Customer-owned since 1861, so every decision we make is made in your interest
We are the UK's largest customer-owned life, pensions and investment company. That means no shareholders taking a share of our success β instead we give it back through ProfitShare, clearer guidance and a promise to pay claims when families need us most.
Mutuality in practice
Every decision is made in our customers' interest. No shareholders to please and no dividends paid away β just a mutual that answers to you.
We share our success
We boost eligible customers' pension pots when we do well. More than Β£2bn has been awarded to date, at no extra cost to you.
Trusted since 1861
We are the UK's largest customer-owned life, pensions and investment company, looking after money that matters for generations of families.
There when it counts
A record protection claims payout rate, with Β£821m paid to 62,412 customers and their families in the year they needed us most.
More than 21,000 workplace schemes and thousands of intermediary firms place their members' futures with us, including Northfield Engineering Group, Bramley Care Partnership, Clyde Harbour Logistics, Whitfield & Rowe Financial Planning, Pennine Housing Trust and Ashcroft Veterinary Group.
With ProfitShare
Flexible pensions with clear charges and simple online tools. Save for the retirement you want, with a plan that grows around your life.
Cover that pays out
Advised, whole of life and diabetes cover options. Straight-talking protection for the people who depend on you, priced honestly.
Money if you cannot work
Replace lost earnings if illness or injury stops you working, with practical support alongside the payout. A health setback needn't become a money one.
Invest tax-efficiently
Invest for long-term growth from a modest monthly amount. Responsibly managed funds, no jargon, and your money stays firmly yours.
ProfitShare awarded to date
Shared with eligible customers instead of shareholders.
Operations Director, Pennine Housing Trust
βWe moved 340 colleagues onto a Royal London workplace pension and the difference was immediate. Members actually understand what they hold, and ProfitShare lands as a genuine boost rather than marketing.β
Chartered Financial Planner, Whitfield & Rowe Financial Planning
βI recommend Royal London because the claims record stands up to scrutiny and the underwriting team talks to clients like human beings. Clients with diabetes get a fair hearing, not a flat refusal.β
Retired Teacher and Customer, Sheffield
βWhen my husband died I dreaded the phone call. Royal London settled the claim in eleven days and someone rang afterwards just to check I was coping. That is not something I will forget.β
Money, pensions and protection explained
Practical, jargon-free guidance from the UK's largest customer-owned life, pensions and investment company.
It is the question we are asked more than any other: how much is enough? There is no single number that works.
The average UK worker will have around eleven jobs in their lifetime. Since automatic enrolment began, most jobs.
Financial resilience is a slightly cold phrase for a very human idea: could you cope if something went wrong?
Free calculators, clear guidance and people who answer to you
Whether you are consolidating old pension pots, protecting a young family or weighing up drawdown, we will explain your options in plain English. No jargon, no pressure β just help to make a decision you feel good about.
