Royal London Life Insurance Overview

Royal London life insurance offers a financial safety net for loved ones by paying a lump sum if you die or fall terminally ill during the policy term. Choice of life cover options including level, decreasing, over 50s and whole of life insurance.

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Written by Tim Leonard

Last updated on 16 August 2022.

Royal London life insurance FAQs

Who is Royal London?

Royal London is the largest life, pensions and investment mutual in the UK, and offers a range of products from life insurance to personal pensions and equity release. Royal London was originally a friendly society when it was established in 1861 and converted to mutual status in 1908.

Royal London has acquired and rebranded many businesses, including Royal Liver, Scottish Life, Bright Grey and Scottish Provident. As at 31 December 2021, the group reported 8.8 million policies in force and £164 billion of funds under management across its various products.

How does Royal London life insurance work?

With Royal London life insurance, you pay a monthly premium for a life insurance policy which will pay out a tax-free lump sum should you die, or if you are diagnosed with a terminal illness, during the policy term.

The life insurance premiums you pay will depend on the type of life cover you choose, how large the lump sum payment will be and how long you want the cover to last. Personal details such as your age, health, job and lifestyle are also taken into account when determining the price you’ll pay for Royal London life insurance.

» COMPARE: Life insurance

What type of insurance policies does Royal London offer?

Canada Life offers a number of life insurance options including:

  • level term life insurance
  • decreasing life insurance
  • over 50 life insurance
  • life insurance with critical illness cover
  • life insurance with income protection
  • whole of life insurance
  • diabetes life cover
  • business protection

» MORE: What are the different types of life insurance?

HHow do I make a Royal London insurance claim?

Regardless of the type of policy you have taken out, whether you took advice through a financial adviser, or you took the policy out without advice, Royal London can process most claims via the phone Monday to Friday. You can also make a claim in writing, however, it's recommended you call Royal London first to establish the correct process so that your claim is processed efficiently.

Can I cancel my Royal London insurance?

Yes, you can cancel Royal London life insurance whenever you like by calling them. You can also email, submit an online form, or get in touch by post with your request.

If you cancel within 30 days of receiving your welcome pack, Royal London will refund the premiums you’ve paid. Cancel any time after 30 days and you won’t receive a refund.

What do I need for my Royal London life insurance application?

When applying for life insurance from Royal London, you’ll need to give your name, address, date of birth and contact details. Also be prepared to answer questions about your health and any medical conditions that might run in your family. Royal London will also want to know what you do for a job and have questions about your lifestyle, including whether you smoke or drink alcohol.

It’s essential to answer everything as honestly as possible to avoid the risk of your policy being invalid and potentially not paying out if a claim is made.

» MORE: Life insurance for smokers

Where can I find Canada Life insurance reviews?

Royal London life insurance reviews at Feefo currently result in an overall rating of 4.6 stars out of five for both customer service and the product.

Trustpilot offers a more general appraisal of Royal London overall, taking into account customer reviews of products and services beyond just life insurance. Here, Royal London currently receives an average rating of 3.6 out of five.

Ratings are correct as of 28 June 2022.

Where can I find the Royal London login and contact details?

There are two different Royal London life insurance logins, depending on whether your policy is originally from Royal London or another provider the group has taken over. These providers include Refuge Assurance, Royal Liver, United Friendly, Canterbury Life or National and Provincial Policy - visit its website to find out the correct and up to date details.

About the author

Tim draws on 20 years’ experience at Moneyfacts, Virgin Money and Future to pen articles that always put consumers’ interests first. He has particular expertise in mortgages, pensions and savings. Read more
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