Royal London

Royal London is the UK's largest mutual life and pensions company -€“ meaning it's owned by its customers and not by private shareholders.

Royal London was established in 1861, making it one of the UK's oldest mutual insurance societies.

As well as the Royal London brand, it also owns the Scottish Provident and Scottish Life brands, which merged under the parent brand in 2015. It has only recently launched products which are available for customers to buy directly - and its life insurance product is one of the first.

Royal London
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Life insurance

Ranked 15th of 25 providers reviewed.

Claims score 96.28%
Complaints performance 78.99%
Transparency rating 75%
Fairer Finance score
Reviewed Spring 2019
72%

Funeral plans

Royal London

Traditional (Burial)

4 stars
Disbursement (3rd party costs) allowance i Guaranteed
FPA-registered provider? i
Transfer radius i 25
What index is the disbursement linked to? i Guaranteed
Quality of coffin i Veneered
Cooling off period (days) i 60
Is a hearse included? i

Royal London

Traditional (Cremation)

4 stars
Disbursement (3rd party costs) allowance i Guaranteed
FPA-registered provider? i
Transfer radius i 25
What index is the disbursement linked to? i Guaranteed
Quality of coffin i Veneered
Cooling off period (days) i 60
Is a hearse included? i

Direct cremation prepaid funeral plan

Royal London

The Alternative Cremation Plan

4 stars
Disbursement (3rd party costs) allowance i Guaranteed
FPA-registered provider? i
Transfer radius i Anywhere in the UK
Is there no extra cost for collecting the body from a private home or nursing home? i
Collection of the deceased i 24 Hour
Cooling off period i 30 days

Life insurance

Over 50s life insurance

Royal London

Over 50s Life Cover

5 stars
Cover for accidental death in waiting period i Full payout
Waiting period i 12 months
Premium ending age i 90
Can you reduce monthly payments? i
Missed payments allowance i 60 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option £300