Royal London

Royal London provides pensions, investments and life insurance, alongside illness and income protection.

Quick overview

Its website also offers retirement planning tools, guides, account services and information about insurance claims and bereavement.

Personal and workplace pensions are available through a financial adviser or an employer.
Life insurance options include term cover, whole of life cover and diabetes life cover.
Critical illness and income protection options are available through a financial adviser.
A Stocks and Shares ISA, investment information and fund factsheets are available.
Tools include a pension calculator, a retirement planner and an equity release calculator.

Introduction

Royal London provides pensions, investments and life insurance. Its pension products are available through a financial adviser or an employer.

The range includes personal and workplace pensions, Stocks and Shares ISAs, life insurance and illness and income protection. Royal London also provides retirement planning tools and guides.

What Royal London offers

Insurance options include term life cover, whole of life cover and cover designed for people with diabetes. Critical illness and income protection options are also available through a financial adviser.

The site lists pension drawdown, lifetime mortgages and a retirement planner. Customers can find information about managing plans and making insurance claims.

Product and service categories

Life insurance

Advised life cover is available through a financial adviser. It offers a choice of cover that increases, decreases or stays level during the plan. Whole of life cover has level or increasing cover options and is also available through a financial adviser.

Diabetes life cover is designed for people with type 1 or type 2 diabetes and is available through a financial adviser. The amount of cover stays the same throughout the plan, and an HbA1c test result is required.

Illness and income protection

Royal London offers critical illness cover, life or critical illness cover and income protection through a financial adviser. Critical illness cover can be combined with other cover types. Standard or enhanced children's critical illness cover can be added to a critical illness plan.

Pensions

The pension range includes personal and workplace pensions. Royal London also provides information about pension transfers and investment options. Pension guides cover pension allowances and how to top up a pension.

ISAs and investments

The ISA range includes a Stocks and Shares ISA. Royal London provides information about ISA transfers and investment options. Fund factsheets and a risk profiler tool are also available.

Equity release

Royal London lists equity release products, including lifetime mortgages and retirement interest-only mortgages. An equity release calculator is available. The site also provides equity release guides.

Browse the full range on the Royal London website.

More Info

Using the website

The website has a search feature and online account registration.

Guides cover life insurance, pensions, retirement and life events. There is also a financial adviser finder and information about how to make an insurance claim.

Notable features

Protection plans taken out through a financial adviser include access to support services, including a dedicated nurse and online access to medical services. These services are provided by third parties, are not part of the insurance contract and can be changed or withdrawn.

Royal London also provides bereavement support. Someone can notify the merchant of a death online or by phone. The type of policy determines how to get in touch.

Frequently asked questions

How are Royal London pensions available?

Royal London offers personal and workplace pensions. Its pension products are available through a financial adviser or an employer.

What cover options are available with advised life cover?

The cover can increase, decrease or remain level during the plan. Critical illness cover, income protection or life or critical illness cover can be added when the plan is taken out or later.

Can children's cover be added to critical illness cover?

Royal London offers standard and enhanced children's critical illness cover as options. The children's cover can be added or removed during the plan.

What tools are available for retirement planning?

The website includes a retirement planner and a retirement options calculator. It also provides a pension calculator and an equity release calculator.

How can someone register for online services?

Someone who has received an activation email can use it to get started. Someone without an activation email can register online using their email address.

What information might be needed when reporting a death?

Royal London may ask for the person's name, policy or plan numbers, and death certificate. If there is a will, it also asks for the executor's name if known.

Key takeaways

Personal and workplace pensions are available through a financial adviser or an employer.
Life insurance options include term cover, whole of life cover and diabetes life cover.
Illness and income protection options are available through a financial adviser.
The site provides retirement calculators, fund factsheets and guides.
Online services are available for certain plans, with registration through the website.

Summary

Royal London provides pensions, investments and insurance, with product options spanning life cover, illness protection and Stocks and Shares ISAs. Its website also offers account services, guides, calculators and information about claims and bereavement.