Founded in 1861, we're the UK's largest mutual life, pensions and investment company. Our excellent customer service and our mutuality means we can give customers that little bit more, and you can trust us to be there for you when it counts. We offer a range of pension products to suit your needs. They're only available through a financial adviser or your employer - as we believe it's the right thing to do.
Could it be time to give your pension some attention? Pensions can appear complicated so we've partnered with Pension Awareness Live to help you get to grips with your pension savings. We're working alongside Year Here and School for Social Entrepreneurs to create, develop and invest in bold ideas and sustainable solutions to help build people's resilience to life shocks.
Could it be time to give your pension some attention? Pensions can appear complicated so we've partnered with Pension Awareness Live to help you get to grips with your pension savings. We're working alongside Year Here and School for Social Entrepreneurs to create, develop and invest in bold ideas and sustainable solutions to help build people's resilience to life shocks.
Services
We are the UK's largest mutual life, pensions and investments company, providing a range of great products and services to help our customers. We want to make a difference to the lives of our customers. Our social impact work focuses on tackling financial vulnerability and building resilience - helping prevent life shocks becoming a crisis.
For more than 150 years, we have been helping families plan for the unexpected with our range of insurance. We have a number of products, available to buy directly from us or through an adviser, giving you plenty of choice when it comes to finding insurance that suits you down to a tee.
From our humble beginnings in Moorgate to becoming the UK's largest mutual insurer, we have grown into one of the most trusted life insurance providers in the market.Last year alone, we paid out over 575 million in claims and 99.7% of all claims received were paid - proving that no matter which insurance product you choose, you can count on us when it matters most.
From our humble beginnings in Moorgate to becoming the UK's largest mutual insurer, we have grown into one of the most trusted life insurance providers in the market.Last year alone, we paid out over 575 million in claims and 99.7% of all claims received were paid - proving that no matter which insurance product you choose, you can count on us when it matters most.
So, if you want to leave something for your family, we think our life insurance products are worth a look. It only takes a few minutes to get a quote and to find out if you're eligible for cover. Life insurance may also be known as life cover or life assurance. Cover may be obtained to financially help your loved ones if you were to die during the length or term of your policy.
Our Life Cover provides protection for your loved ones if you die or become terminally ill. This could help pay off the mortgage on the family home or any debts you might have. And because not everyone knows what cover they need or how much, we offer tailored life insurance plans designed to fit around you and your family.
People want peace of mind knowing their families or businesses will be taken care of if the worst were to happen. Our Whole of Life Plan is designed for people who are thinking about inheritance tax (IHT), providing for their families after they're gone or making sure their businesses are protected against their death.
Reviews (12)
Aquinah Dee
Dec 18, 2021
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This is the worst insurance provider ever, i have several insurances with them including income protection insurance. Since i was ill in march with several surgeries proof and evidence provided they have decided to finalise the case now 7 months later saying that after my first operation it was not 4 weeks deferred then my second operation is being… treated as a seperate episode and again not 4 weeks deferred so cant pay. My subsequent operatiosn were as a result of complications and had mrsa and sepsis so it was not a seperate illness and i never returned to work in between as i was bed
Julie Henshall
Nov 27, 2021
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Tanpinnu Samuel T.
Nov 20, 2021
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Ivy Crossthwaite
Nov 02, 2021
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Discussing how they treat you at the worse time when you lose your loved ones, they never ring you when they say they will lose your paperwork 3x. Don't tell you when the company they send you with goes bust, dismiss your complaint, say you already are to the ombudsman, and you are not told. This company needs put out of business as they DONT payout.
Tina Clapperton
Nov 02, 2021
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David Campbell
Oct 19, 2021
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Keith Tomlinson
Oct 08, 2021
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Jaime Petremendo Val
Sep 06, 2021
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Very poor customer service. I have been chasing them for months now just to get my pension transferred from my previous provider. No updates at all, they do not send the documents when they say they will. I have just tried to contact this morning and they put the phone down on me after being on hold for several minutes . I had to chase them just to know they needed my authorisation to proceed, which they never asked for. Seriously do not use them if you can
Fearn Allie
Jul 14, 2021
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Terrible service, they are happy to take your money each month for twenty years but most unwilling to give it back. Their GDPR policy seems non-existent, they're happy to not worry about your identity when they are receiving money but when you'd like it back, you have to prove you exist several times over. I do not recommend them at all.
Mark Curtis
Jun 21, 2021
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Informed them of the sad passing of my mother (after a 30 minute wait in a phone queue and two re-directions). They promised to send forms for a claim via email within 24 hours, yet no forms ever arrived via said email. They also, despite me “passing” their ID checks to give me (as her son and executor) any valuation of her policies. Eventually their claim forms arrived in the post a week later, and were sent back the next working day. I called for an update today but after another 20 demonstrably ill-spent minutes in a phone queue to just obtain a valuation (again) I just gave up. Returned
Ryan Maher
Aug 03, 2020
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Speaking as a former employee, who had the misfortune of working for RLAM until recently. I would describe the culture and working environment as a toxic wasteland of opposing factions acting in uncoordinated opposition to one another. A company that prioritises appearance over substance, fake words over meaning, procedures written for everything, but followed for nothing. If you desire a culture of sitting at your desk with little to do until your manager leaves for their post-peak rail journey, then this is the place for you; If you desire stressful arguments over trivialities at the expense
Pedro Santos
Nov 26, 2019
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