ProfitShare from Royal London

As a mutual, we believe our members and customers should share in our success.

After a very successful 2018, we were delighted to share more of our profits with qualifying customers on 1 April 2019.

Show your clients how it works

Use our animation to show your clients how ProfitShare works and the difference it could make to their retirement savings over time.

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We know everyone likes a little boost.

So being a mutual, we aim to give your retirement savings an extra boost, by adding a share of our profits to your plan each year.
We call it ProfitShare and it’s just one way our customers could share in our success.

Let’s take a look at how it works.
Each year, we’ll review our financial strength and decide if ProfitShare can be awarded.

You’ll qualify as long as your plan was in force on 31 December the previous year and is still in force on the date the award is given.

We'll add your ProfitShare award to a separate ProfitShare account within your plan in April.

Your ProfitShare award will be based on the value of your retirement savings on the date the award is given and it will be invested in the same investment choice as your other retirement savings.
While we can’t guarantee that we’ll be able to award ProfitShare every year, over time, this could help to boost your retirement savings.

Of course, investment returns are never guaranteed. So while there’s a chance your retirement savings could grow, their value can also go down. This means you could get back less than what you put in.

You'll see the value of your ProfitShare account every year in your statement and by logging into online service and you can take the value of your ProfitShare account - along with the rest of your retirement savings, any time after age 55.
To find out more, visit, or ask you financial adviser.

Our ProfitShare award 2019

We've shared 150 million pounds of our profits with our customers.


We shared £150,000,000 of our profits with our customers.

Over 1.4 million customers will feel the benefit of our ProfitShare award.

Over 1.4m

Over 1.4m customers were awarded ProfitShare.

We boosted unit-linked customers' retirement savings by 0.18%.


We boosted unit-linked customers' retirement savings by 0.18%.

* This includes awards made to with profits customers. These customers received a 1.4% enhancement in 2019, the same as they did in 2018.

Why we choose to share our profits

As a mutual, we want to make sure our members and customers enjoy the best possible outcomes and experiences.

ProfitShare is a tangible expression of that belief. Giving your clients a slice of our profits could help their retirement savings grow. So they’ll really feel the benefit of being part of Royal London.



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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.