Cookie policy

This cookie policy explains what cookies are, why we use them, and how you can manage their use.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer or your mobile device when you visit our website.

Cookies are useful because they help us make your website experience more enjoyable. They allow us to recognise your device (e.g. your laptop or mobile device) so that we can tailor your experience of our website. Cookies do not identify you as an individual, just the device you are using. You can find out more about cookies at

Cookies do lots of different jobs on this website, such as letting you navigate between pages efficiently, remembering your preferences, remembering your username and password, letting us analyse how well our website is performing, and improving your experience.

They also help ensure that adverts you see whilst you are on our website and other websites are more relevant to you and your interests.

Cookies collect information about your browser and browsing session, such as:

  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and
  • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.

We want you to understand the different types of cookies that we use on our website. Some of these cookies are essential to the operation of our website. Others are not essential, but help to improve our website by collecting user information, or try and improve your experience of our website by remembering your choices. We also use cookies which collect information about your browsing habits in order to try and display advertising which is relevant to you and your interests.

If you have opted out of the use of cookies, we only store one permanent 'functionality’ cookie which tells us that you wish to opt out of use of any other cookies.

The type of cookies used on this website can be placed into 1 of 4 categories:

Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services, and help ensure the content of the pages you request load quickly. Without these cookies, services that you have asked for cannot be provided.

We want you to understand these essential cookies, and why we use them, but your consent is not required for us to use them on our website as we use these cookies only to provide you with services that you have requested.

‘First party’ cookies belong to us and ‘third party’ cookies belong to our business partners who work with us.  A ‘persistent’ cookie will stay on your browser after you have closed the browsing session, unless you delete the cookie (for further information on this, see below)

We use the following strictly necessary cookies:

Cookie NamePurposeMore information

__RequestVerificationToken_<random unique character string>

This cookie is an anti-forgery token to prevent Cross-Site Request Forgery (CSRF) attacks. It guarantees that the poster is the one who gets the form. It prevents someone from  forging a link and having it activated by an empowered user.

Non-persistent, first party. This is created as a session cookie but changes with every request.


This cookie is used to store temporary data related to usage. It does not store any sensitive data and is encoded.

Non-persistent, first party.


This is a cookie used to track the user’s session when in transactional sites and is imperative for the functionality. There could be one or more of these cookies in place.

Non-persistent, first party.


Used to distribute traffic to the website on several servers in order to optimise response times. Non-persistent, first party.

Analytical/performance cookies. These are cookies that collect information about how visitors use our website which allow us to recognise and count the number of visitors and to see where our visitors have come from and how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

This site uses Google Analytics Demographics and Interest Reporting, which is based on Google Display Advertising. Visitors can opt-out of Google Analytics for Display Advertising and customise Google Display Network ads using the Ads Settings form at Google Ad Settings. We use the data provided by this service (such as age, gender and interests) to better understand our website audience and tune our communications appropriately.

We use the following analytical / performance cookies:

Cookie NamePurposeMore information

Google Analytics


These cookies are used to collect information about how visitors use our website. The cookies collect information in an anonymous form; including the number of visitors to the website, where visitors have come to the website from and the pages they visit.

Google's privacy policy

Persistent, first party.


This cookie is used to track the user across various websites and sub-sites under the Royal London corporate site.

Session, first party.

__utma Used to distinguish users and sessions. The cookie is created when the JavaScript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics. Expires 2 years from set/update, third party (Fontdeck).

Functionality cookies. These are cookies that are used to recognise you when you return to our website and enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region). The aim of these cookies is to provide you with a more personal experience so that you do not have to reset your preferences each time you visit our website.

We use the following functionality cookie:

Cookie NamePurposeMore information


This cookie is placed on a user’s machine to record aspects such as acceptance of cookie policy etc.

Persistent, first party.


Preserves the visitor's session state across page requests.

For customers that are opted in - 100 days from set/last visit

For customers that are opted out - Session cookie.

Targeting or advertising cookies. These are cookies that record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

We use the following targeting / advertising cookies:

Cookie NamePurposeMore information


Vimeo is the platform we use for hosting our online videos. It uses anonymous cookies to track how people watch videos on our website; including how much of each video is watched and how many videos each visitor views.

Vimeo's cookie policy

Persistent, third party.



These cookies help us track the effectiveness of our advertising. Some of our web pages may contain electronic images that help us see how users interact on these pages.

These cookies also help us to tailor the advertisements you see on third party sites by understanding what interests you on our sites, such as the pages you view.

Any data passed are anonymous.

FlashTalking's privacy policy or opt out of receiving FashTalking cookies

Avocet's privacy policy or opt out of receiving avocet cookies

Persistent, third party.

Google AdWords remarketing Google AdWords remarketing cookie is used by our online advertising partner to remarket our products and services to those who have previously visited our website. Any data passed are anonymous.

Read more about Google Ads remarketing

Persistent, third party.



From time to time we will host multiple variants of the same web page in order to gather insights and optimise the effectiveness of our website.

These anonymous cookies store your visit history and ensure you have a consistent experience when you visit our website. 

Maxymiser's privacy policy or opt out of receiving Maxymiser cookies

Persistent, third party.

Unbiased cookies

Our find an adviser feature is powered by so it sets cookies from their server. The find an adviser feature sets the following third-party cookies:

NamePurposeMore information
PHPSESSIONID This cookie is required by the web server in order to serve the requested content. Unbiased's privacy policy
These cookies are used to collect information about how visitors use Unbiased's site. They use the information to help improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

When you first visit our website you will see a banner which asks for your consent to us using cookies on our website and explains that by closing the banner, you are consenting to our use of cookies as described in this cookie policy.

You can disable and/or delete all types of cookies by using your browser settings. Cookies are generally easy to disable and/or delete but how you do so varies from browser to browser. If you disable all of them, you may find that certain parts of our website do not work at all, or do not work correctly. The 'Help' function within your browser should tell you how to do it or you might otherwise want to refer to one of the following websites for guidance:

We may modify this cookie policy from time to time. When we post changes to this cookie policy, we will revise the 'last modified' date at the top of this page. We encourage you to periodically review this cookie policy to be informed of how Royal London uses cookies.

If you have any queries relating to this cookie policy please contact our Data Protection Manager at Royal London House, Alderley Road, Wilmslow, Cheshire, SK9 1PF, or at

Last updated: 31 Jan 2019

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. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London EC3V 0RL.