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We've shared £181 million of our profits with over 2 million eligible customers.

Because when we do well, we believe your clients should too. Explore the value that ProfitShare can give your clients.

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Welcome to Royal London for advisers

We work in partnership with financial advisers to help them to deliver good customer outcomes. With mutuality at our core, you can trust us to deliver the kind of care you'd want for your client's finances.

Pensions

Explore personal and workplace pension solutions and get access to the information, tools, calculators and services you need to help you to create better financial outcomes for your clients.

Discover pension solutions  

Protection

Let us help you support your clients when they need it most. Choose from our range of business and personal Menu Plans and find product information, underwriting support, tools and more.

Explore protection options  

Investment

Discover our range of investment options including our Governed Range portfolios. Analyse your client's risk appetite and support conversations with our tools and resources.

Explore investment options  

Funds

Explore our range of over 180 funds. View fund factsheets, learn more about our fund managers and explore monthly and historical performance data, prices and other fund information.

View fund information  

Tax Year End: Power up your client's pension

Visit our tax year end hub to find guidance on making contributions and switching, insights from our technical experts and material to support your tax year end conversations.

Explore the hub  

How to get started with Royal London​

Find out how to register with Royal London and get access to our online service with our guide to getting started.​

Find out how to get started​  

Service and support

Pension product support

We offer a range of pension and investment services, resources and forms. And our dedicated Business Support Unit is on hand to help.

Browse our pension support  

Protection product support

Find information on our underwriting and case management services, as well as details on our dedicated claims team.

Explore our protection support  

Online service

Access your plans and policies for pensions, investments and protection online.

Explore our online service  

Latest articles and guides

Drawdown governance service Q4 2024 update

This quarter customers should see similar or lower sustainability scores following our calibration update and market movements experienced since the last update in August.
Read more   about Drawdown governance service Q4 2024 update

The minimum pension age is changing

The government is increasing the minimum pension age from 55 to 57 on the 6 April 2028. This will be the earliest age that most people will be able to access their pension savings.
Read more   about The minimum pension age is changing

Increase in employer National Insurance contribution rate

The budget on 30 October announced the rate of employer’s national insurance (NI) will increase from the current 13.8% above £9,100 per annum threshold to 15% above £5,000 with effect from 6th April 2025.
Read more   about Increase in employer National Insurance contribution rate

Better off dead? The need for critical illness cover

Without critical illness cover, families are often left with significant financial strain and might’ve been obviously not emotionally but financially better off if their loved one hadn’t survived.
Read more   about Better off dead? The need for critical illness cover

Thematic Review TR24-2: Key Insights for General Insurance and Pure Protection Markets

This review evaluates product oversight and governance in the general insurance and pure protection markets, highlighting key regulatory expectations and areas needing improvement.
Read more   about Thematic Review TR24-2: Key Insights for General Insurance and Pure Protection Markets

Advisers most asked questions on Children’s Critical Illness Cover

The average family with young children in the UK has seen their expenses rise by over £1,000 a month since February 2023 according to Royal London’s latest report on how the cost of living continues to impact people’s financial resilience.

Read more   about Advisers most asked questions on Children’s Critical Illness Cover

Lump sum and lump sum death benefit allowances from 2024

The Lump Sum Allowance (LSA) and the Lump Sum and Death Benefit Allowance (LSDBA) were introduced on 6 April 2024 to replace the Lifetime Allowance (LTA). The LSA applies to the amount of tax-free lump sums you can access from all your pension savings, while the LSDBA is a limit on the total amount of tax-free lump sums that can be paid from your pension upon death. Any amounts taken above these allowances are subject to tax at the individual's or beneficiary's marginal rate of income tax.
Read more   about Lump sum and lump sum death benefit allowances from 2024

Could your clients use a pension to offset ISA losses?

Craig Muir, our Senior Pensions Development and Technical Manager, looks at an ISA / pension case study that focuses on offsetting potential losses clients may have suffered in recent weeks.
Read more   about Could your clients use a pension to offset ISA losses?