-
- Sitemap
Sitemap
Primary Navigation
Insurance
Pensions
- Pension Wise
- Personal pensions
- Workplace pensions
-
Investment options
- Fund prices and factsheets
- Governed Range
- The Fund Range
- Recent fund changes
- Investment performance
- Risk Profiler
- Investment Governance
- Scottish Life Fund bonus report
- Royal London market update
- Sustainable Fund Range
- Investing responsibly
- Investment pathways
- Fund performance watchlist
- The power of your pension
- Clear and simple communications
- Pension transfers
- Secret Life of Pensions
- Tools
- Pension Awareness Live
Articles and guides
- Bereavement articles
-
Life insurance articles
- Does having diabetes mean I can't get life insurance
- I can't afford my life insurance payments
- Should I change my life insurance when I retire?
- Will my family medical history affect my life insurance?
- Seniors and life insurance: am I too old?
- How to choose between income vs lump sum life insurance
- Looking beyond life cover: what if your income stops but you don't?
- How long does my life insurance need to last?
- How long do I need life insurance for? Term policies explained
- What to tell insurers when buying life insurance
- High-risk workers: what life insurance cover can you get?
- Should I stop my life insurance payments if my income has fallen?
- I’m a single parent – do I need life insurance?
- Where are the best places in England for families to thrive?
- Level term life insurance, explained
- Why putting your life insurance in trust might be the best thing you can do for your loved ones(2)
- I’ve got pre-existing medical conditions - can I still get life insurance?
- I’m single with no kids - do I need life insurance?
- Joint vs single cover - which type of insurance policy is right for me?
- Should I take out single or joint life insurance?
- Can I take out life insurance if I've been diagnosed with have cancer?
- Am I too old for life insurance?
- Do I need critical illness insurance?
- Is it compulsory to take out life insurance with a mortgage?
- I’m over 60. Am I too old for life insurance?
- What's the best life insurance for someone aged 70 and above?
- Is life insurance worth it?
- What is mortgage life insurance?
- I'm 60 and have cancer. Is life insurance worth it?
- What is life insurance?
- The difference between life insurance and critical illness cover
- What’s the best type of life insurance for me?
- Taking out life insurance on your parents or family member
- Frequently asked questions about life insurance and pandemics like the coronavirus
- Life insurance at Royal London – the application process explained
- How does over 50s insurance differ from other types of life cover?
- Financial implications of starting a family later in life
- Why choose mortgage life insurance?
- Life insurance – what type do I need?
- Revealed: The MUST have features for home buyers in 2021
- You’re turning 50 – what now?
- How mortgage life insurance can protect your family home
- What are the different types of life insurance
- Cancelling a life insurance policy
- Investment articles
-
Pensions & retirement articles
- How to look after your pension savings
- Why would I make an extra pension contribution?
- Power up your pension with a single contribution
- Six tips for your retirement plans
- COVID-19: putting more S and G into ESG
- Where to get the right support when your income drops during
- Getting ready for advice
- Are you worried about market volatility during coronavirus?
- 5 easy steps to plan the retirement you want
- Guide to pension freedoms
- Pensions glossary
- A guide to a secure income
- Investment types explained
- The tax rules and limits of your pension explained
- The tax rules when you want to take money from your pension
- Divorce and pensions
- Your pension questions answered
- What is a pension?
-
Your money articles
- What is a financial scam?
- The pandemic money scams to avoid
- How to budget for an uncertain future
- How to plan your finances when you cohabit
- Have you future-proofed your finances?
- When someone is ill
- Separation or divorce
- Power of Attorney
- Retirement
- Losing your job
- When someone dies
- Making a Will
- State benefits
- How to cut your bills
- Debt
- Budgeting
- Becoming a carer
- Not rich or famous? All the more reason you should take out life insurance
- Money, the new yoga
- Death in service vs life insurance
- Single or joint life insurance for couples?
- Buying life insurance - getting advice vs going it alone
- Why you might need to revisit your life insurance
- The factors that decide what your life insurance will cost
- The life events that mean it's time to review your life cover
- Life insurance and terminal illness
- Should I write my life insurance policy in trust?
- Death in service benefit ‒ is it enough?
- Why it's important to have life insurance for a stay-at-home parent
- Five financial things to consider when you’re over 50
- How behavioural economics can make us better at managing our money futures
- Why it's time to talk about money
- Why personal finance is still a gender issue
- Five life events that change your financial picture
- What are your priorities?
- First-time buyer? Here are some things you may want to think about when you buy your first home
- Coronavirus scams – how to spot and avoid them
- Why go for financial advice?
- Coronavirus: How to choose the right financial adviser to suit your needs
- Could you qualify for child benefits with a drop in income?
- Where else to get help with money and wellbeing during coronavirus
- Are you committed to your saving and spending?
- Podcast: Scams during the coronavirus pandemic
- Is financial advice the secret to feeling good about your money and yourself?
- Redundancy
- State Pension Leaflet
- Why your credit rating is important
- Why it’s a good idea to have an emergency fund
- How does your financial wellbeing compare to others?
- How to pay off your credit cards and loans faster
- Learn
-
Equity Release
- Why release equity from your home?
- Four things to consider if you're thinking about equity release
- Equity release: what is it and is it right for me?
- Three ways to release value from your home
- Equity release: the two types explained
- Your equity release advice questions answered
- Borrowing when over-55: Lifetime Mortgage or Retirement Interest-Only Mortgage?
- The real value of home improvements and renovations
- Equity release - the lifetime mortgage application process, explained
- Frequently asked questions about Lifetime Mortgages
- Financial wellbeing
- Podcasts
Existing customers
- Your products
- Help and support
- Retirement Account
- Lifestyle
-
Contact us
- Write to us
- Have you been contacted by Royal London?
- Abbey National/Santander
- Bright Grey
- Caledonian Life (ROI)
- Canterbury Life Policy
- Co-operative Insurance Society (CIS)
- Friends Provident
- Irish Life
- National and Provincial Policy
- Pegasus
- Progress Life Assurance
- Refuge Assurance
- Refuge Life
- Royal Liver
- Scottish Life
- Scottish Mutual Assurance
- Scottish Provident
- United Assurance Group
- United Friendly Life & Pensions (UFLP)
- United Friendly
- Mailings
- Fund information
-
Online service
- Download our mobile app
-
Register
- Royal London pensions since 2004 or Scottish Life
- Help
- Consultations
About us
- Our history
- Corporate information
- Our partnerships
-
Members
- Mutuality and membership
- Benefits and opportunities
-
Understanding your finances
-
How we manage your money
- What happens to your pension money?
- Getting the right mix for your pension
- How we make investment decisions
- What is asset allocation?
- What is a with profits investment?
- What happens when you invest with us?
- How does responsible investing benefit you?
- What is responsible investing?
- Your Q4 2020 outlook
- Your Q1 2021 outlook
- Your Q2 2021 outlook
- Your Q3 2021 outlook
-
Your personal finances
- Jargon buster: wills and end-of-life planning
- The penny drops podcast: Pride month and LGBT+ finances
- How to pay more into your pension with salary sacrifice and bonus sacrifice
- The penny drops podcast: Why is COP26 so important?
- The penny drops podcast: What is responsible investment?
- The penny drops podcast: Where to get financial help if you’re disabled
- The penny drops podcast: How to start your own business
- The penny drops podcast: Why it’s time to think differently about our finances
- The penny drops podcast: Why is protection insurance so important?
- The penny drops podcast: Your guide to mortgages and home buying
- Jargon buster: tax
- How to save money on your energy bills
- Things to do instead of making New Year’s money resolutions
- Jargon buster: credit and debt
- The penny drops podcast: Protecting yourself against financial scams
- The penny drops podcast: Getting your financial year off to the right start
- The penny drops podcast: Navigating your career as a woman or parent
- Jargon buster: insurance
- Managing your money during difficult times
- How to make a career plan
- Your guide to renting
- The penny drops podcast: Why we should all be talking about death
- The pros and cons of downsizing your home
- How to handle your finances during a divorce
- The penny drops podcast: Let's talk about pensions
- The penny drops podcast
- Should you put off taking your State Pension?
- Could you or a family member get a State Pension boost for looking after children?
- How to pay off your mortgage faster
- The pros and cons of flexible retirement
- How would you manage your finances if you couldn’t work?
- Coping with bereavement: steps to help you with your finances
- Can you leave a pension to your children?
- Why is life cover a good option further down the line?
- Will you still get taxed in retirement?
- What is an annuity and do you need one?
- Planning for end of life arrangements
- Planning a funeral for you or your loved one
- How to pay for long-term care
- Your mortgage checklist
- Helping your grandchildren financially
- Five ways to take your pension pot
- The financial impact of marrying in later life
- Understanding pension tax relief
- Is the pension gender gap affecting you?
- What help is there if you’re struggling financially?
- Five things you need to know about your student loan
- Thinking about retirement
- Five ways to save for your first house deposit
- How to prepare your pension for retirement
- Jargon buster: state benefits
- Are you missing out on help with your pension?
- Why is making a will important?
- Where to go to get help with debt
- What type of cover is best for you?
- What to think about before lending money to your children
- Prioritising your debts
- Simple steps to saving for a pension
- Should you take your debt more seriously?
- Is your pension protected?
- How to save for your children
- How to protect what's important
- Easy steps to help you save for your future
- How to read your payslip: tax codes
- How to read your payslip: pension deductions
- How to read your payslip: National Insurance
- How to boost your pension pot
- How can risk affect your retirement?
- Getting your children to save
- Getting the insurance you need
- Five reasons to stay in your workplace pension
- Don’t miss out on extra pension money
- Top 10: tips to manage your money
- 10 steps to building a financial plan
- Are you thinking about retirement early enough?
- Growing and changing
- Getting started with money
-
News and insights
- How do your investments affect tax?
- Investing for uncertain times
- Your guide to pension tax relief
- Should you save or invest?
- Can you invest without risk?
- How does inflation affect your money?
- Where to get information about your finances
- Helping to prevent mothers from ending up with reduced state pensions
- Your guide to the GDPR
- Beating money blues
- Are you entitled to any unclaimed money?
- How much do you know about financial advice?
- Keep track of your pension whenever you like
-
How we manage your money
- AGM and voting
- Sign up
- Covid-19: our response
- Determination since 1861
Media Centre
- Policy papers
- Research
-
Good with your money guides
- The Royal London guide to going self-employed
- Family Financial Planning
- Why saving beyond pension tax relief limits might not be a bad idea
- The new state pension - your questions answered
- Power of Attorney explained
- Five things to consider before opening a branch of The Bank of Mum and Dad
- How to make sure the right person gets your pension when you're gone
- Decoding your tax code
- Transferring out of your company pension - what are the pros and cons?
- Avoiding scams
-
Press releases
-
Press release archive
- Police Mutual becomes part of Royal London
- Mark Rennison joins Royal London Board as non-executive director
- Financial advice improves emotional wellbeing
- Number of grandparents getting state pension help to look after grandchildren surges
- Police Mutual to become part of Royal London
- £575m paid in protection claims 2019
- Rise of the female breadwinner: Woman earns the most in one-in-four households
- Royal London Announces Sale of Ascentric
- "Workers taking ill health early retirement risk unexpected pensions tax bill – new FOI"
- Revealed: Councils that don't return ashes from a public health funeral
- Young women putting financial futures at risk by opting out of pensions
- Three million Brits put off buying a new home because of Brexit
- Bereaved are burdened with record high funeral debt
- The global outlook remains "a tug-of-war between stimulus and trade tensions"
- New Chief Executive Barry O’Dwyer joins Royal London
- Why taking money from the ‘wrong’ pension pot could cost you dear
- Little known tax rule means parents can give triple boost to their children by paying into their pensions
- How far up the housing equity ladder should you expect to be at your age?
- Government receives one complaint every hour about tax-free childcare
- Finding the right medicine - how to fix the problems between doctors and their pension scheme
- New research shows women at risk of financial meltdown
- New FOI reveals far more low-paid workers missing out on pension tax relief than previously thought - Royal London
- Half a million workers past pension age may be paying unnecessary tax on their state pension
- 'Groundbreaking' new research reveals 'Lifetime Allowance timebomb' set to hit more than a million workers
- “New FOI reply reveals over 100,000 savers could face shock six figure tax bills following tiny uplifts to their pension – urgent need for clarity from HMRC”
- Royal London reunites lost policyholders with £14 million
- new research shows divorced women are ‘pensions poor relations’
- RLAM against forced divestment of Unilever under single listing
- Buried in debt: Mourners borrow £1,700 to pay for loved ones' funerals
- Will we ever summit the Pension Mountain New analysis from Royal London
- MPs 'misled' over Budget stealth tax – Steve Webb, Royal London
- Perplexed by wills
- Half of the UK would rather miss the funeral of a loved one than tune in via a live-stream
- "Financial advice provides £47,000 wealth uplift in a decade" – new research from Royal London and the International Longevity Centre
- Royal London introduces beneficiary nomination
- Half the value of your home at risk from average care home stay
- Ascentric offers advisers access to Puma AIM portfolios
-
Press releases 2021
-
August
- Jane Guyett CBE joins Royal London board as non-executive director
- Positive first half performance despite continued lockdown
- Royal London says, “This is not the time to be passive” as it embeds responsible investment in pension funds
- Couples could be missing out on Marriage Allowance from previous tax years
- Royal London welcomes Claire Molloy and Shaunagh Brown as brand ambassadors
- Inflation dip temporary
- 15.9m UK adults more financially vulnerable as a result of the pandemic
- Mixed picture on consumer confidence
- Shaunagh Brown attends Girls Rugby Club with Royal London
- Pensioners will be ‘deeply disappointed’ about change to triple lock, particularly women and self-employed
- Wealthy parent bonus could be even higher if you consider pension savings
- Social care news should bring much needed framework for the sector
- Decision to include pension contributions in furlough scheme was crucial to avert savings drop off during pandemic
-
July
- Royal London responds to the FCA consultation on a Consumer Duty
- Revealed: the home improvements that add the most value to your property in 2021 (and the real reasons we renovate)
- Royal London boosts critical illness cover providing enhanced outcomes for parents
- Investment Pathways and ESG in spotlight as IGC report finds Royal London continues to provide value for money
- Over half of consumers want their pension invested responsibly to help tackle climate change
- June
-
May
- 1 in 4 people more likely to increase pension contributions if they understood tax relief better
- Strong UK PMI data bodes well, but signals more price pressure
- Royal London removes COVID-19 restrictions to underwriting
- UK inflation - jumping out of the range
- Royal London appoints Vidur Bahree as Group Investment Director
- Increasing pension contributions at key life stages has merit but we need to implement 2017 review proposals
- The Rt Hon Ruth Davidson to join Royal London board as Non-Executive Director
-
April
- We must tackle misconceptions fuelling advice gap as 9.4m people miss out – Royal London
- Taboo breaking new book explores How to Die Well, spearheaded by Royal London
- UK PMIs signal robust growth
- Glencore progresses on climate, but further improvements needed on pay
- Royal London pays record £591m in protection claims
- Royal London launches innovation programme with social entrepreneurs to find bold solutions to build resilience to life shocks
- RLAM boosts responsible investment team with the appointment of head of ESG research
- Life begins at fifty-five: New study reveals how the over 55s are planning to live life to the fullest in a post-pandemic world
- Royal London launches innovation programme with social entrepreneurs
-
March
- Encouraging to see pension contribution bounceback after coronavirus dip
- Government announcements on IHT and McCloud are welcome
- Investment fraud victims pay the highest price
- UK CPI falls unexpectedly
- UK PMI: jumping ahead of the end of lockdown
- What Royal London’s support for women’s rugby means to Maggie Alphonsi and other female players
- Royal London supports customers through Covid-19 with £13.1m paid in claims
- RLAM appoints Hans Georgeson as CEO
- Royal London acquires 30% stake in Responsible Life and Responsible Lending
- Self-employed must earn nearly £10,000 a year more than full-time staff to make up for lost employee benefits
- Giving up smoking could save you £16,000 in insurance premiums
- Top 5 tips for writing a will
- Lions agree strategic partnership with Royal London
- Strong flows into sustainable funds drives growth in assets under management
- Revealed: The property features that made lockdown harder and how this has changed buyers’ requirements for their next home
- Contactless payment limit increase welcomed but concerns over card theft and overspending
- Royal London responds to Chancellor’s Budget
- UK gilt markets following budget announcement
- Extension of Covid relief for economy very welcome
- Welcome 'spend now worry later' stance in budget
- Royal London enhances adviser and employer support through acquisition of Wealth Wizards from Liverpool Victoria
-
February
- High time 'buy now, pay later' deals are regulated
- Royal London launches protection menu tool for advisers
- Royal London launches Investment Pathways
- Government decision on McCloud brings greater certainty for members
- RLAM launches Global Sustainable Credit Fund
- RLAM welcomes vote on Glencore's climate action plan as it transitions to a low carbon future
- Royal London paid £13.1 million for Covid-19 claims
- UK GDP - avoiding a fall
- RLAM lists framework of opportunities for 2021 AGM season
- Energy companies could do more to help their disabled customers
- Royal London supports customers through Covid-19
-
January
- RLAM appoints Kevin Flood as Head of Dealing
- Fallout from COVID as number of people accessing pensions continues to rise
- RLAM strengthens Industrial and Logistics team with new hire
- What you need to know before consolidating pensions
- Grim PMI as lockdown hits
- Royal London adds Underwrite Later option for Business Protection and Relevant Life Plans
- UK inflation: bumping around before a bounce
- Government must take urgent action on pension contribution rates or risk undermining AE success
- Renters in arrears at the mercy of landlords
-
September
- Extra funding "desperately needed to heat homes and families"
- Engagement with companies is an opportunity to positively influence ESG behaviours and practices
- Families need to find £107 extra to pay monthly bills from October
- Universal state pension system far from universally understood
- US FOMC: Taper conditions “all but met”
- Royal London reduces carbon intensity of equity funds in pension default solution by 12%
- Carbon Tracker report: RLAM calls for government policy and economic intervention at COP26
- Gloucestershire Cricket partners with ACE and Royal London to give young black people opportunities in cricket
-
October
- RLAM welcomes EDF's Just Transition strategy ahead of COP26
- RLAM celebrates Centrica's inclusion of Just Transition in its climate plan
- Jamie Jenkins, Royal London’s Director of Policy, reacts to today’s Budget
- Chancellor's Budget: Pension boost for low earners as Government address net pay anomaly
- Chancellor's Budget: Improving numeracy skills is a win for the economy
- Chancellor's Budget: Minimum wage to rise, but will it be swallowed up by higher living costs?
- Only one in five young adults have a will
- Investors should not solely rely on Government for Just Transition
- Workplace pension contributions - UK can't rest on its laurels
- UK CPI Inflation: temporary dip
- Supportive government policy needed to tackle climate change
- Pensions reboot: three in five restart contributions after pandemic knocked back payments
- Contactless concerns- Don’t get ‘tap happy’ with your contactless card
- RLAM calls for mandatory disclosures of Net Zero emissions plans ahead of COP26
- Women’s Lions feasibility study group announced
- Chancellor of the Exchequer opens Royal London House in Alderley Park
-
November
- Royal London becomes first mutual company to use Pawprint for Business
- Stay savvy this Black Friday with Royal London's top tips
- Delayed health checks show a worrying trend, with critical illness claims significantly lower
- Inflation leaps to 4.2%
- Today’s CPI figures increases the chance of a December rate rise
- Global economists update Adam Smith's 'Wealth of Nations' for the 21st century climate crisis
- With-profits customers approve Royal London’s proposals to increase benefits
- UK GDP: Facing challenges now and ahead
- Royal London introduce new ABI mental health standards
- Millions unaware of the power of their pension
- RLAM applauds Scottish Power's Just Transition strategy
- Disappointment for savers as Bank holds base rates
- Interest rates on hold, but not for long
- Are UK interest rates about to rise?
-
August
- Press releases 2020
- Press releases 2019
- Press releases 2018
- Press releases 2017
-
Press release archive
- Press contacts