24 Mar 2026 I help my client Mr KC Wong ask for the surrender value. My first email sent to Utmost is 24 Mar. I also call Utmost Customer services on 27 Mar morning but helpless. Customer... See more
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See what reviewers are saying
I deal with Utmost (earlier Generali) for their Utmost Worldwide plan. I have signed necessary documents so cannot state from legal perspective that I was not aware but the agents selling this make su... See more
Company replied
Awful,awful timeline with reclaiming/altering your pension plan/needs.Filled out their option form with my decision to drawdown some of my pension more than a month ago.As someone with liver cancer,ti... See more
Company replied
Online access needs a bit of work esp for former Reliance pensions but otherwise my experience with Utmost was very good. They took on my Equitable pension and managed a reasonable return and also my... See more
Company replied
Company details
About Utmost Life and Pensions
Written by the company
Utmost Life and Pensions is a UK life and pensions company helping customers plan and save for the long term, with roots going back over 100 years.
Utmost Life and Pensions is authorised by the PRA and regulated by the FCA and the PRA.
Utmost Life and Pensions is authorised by the PRA and regulated by the FCA and the PRA.
Contact info
Utmost Life and Pensions, Walton Street, Aylesbury, HP21 7QW, Buckinghamshire, United Kingdom
- 0330 159 1530
- enquiries@utmost.co.uk
- utmost.co.uk
3.2
Average
353 reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Quite easy to access online
Quite easy to access online, just a pity my pension investment has gone down not up! Expect better results really.
September 3, 2023
Reply from Utmost Life and Pensions
Hi Linda. Thanks for taking time to provide some feedback. I am sorry to hear you are disappointed with your return. The markets have been volatile for a number of months now, which is effecting returns across the industry. Our website has lots of useful information about the unit-linked funds we offer and if you find a fund that better meets your needs, you can switch investments, free of charge, using MyUtmost or over the phone. Regards Laura
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Website clear and easy to use
August 30, 2023
Reply from Utmost Life and Pensions
Hi Mr Kemp. Thanks for taking time to provide some feedback. Regards Laura
Comprehensive ability to either auto…
Comprehensive ability to either auto invest or to place one’s own preferences based on detailed information available on the website
September 1, 2023
Reply from Utmost Life and Pensions
Hi Mr McCusker. Thanks for taking time to provide some feedback. I am glad to hear to have found the unit-linked fund information useful on the website and you are happy with the switching functionality on MyUtmost. Regards Laura
They do their Utmost to cock it up
I absolutely appaling company they have been dragging their heals for over a year when supposedly closing my belated father in laws account. They repeatedly ask for the same information even information that was shared by our solicitor after my father in law passed away. All this is doing is racking up fees they take from the account and gets my wife and her family upsetduessse nature of the account to be closed. The latest sham is asking for bank details yet we have copies of bank statements stamped received by utmost. If we could give zero we would
June 1, 2023
Unprompted review
Reply from Utmost Life and Pensions
Hi Mr Robson. I am so sorry to hear that this process if causing such distress to you family, particularly at such a difficult time. I would be happy to have a look at this case to see if there is something I can do. Please can you email me at enquiries@utmost.co.uk and let me have the policy number and I will do what I can to get this resolved for you. Regards Laura
I found what I wanted easily.
September 2, 2023
Reply from Utmost Life and Pensions
Hi Rosemary. Thanks for taking the time to provide some feedback. Regards Laura
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Easy to use for non computer people
September 1, 2023
Reply from Utmost Life and Pensions
Hi Ian. Thanks for taking time to provide some feedback. We tried hard to make the service accessible for everyone and I am glad to hear that you have found it easy to use. Regards Laura
Moved to France
Moved to France - have many deferred pensions. Only utmost made the address change a chore
September 3, 2023
Reply from Utmost Life and Pensions
Hi Iain. Thanks for taking time to provide some feedback. I am sorry to hear that you found the change of address process difficult. If you are able to provide any more information I would love to look into this to see how we can improve the process in the future. Regards Laura
Easy to use website and clear and…
Easy to use website and clear and relevant communication.
September 1, 2023
Reply from Utmost Life and Pensions
Hi Tim. Thanks for taking the time to provide some feedback. Regards Laura
I'm coming up to age 75
I'm coming up to age 75, so lots of admin re. pensions. Utmost gave me clear notice, in English that I could understand, about what I needed to do, and when I rang them to check on details they understood what I wanted and answered my questions accurately. Can't really ask for more.
August 28, 2023
Reply from Utmost Life and Pensions
Hi Jane. Thank you for taking the time to provide us with some feedback. I am glad to hear you had a positive experience when you called our Contact Centre. Regards Laura
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A few hiccups
Often have to refresh page, the required passcode sometimes does not come through to my phone.
August 30, 2023
Reply from Utmost Life and Pensions
Hi Liana. Thanks for taking the time to provide us with some feedback. I am sorry to hear that you have been having some issues with MyUtmost. Please contact us on 0330 159 1530 if you continue to have problems. Regards Laura
Reply from Utmost Life and Pensions
Hi Mrs O'Callaghan. Thanks for taking time to provide us with some feedback and I am glad to hear that you have had a good experience with us. Regards Laura
No data on line,no help for out of UK…
No data on line,no help for out of UK residents now
August 28, 2023
Reply from Utmost Life and Pensions
Hi Mr Pye. Thanks for taking the time to provide us with some feedback. Unfortunately, some of our policies, like yours, require manual calculations, so we are not able to provide a value in MyUtmost. However, if you need information about your policy, please send us a secure message through MyUtmost and we can arrange for the information to be placed back into My Messages. Regards Laura
Bonds option
I was misled with the bonds option by Equitable life. I thought that this was a safe option but it’s high risk. Please give me my money back.
August 19, 2023
Reply from Utmost Life and Pensions
Hi Mr Griffin. Thank you for taking time to provide us with some feedback. I am sorry to hear that you are disappointed with the performance of the bond unit-linked funds. I can see that you have contacted us directly and our complaints department will send you a reply as soon as possible. Regards Laura
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Hit or miss as to whether you can get in…
This is not the easiest of websites to use. Sometimes you will get in other times you have to give up and call them. I have turned off the VPN which I was advised to do but still had Issues.
August 1, 2023
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide us with some feedback. I am sorry to hear that you are having issues being able to consistently login to MyUtmost. Please let us know if this continues to be a problem and we will see what else we can do to help. You can call us on 0330 159 1530 or email us at enquiries@utmost.co.uk Regards Laura
Reply from Utmost Life and Pensions
Hi Mr Blades. Thanks for taking time to provide us with some feedback. I am sorry to hear that you did not have a good experience using our site. If you are still looking for information, please send us a secure message in MyUtmost or email us at enquiries@utmost.co.uk quoting your policy number and I will arrange for one of the team to look at this urgently for you. Regards Laura
I have been trying to transfer my…
I have been trying to transfer my pension to another company and they are not making it very easy!!!!!
August 27, 2023
Reply from Utmost Life and Pensions
Hi Mrs Hindocha. Thank you for taking time to send us some feedback. I am sorry to hear that you are having issues with your transfer. I can see that you have contacted us via MyUtmost and I will arrange for the team to have a look your request urgently. Regards Laura
The web site is easy to use
August 27, 2023
Reply from Utmost Life and Pensions
Hi Mr Kerrisk. Thank you for taking time to send us some feedback. I am pleased to hear that you are finding the website easy to use. Regards Laura
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Very easy to access information on line
August 28, 2023
Reply from Utmost Life and Pensions
Hi James. Thanks for taking the time to provide us with some feedback. I'm glad to hear that you have found the online service easy to use. Regards Laura
Website easy to use
August 11, 2023
Reply from Utmost Life and Pensions
Hi Mike. Thanks for taking time to provide us with some feedback. I am glad you had a good experience using the website. Regards Laura
Upgraded: I could only see my policy number and…
I could only see my policy number and type of policy, both of which I knew. I had hoped to access further details like fund value as well
However Utmost came back with a perfectly logical response and so I upgraded my rating to 4*
August 23, 2023
Reply from Utmost Life and Pensions
Hi Mr Hyslop. Thank you for taking time to provide us with some feedback. Unfortunately, some of our policies require manual calculations, so we are not able to provide these values in MyUtmost. However, if you send us a secure message in MyUtmost and ask for a value we will be happy to calculate this and send you a reply back into My Messages. Regards Laura
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