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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
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.
Pension Money Request
It is so difficult to get MY money from you after I have made my request - why I ask!
1 December 2024
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide some feedback. I have checked our records and I can see that you contacted us on 24 November and we sent a reply and all the appropriate forms to MyUtmost on 2 December but I notice that we have not heard back from you. Please can you let us know urgently if you have not received these documents and I will arrange for them to be resent asap. Regards Laura
Did well explaining all the options I…
Did well explaining all the options I had and getting forms to me and paying out but gave me wrong information on the amount they were paying me & denied it was wrong until I took them through the calculation.
Also totally messed up the tax paid, even though it was supposed to be emergency tax and couldn't explain how they had got to the figure they had.
7 December 2024
Reply from Utmost Life and Pensions
Hi Mr Gruber. Thanks for taking the time to provide some feedback. I have had a look at your case and I can see the conversations you had with us and I apologise for any misunderstandings. I hope you now have everything you need but please email me at enquiries@utmost.co.uk if you have any further questions. Regards Laura
Haven't looked back since my pension…
Haven't looked back since my pension was transferred to Utmost
18 December 2024
Reply from Utmost Life and Pensions
Hi Anne. Thanks for taking the time to provide some feedback and I am glad to hear that you are happy with the service you are receiving from us. Regards Laura
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide some feedback. I do understand where you are coming from but unfortunately, pensions regulations do mean lots of paperwork but I hope you have everything you need and you were happy with the outcome. Regards Laura
I use the online messaging service and…
I use the online messaging service and find that the messages are always responded to fast and politely. They always answer my questions, despite my tendency to ask a lot!
2 December 2024
Reply from Utmost Life and Pensions
Hi Pauline. Thanks for taking the time to provide some feedback and I am happy to hear that you are pleased with the service we are providing through MyUtmost. Regards Laura
Simple and secure ability to access…
Simple and secure ability to access policy information
17 December 2024
Reply from Utmost Life and Pensions
Hi Nicholas. Thanks for taking the time to provide some feedback and I am glad to hear you have had a good experience using MyUtmost. Regards Laura
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide some feedback and I am glad to hear you have had a good experience using MyUtmost. Regards Laura
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide some feedback and I am pleased to hear you are happy with the service. Regards Laura
Average performance just satisfactory
As a former Equitable Life customer I find Utmost satisfactory but the management charges are OK but the results are I feel are very average.
The website is not very helpful and doesn't seem to have been updated in years. Online management doesn't seem possible as far as I know and finally the level of advice available to someone not based in the UK is inadequate.
2 December 2024
Reply from Utmost Life and Pensions
Hi Mr Jagger. Thanks for taking the time to provide some feedback. We are currently reviewing our website to see where we can improve navigation and help policyholders find what they are looking for more easily. On MyUtmost, you are able to amend your personal details and switch your unit-linked investments and we are looking to see what other automation we can add. If you have any specific thoughts on this, particularly being based overseas, I would love get some more feedback from you and you can email me with any suggestions at enquiries@utmost.co.uk Regards Laura
Couldn't fault this company at all the…
Couldn't fault this company at all the service is unreal the staff are very helpful and understanding exceptional service from start to finish.
16 December 2024
Reply from Utmost Life and Pensions
Hi Andrew. Thanks for taking the time to provide some feedback and it is great to hear comments like this. I will ensure I pass these onto the Customer Services team. Regards Laura
Confidence
Simple registration and fast effective logon /security.
Quick and thorough response to my queries. A confident feeling that I will get a response to future queries or requests.
16 December 2024
Reply from Utmost Life and Pensions
Hi Mick. Thanks for taking the time to provide some feedback and I am pleased to hear that you have found MyUtmost quick and easy to use and we have been able to give you what you needed. Regards Laura
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide some feedback and I am happy to hear that you have had a good experience using MyUtmost. Regards Laura
Easy to use site
12 December 2024
Reply from Utmost Life and Pensions
Hi Mr Adlington. Thanks for taking the time to provide some feedback and I glad to hear that you are finding MyUtmost easy to use. Regards Laura
Very slow response times....be warned!
Whilst the online portal and investment choices are on a par with other companies, when it comes to actually getting access to your money the timescales are very poor and longer than other companies I have dealt with. If you have a policy in drawdown allow at least a month for you to actually receive a payment. Why it takes 10 to 15 working days ( in reality up to 3 weeks) just to get a quote and the forms uploaded to your online portal I have no idea. They need reminding this is your money they are taking weeks to pay out ..... and if they tell you the timescales are usually shorter than those quoted don't believe it!
12 December 2024
Unprompted review
Reply from Utmost Life and Pensions
Hi Mr Hardie. Thanks for taking time to provide some feedback and I am sorry to hear that you are frustrated with the time it is taking to make the payments. We have been extremely busy over the last couple of months, as policyholders reacted to speculation around the October Budget. However, I would like to assure you that we are working to improve our response times and I hope you will see improvements in your next interactions with us. Regards Laura
Really useful for keeping track of my…
Really useful for keeping track of my investments.
1 November 2024
Reply from Utmost Life and Pensions
Hi Mr Fitzsimmons. Thanks for taking the time to provide some feedback and I am glad to hear that you are finding MyUtmost useful. Regards Laura
Great service
Great service very clear with explaining what happens. And how it works.
8 November 2024
Reply from Utmost Life and Pensions
Hi Mr Berry. Thanks for taking the time to provide some feedback and I am happy to hear how positive your experience has been with us. Regards Laura
website is useless
13 November 2024
Reply from Utmost Life and Pensions
Hi Mr Eustace. Thanks for taking the time to provide some feedback. We are always looking for ways to improve our website and online service so please send us a secure message via MyUtmost or email us at enquiries@utmost.co.uk with details of any specific areas you think could be improved. Regards Laura
Consistently Better Returns than Others
I have multiple pension savings and investments across 4 different countries. Since I transferred pension savings to Utmost 5 years ago, they have each year achieved the best returns of anything in my portfolio.
14 November 2024
Reply from Utmost Life and Pensions
Hi Paul. Thanks for taking the time to provide some feedback and I am so glad to hear that you are pleased with your return. Regards Laura
Very easy to navigate & communicate…
Very easy to navigate & communicate with access to Utmost account with APP being even easier
4 November 2024
Reply from Utmost Life and Pensions
Hi Paul. Thanks for taking the time to provide some feedback and I am happy to hear that you are finding the online service easy to use. Regards Laura
Overall an efficient service
I have found the guides and helpsheets that are sent on request to be well presented and precise without being overloaded with jargon.
4 November 2024
Reply from Utmost Life and Pensions
Hi Paul. Thanks for taking the time to provide some feedback. We do strive to keep out as much jargon as possible from our letters and leaflets and to use plain English wherever possible and it is great to hear that you liked the way we have done that in these documents. Regards Laura
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.