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To get a quote or apply for cover over the phone
Mon to Fri: 8am–7pm
Date last modified:07 March 2020.
Other applicable terms
Information about us
We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 117672. You can check this on the Financial Services Register.
The Royal London Group's registered VAT number is 368 5244 27.
Changes to these terms
Please check this page from time to time to take notice of any changes we made, as they are binding on you.
Changes to our website
We may update our website from time to time, and may change the content at any time, to reflect changes to our services and products, our user's needs and our business priorities. However, please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it.
We do not guarantee that our website, or any content on it, will be free from errors or omissions.
Accessing our website
Our website is made available free of charge.
We do not guarantee that our website, or any content on it, will always be available or be uninterrupted, or that our website will be secure or free from bugs or viruses. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our website.
Use of our website
This website is intended for use by those who access it from the United Kingdom only. This website is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.
You agree to use the website only for lawful purposes and in a way which does not infringe the rights of anyone else or restrict or inhibit anyone else's use and enjoyment of the website. Website content must not be copied or reproduced, modified, redistributed, used or otherwise dealt with for any reason other than browsing, or purchasing, products and services without our express written permission. You are not entitled to use the content of the website for commercial exploitation in any circumstances.
Your account and password
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us (see "Contact us" section below).
You instruct us to accept as genuine and duly authorise any instruction placed using your identification code and password. Unless you advise us that your identification code and password have been compromised any instruction using them will be deemed valid.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.
No reliance on Information
The content on our website is provided for general information only. It is not intended to amount to financial or other professional advice on which you should rely. You must obtain financial or other professional advice if you require it before taking, or refraining from, any action on the basis of the content on our website.
Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date.
Limitation of our liability
To the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
We will not be liable to any website user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
If you are a business user, please note that in particular, we will not be liable for:
any indirect or consequential loss or damage.
If you are a consumer user, please note that we only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.
This website may contain links to other websites. We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services by us to you, which will be set out in the relevant product or service terms and conditions.
Viruses, hacking and other offences
You are responsible for configuring your information technology, computer programs and platform in order to access our website. You should use your own virus protection software.
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our website via a denial of service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1996. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
Linking to our website
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our website in any website that is not owned by you.
Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page.
We reserve the right to withdraw linking permission without notice.
Third party links and resources in our website
Where our website contains links to other websites and resources provided by third parties, these links a, provided for your information only.
We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
To contact us, please call our Customer Services team by phone on 0345 050 2020 between the hours of 8.00am and 6.00pm from Monday to Friday. Telephone calls may be recorded for training and security purposes. Call charges will apply.
Thank you for visiting our website.
If you buy a Post Office Money (Over 50s Life Cover, Life Insurance, Free Parent Life Cover or Easy Life Insurance product in a Post Office branch or over the telephone, it is arranged and sold by Post Office Limited and Post Office Management Services Limited. If you buy online or by post it is arranged and sold by The Royal London Mutual Insurance Society Limited following an introduction by Post Office Limited and Post Office Management Services Limited.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318 Registered in England and Wales. Registered numbers 2154540 and 08459718 respectively Registered office: Finsbury Dalt 20. Finsbury Street, London EC2Y 9.41 Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.
Post Office Money Over 50s Life Cover, Life Insurance, Free Parent Life Cover and Easy Life Insurance products are provided and administered by The Royal London Mutual Insurance Society Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 117672. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V CRL.
These details can be checked on the Financial Conduct Authority website
Post Office and Royal London are not part of the same corporate group.