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Royal London review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Royal London suits people buying personal insurance in the UK who want cover held with the insurer itself rather than through a broker, with premiums starting at £5 a month. It is a mutual insurer run by The Royal London Mutual Insurance Society Limited, and cover runs from 18-88.

Key facts

Best for
UK households wanting personal insurance with monthly premiums from a mutual insurer.
Premium from
£5↗
Insurance types
Life, Critical-illness, Income-protection↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
Income Protection: up to GBP 250,000 a year↗
Claims channels
Online, Phone↗
Age range
18-88↗
Legal entity
The Royal London Mutual Insurance Society Limited↗
Headquarters
United Kingdom↗
Founded
1861↗
Support channels
Phone, Help-centre↗
Audience
Seniors
Pricing model
Monthly
Official website
royallondon.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXTrustpilotLinkedInfacebook.com

Pros and cons

Pros

  • Monthly payments are available on the life cover, so costs spread rather than arrive in one bill
  • Cover is written by an insurer, not a broker, so The Royal London Mutual Insurance Society Limited sits behind the policy
  • Life, critical illness and income protection sit under one roof, with income protection paying Income Protection: up to GBP 250,000 a year
  • Regulated in the UK by the Prudential Regulation Authority under 117672

Cons

  • Support runs on phone and help centre, so there is no live chat or email route listed
  • Claims are handled on online and phone only, so no branch or in person route is offered
  • Cover is limited to life, critical illness and income protection, with no home, car or travel policies in the range
Royal London

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Adults in the UK looking for life, critical illness or income protection on monthly payments
  • Seniors comparing cover that runs to 18-88
  • People who prefer cover written by the insurer rather than arranged through a broker

Who should look elsewhere

  • Anyone wanting home, car or travel cover, since life, critical illness and income protection stops at personal protection
  • Buyers who want live chat or email, because phone and help centre covers phone and a help centre only
  • Shoppers set on a bunq or Linxea style savings account, as this is insurance rather than an account

How Royal London compares

Where Royal London is available

Available
United Kingdom
Licence in United Kingdom
Prudential Regulation Authority (117672), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does personal insurance from Royal London cost?+

Life cover starts at £5 a month, which sits below the €6.99 figure across listed life insurance brands. Monthly payments are available, so the premium is spread across the year rather than paid in one go.

Who regulates Royal London?+

The brand is regulated in the UK by the Prudential Regulation Authority, which is recorded in its licence details as 117672. The legal entity behind the policies is The Royal London Mutual Insurance Society Limited.

Does Royal London sell its own policies or act as a broker?+

It is an insurer, not a broker, so the cover is written by the company itself and backed by The Royal London Mutual Insurance Society Limited. That keeps the contract between the policyholder and the insurer rather than an intermediary.

What kinds of insurance are available?+

The range covers life, critical illness and income protection. Income protection is the largest of these, with cover of Income Protection: up to GBP 250,000 a year, so a policy can replace a large slice of earnings if illness stops work.

How is support offered?+

Existing customers reach the company on phone and help centre. Claims are handled over online and phone, so a policyholder can start a claim by phone or online without visiting an office.

Who is the cover aimed at?+

The audience listed is seniors, and the life cover runs from 18-88, so people well into later life can still be accepted. The company has operated since 1861 and is based in the United Kingdom.

Which countries does Royal London write for?+

Policies are written for the UK market, and the company is headquartered in the United Kingdom. Readers comparing savings accounts in other European markets would find separate providers such as bunq or Linxea instead.

How does the premium compare with other providers?+

On premium from, Royal London sits at position 103 of 251 brands listed. The starting figure of £5 is modest next to the €29.72 upper quartile across the wider set.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Royal London

Royal London

UK households wanting personal insurance with monthly premiums from a mutual insurer.

9.2/10See alternatives