Royal London review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Royal London suits UK adults who want life, critical illness and income protection from a single insurer, with cover open to ages 18-88. Advised life cover starts at £5 a month, and every policy listed runs on a monthly model.
Key facts
- Best for
- One insurer for life, critical illness and income protection, paid monthly from a low entry premium.
- Premium from
- £5 (Source, checked September 26, 2026)
- Insurance types
- Life, Critical-illness, Income-protection (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Cover limit
- Income Protection: up to GBP 250,000 a year (Source, checked September 26, 2026)
- Claims channels
- Online, Phone (Source, checked September 26, 2026)
- Age range
- 18-88 (Source, checked September 26, 2026)
- Legal entity
- The Royal London Mutual Insurance Society Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 1861 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- royallondon.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Advised life cover starts at £5 a month, under the €8.37 site median.
- The range covers life, critical illness and income protection under a single insurer.
- Income protection pays Income Protection: up to GBP 250,000 a year.
- Claims run on online and phone, so a claim can start online or by phone.
Cons
- Existing customer support runs on phone and help centre only, with no email or live chat channel listed.
- The monthly model leaves no annual single payment option listed.
Who it suits
- UK adults buying a first protection policy, with cover open to ages 18-88.
- Seniors, the stated audience, who want life and income cover held in one place.
- People near retirement who prefer a firm founded in 1861.
Who should look elsewhere
- Good Sam Insurance Agency, whose auto, home and renters list covers home, auto and pet lines as well as life.
- Linxea, where the listed entry premium is €25 rather than a pound figure.
- Oney Préstamos ES, listed at €1,000, for readers with a higher budget to compare.
How your money is protected
Royal London is an insurer, so the policy sits with the insurer and premiums are paid to it directly. It is authorised in the UK by the Prudential Regulation Authority under 117672, and that licence reference is the one to quote if you want to check the firm's regulatory status for yourself.
The company behind it
The legal entity is The Royal London Mutual Insurance Society Limited, headquartered in the United Kingdom and founded in 1861. Existing customers reach the firm on phone and help centre. That same Prudential Regulation Authority reference, 117672, covers the company as a whole, so there is a single named counterparty behind the cover.
How Royal London compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9Its starting premium is €25, which gives readers on a tight budget a second figure to weigh against £5 here.
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2- 9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
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
What does cover start at?+
Advised life cover starts at £5, and the site median for premium from is €8.37, so the entry point sits below the typical figure. Royal London places 100 of 252 brands on that same measure.
Can I pay monthly?+
Yes. Monthly payments are available and the monthly model is the only one listed, so premiums come out of your account each month rather than as one annual payment. That suits readers who budget monthly, though the cost keeps running for as long as you hold the policy.
Is Royal London regulated?+
It is. The firm is an insurer authorised in the UK by the Prudential Regulation Authority under 117672, and the legal entity named on the policy is The Royal London Mutual Insurance Society Limited. As an insurer it carries the risk itself rather than placing it elsewhere.
How do I make a claim?+
Claims run on online and phone, so a claim can start online or by phone. Support for existing customers runs on phone and help centre, and income protection pays Income Protection: up to GBP 250,000 a year, so check that figure against your earnings before you apply.
Who is this cover aimed at?+
The stated audience is seniors, and the entry age range is 18-88, so adults right across a long working life can buy. The cover types listed are life, critical illness and income protection, which suits readers after protection rather than a savings product.
Where is the firm based?+
The legal entity is The Royal London Mutual Insurance Society Limited, based in the United Kingdom and founded in 1861. Trading history matters less than the current wording, but a single named company behind the policy makes it straightforward to see who carries the risk.
How does it compare with the other providers here?+
Linxea lists €25 and Oney Préstamos ES lists €1,000 on the same measure, while Good Sam Insurance Agency covers auto, home and renters. Royal London is priced in pounds and stays focused on life, critical illness and income protection for UK customers.
Sources
- royallondon.com/about-us/how-we-are-run/our-history checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“Founded in 1861 in a London coffee shop, Royal London began as a Friendly Society”
- royallondon.com/existing-customers/contact-us checked September 26, 2026
Backs: Support channels
“You can call us on 0345 602 1885. Lines are open 8am to 6pm, Monday to Friday, excluding bank holidays.”
- royallondon.com/insurance checked September 26, 2026
Backs: Audience, Claims channels, Insurance types
“Over 50s policy”
- royallondon.com/insurance/illness-income-protection/incom... checked September 26, 2026
Backs: Cover limit, Provider type
“We can cover up to 65% of the first £60,000 of your pre-tax earnings, plus up to 50% of the remainder, up to £250,000 a year.”
- royallondon.com/insurance/life-insurance/advised-life-cover checked September 26, 2026
Backs: Age range, Pricing model, Monthly payments, Premium from
“You can apply if you're a UK resident aged between 18 and 88”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Royal London
One insurer for life, critical illness and income protection, paid monthly from a low entry premium.