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Welcome to Royal London.
Champions of Financial Sense.

In 1861, Henry Ridge and Joseph Degge met in a London coffee shop. Maybe it was the stimulus of the caffeine they consumed, but they came up with the idea of launching a friendly society dedicated to helping people save for their financial security. It made sound financial sense. Just as it did in 1908 when we became a mutual insurance company, owned by and run for the benefit of our members.

Throughout our history, financial sense has been key to the products and services we have offered our customers. It has also been the guiding principle behind the success of the Group. As a mutual, with no shareholders seeking short-term profit or influencing our decisions, we can make decisions which we believe make financial sense and which will benefit our customers, our employees and our business partners. Royal London is the UK's largest mutual life and pensions company. As champions of Financial Sense we aim to become the UK’s leading customer-owned financial services organisation.


Financial Sense.
What does it mean to you?

For Members

‘Financial Sense’ makes a firm commitment to our members that we will always have their best interests at heart and do everything in our power to develop outstanding financial solutions which will provide them with long-term security and value.

For Customers

‘Financial Sense’ is a promise to our customers that we are, and always will be advocates of clear, sensible financial advice and will always offer responsible solutions which enable them to make good, well-educated decisions that will help them secure their financial future for years to come.

For Intermediaries

‘Financial Sense’ is a commitment to our intermediary partners that we are dedicated to working with them to provide financial solutions which will enhance their reputation for offering wise advice and help them build healthy, long-term business relationships with their clients.

For Employees

‘Financial Sense’. Those two words provide a reality check for all of us. They should inform everything we do. So, before we do anything, we should ask ourselves whether this makes financial sense, for our members and customers, for our intermediary partners and for the Group as a whole.



The Royal London Mutual Insurance Society Limited. Registered Office: 55 Gracechurch Street, London EC3V 0RL United Kingdom. Registered in England No 99064.

Royal London Group consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited provides life assurance and pensions and is a member of the Association of British Insurers and the Association of Financial Mutuals. Royal London Savings Limited provides the Individual Savings Account. Royal London Unit Trust Managers Limited provides unit trusts. All these companies are authorised and regulated by the Financial Services Authority.

Group Registered VAT Number 368 5244 27