child specific conditions. It also allows your child to convert their policy to adult cover within 6 months of the child policy ending (no medical underwriting needed).
What illnesses/conditions are you covered for?Pays out for 73 conditions
46 conditions will pay out 100% of the amount you are covered for (sum assured)
27 conditions will pay out 50% of the amount you are covered for (sum assured), up to £30,000 at most
Age limits for coverYou must be:  
Minimum 18 years old
Maximum 69 years old
(You can be covered up to the age of 84)
Are there any exclusions?The condition must be specified in the terms and conditions of your policy to be able to claim.  
You must survive for more than 10 days following diagnosis for a valid claim.

Royal London also sells income protection insurance, which can be incredibly useful for providing financial support when ill or injured. Income protection will pay out a monthly tax-free income if you cannot work for 4 weeks or more (signed off by a GP/doctor).

Royal London income protection insurance:

  • Covers up to 65% of your pre-tax earnings (for the first £15,000 earned)
  • Covers up to 55% of the amount earned over £15,000 (up to £25,000 maximum per year)
  • Covers regular fixed payments/overheads e.g. rental costs for those who are self employed
  • Cover fractures and hospitalisation as standard (at NO EXTRA COST)
  • Pays out ‘back to work payments’ to support you in your first 2 months returning to work (for policies with 13, 26 or 52 week deferment periods)
  • Will pay out an additional payment of 12 times your monthly payment (premium) if you were to die during the term of your policy
  • Never pays out less than either your agreed amount of cover or £1,500 (whichever is lower, maximum payment increases to £3,000 for doctors or surgeons)

Find out more about INCOME PROTECTION.


Royal London policy typeRoyal London Income Protection Insurance
What policies are available?Short term income protection (can claim for 1 or 2 years, can claim more than once)
Long term income protection (can claim for 5 years, or the whole policy term)  
Minimum policy term is 5 years
What type of cover is available?Level term income protection (your monthly premium payments and level of cover will never change)
Decreasing income protection (your monthly premium payments and level of cover will decrease over time)
Increasing income protection (your amount of cover and payments will increase each year)
How does increasing cover work?You can have a fixed policy (your amount of cover will increase at a rate of 2%-5% each year) or an indexed policy (the amount of cover increases based on the Retail Price index, between 2%-10% each year)
What deferred periods are available?4 weeks
8 weeks
13 weeks
26 weeks
52 weeks
Are there any extra benefits included?YES – fracture and hospitalisation are covered as standard. You can also receive:  

Back to work payments in your first 2 months of returning to work  
Increased payments of £3,000 for doctors or surgeons  
Additional pay out of 12 times your policy premium if you die during the course of your policy
Am I covered for redundancy?NO – Royal London does not pay out for redundancy or being dismissed from your job role
Can I have Waiver of Premium benefit?YES – you can add waiver of premium benefit to your policy for an additional cost
Is Royal London income protection good for medical professionals?Royal London offers a special deferred period for NHS employees to match up with NHS sick pay periods.  

You will start receiving sick pay as soon as your sick pay allowance halves, no matter how long you have been an NHS employee.  

If you want to buy a policy from Royal London, you can contact them directly or speak to one of our insurance EXPERTS for extra help and support. Our team have worked with Royal London for years, and can help you choose the perfect policy to protect your home and family.

We will also check prices and policies across the market to make sure you’re getting the best deal by choosing Royal London. We never want you to pay more than you should and can tell you exactly which insurers offer the lowest pricing for the level of cover you need.


Royal London – Our 2021 claims experience

Finder.com – Life insurance statistics

Statista – Life insurance industry in the UK: Statistics & Facts

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Is it worth paying for life insurance?

Yes, if you’ve got children or financial dependents then you should have life insurance to protect them if you die. Martin Lewis and the Financial Conduct Authority recommend that you take out life insurance to protect your family and your home. Generally, life insurance premiums start from as little as £5 per month and will be cheaper for younger adults.

Common myths about life insurance:

  • Life insurance won’t pay out (pays out 98% of claims)
  • People with medical conditions can’t have life insurance
  • Life insurance is expensive
  • Savings can be just as effective as life insurance
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Is life insurance worth it? - iam|INSURED

What is the average cost of life insurance per month?

Based on recent research carried out, the average cost of life insurance is approximately £38 per month and the average level of cover is £152,000. Life insurance premiums also vary dramatically from one insurance provider to another and you can reduce your monthly premiums by shopping around.

Fundamentally, life insurance premiums vary depending on your age, health and the amount of cover that you need, starting from as little as £5 per month. You can also get life insurance to protect your family and your home against financial loss if you die.

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Average cost of life insurance - iam|INSURED

What does life insurance cover you for?

Life insurance is a monthly renewable ‘term insurance’ contract that pays out a cash lump sum or regular payments on death to your family or beneficiaries. Policies are most commonly used for family protection or mortgage protection for your loved ones if you die and your household income reduces, plus the additional issues of losing a parent or carer.

Traditional life insurance will not exclude any pre-existing medical conditions and will cover suicide after 12 or 24 months. You can also use life insurance for business protection purposes as well as tax-efficient business life insurance for directors or key people.

What are the disadvantages of life insurance?

The biggest and most common problem that consumers have with life insurance is the cost and the monthly premiums. This is the top reason for policy cancellations and why more people don’t take out life insurance to protect their family.

Another key disadvantage with life insurance is that it holds no investment value, nor can you cash it in. Life insurance works like any other traditional general insurance policy (e.g. car insurance, house insurance, pet insurance etc.), you pay a monthly premium and it will pay out in the event of a claim. Some people decide to use savings instead of taking out life insurance but you need to make sure that you have sufficient savings to cover the costs of death for your family.

Why do I need life insurance?

The fact is that nobody actually ‘needs’ life insurance, but it is strongly recommended that families and couples have cover to protect their loved ones in the event of death. Martin Lewis recommends life insurance and says “this is something that every parent, partner, or person with any other type of dependent needs to consider”.

Life insurance financially protects your loved ones if you die and pays out a cash lump sum to repay your mortgage, pay for school fees, replace lost income, and pay for regular outgoings. Mortgage life insurance is not linked to your mortgage debt so you can use it to pay off some or all of your mortgage.

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At iaminsured.co.uk, we believe in much more than just insurance policies; we believe that everyone is unique and should be treated with the fairness that they deserve. We also believe in providing the very best financial protection, and giving you peace of mind to continue with your busy life without the stress or worry of what might happen.

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Our Mission: To provide easy access to fair pricing, affordable protection and the very best financial security to families and individuals. We are dedicated to offering comprehensive insurance solutions that safeguard the well-being of our policyholders. Guided by integrity, transparency, and a commitment to excellence, we strive to empower consumers and families to face the future with confidence. Our mission is not just about policies; it's about protecting dreams, ensuring legacies, and being a trusted partner on life's journey.

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