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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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.
Problem sending document on MyUtmost
I wanted to fill in and return the Other Pension Benefits form online, but there is no facility to do this, so I had to download, print it, sign it and scan it. Then I couldn't send it via Messages on the MyUtmost site because it was too big. I had to re-scan, omitting the page that did not require any input in order to make it smaller. 5Mb limit is far too small. This document could have been sent using DocuSign, and dealt with much quicker. Utmost needs to get more up to date and tech savvy.
7 November 2023
Reply from Utmost Life and Pensions
Hi Mr Cutland. Thanks for taking the time to provide some feedback. I am sorry to hear that you have been having some problems uploading documents to MyUtmost. We appreciate that the current process could be improved and we are looking at ways to automate more of our forms to enable policyholders to complete forms online without the need to print and scan. Regards Laura
Easy Performance Monitoring…
Easy to check how pension fund is performing and easy to check on funds available. Making switches easy. Very transparent
8 November 2023
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide some feedback. I am glad to hear that you are finding our online service easy to use. Regards. Laura
Had to phone about my pension but got…
Had to phone about my pension but got all info i wanted very clearly.
8 November 2023
Reply from Utmost Life and Pensions
Hi Mr Coddington. Thank you for taking time to provide some feedback and I am glad to hear that you had a positive experience when you contacted us recently. Regards Laura
Absolute disgrace of a company trying…
Absolute disgrace of a company trying there best not to give me my money. You would think it was there's filled all forms out disgusting how they bend the truth would not recommend them to anyone
6 November 2023
Unprompted review
Reply from Utmost Life and Pensions
Hi Pat. Thank you for taking time to provide some feedback and I am sorry to hear that you are having issues with your claim. To help me get this resolved it would be great if you could email me your name and policy number to enquiries@utmost.co.uk and I will arrange for one of the team to look at this urgently for you. Regards Laura
utmost service needs a lot of improvement
Needs a lot of improvement in communication and customer service.
25 October 2023
Unprompted review
Reply from Utmost Life and Pensions
Hi - It appears that you have a policy with Utmost International rather than with Utmost Life and Pensions. They are a completely separate part of the Utmost Group, dealing with a very different group of customers and with their own website and Trustpilot page at utmostinternational.com.
To assist, I have been in contact with them and have asked them to try and identify and reach out to you directly to understand what has gone wrong in your particular case.
I hope you manage to get things resolved and, if you get time, I would kindly ask you move this review to the Utmost International page. Regards Mark
Terrible performance and long transfer out time.
I payed more in fees over 5 years than a made on my pension. I have been trying to transfer out since June this year, still not complete, poor communication, repeatedly ask for the same information it feels like they are dragging their heels on purpose. All this time my pension continues to lose money. I am now considering legal action......my advice is stay well clear of this company.
It appears my review may have sparked Utmost into life as the transfer has just been completed...HOWEVER the charges where astronomical. Avoid this company at all cost.
The transfer still has not happened its now the November 7th
17 October 2023
Unprompted review
Reply from Utmost Life and Pensions
Hi Mr Frost. Thank you for taking time to provide some feedback. I am sorry to hear that you are having problems arranging your transfer. Please email me at enquiries@utmost.co.uk providing your policy number and I will arrange for one of my team to look at this urgently for you. Regards Laura
Our experience of investing with Utmost
Hello. We contacted Abbey Wealth, a company in Spain, who have invested our funds with Utmost, to arrange for a further top up 01/08/2023. After an unacceptably long wait, we were advised by Utmost 04/10/2023 to transfer funds, (£17000), as before, to an account with Royal Bank of Scotland, then nothing, not a word. Utmost have lost our money. I will take legal advice what to do next. Closing our account with Abbey Wealth and Utmost is an obvious option. We can also see where we might make other potential investors in Utmost aware of our experience.
17 October 2023
Unprompted review
Reply from Utmost Life and Pensions
Hi Mrs Cook. Thank you for taking time to provide this feedback and I am sorry to hear you are having a difficult time with this transaction. However, you have put this review on Utmost Life and Pensions and you do not have a policy with us. I have checked with my colleagues in another part of the Utmost Group and they have confirmed that you are their client and they are trying to get in touch with you at the moment. I hope you manage to get things resolved and if you get time I wondered if I could ask you to move this review to the Utmost International page, as this page is just for Utmost Life and Pensions policyholders. Regards Laura
I have been trying to move my Equitable…
I have been trying to move my Equitable pension into a flexible drawdown account. This company has been terrible to deal with. My account has not been set up and the form I need to complete has still not been sent to me after more than 2 weeks. All the time my pension is losing money. I have now had to raise a formal complaint to try and resolve the issue
30 September 2023
Unprompted review
Reply from Utmost Life and Pensions
Hi. Thanks for taking time to provide some feedback. I am sorry to hear that you have been experiencing some problems getting your drawdown policy set up. I have spoken to our complaints department and asked them to look at your complaint when it comes in and we will get this resolved for you as soon as we can. Regards Laura
Trouble free transaction
All was clearly explained dine in a timely manner with no issues.
8 September 2023
Reply from Utmost Life and Pensions
Hi Peter. Thanks for taking time to provide some feedback. I am glad to hear you had a good experience dealing with us recently. Regards Laura
Login process does not always work
Login process does not always work. Limited information on website. Very basic and poor.
19 September 2023
Reply from Utmost Life and Pensions
Hi. Thank you for taking time to provide some feedback. I am sorry to hear that you are disappointed with the information available on the website. If there is something specific you need please send us a secure message in My Messages in MyUtmost, or call us on 0330 159 1530 and we will give you what you need as soon as we can. Regards Laura
Terrible performance and customer service
It was very difficult to talk to anyone. No information on pension fund investments, where it was invested, why it kept losing money (it lost 14,000GBP in 6 months), no advice - I could go on and on. The fund lost 3,000GBP in 2 weeks when I was in the process of transferring it out. I'm so glad I now have my money out of this company.
8 September 2023
Reply from Utmost Life and Pensions
Hi Steve. Thanks for taking time to provide some feedback. I am sorry to hear that you have had some issues with us recently and I appreciate how hard it must be to talk to someone in the UK when you live overseas with large time differences. Volatility in the markets over the last 18 months has been really difficult for investors but I can see that your transfer is now complete and I hope you have everything you need from us. Regards Laura
My question was answered very…
My question was answered very comprehensively including sending me a copy of the relevant document. First class service
7 September 2023
Reply from Utmost Life and Pensions
Hi. Thank you for taking time to provide some feedback. I am so pleased to hear that you had such a positive experience when you contacted us recently. Regards Laura
Reply from Utmost Life and Pensions
Hi Mr Morrissey. Thank you for taking time to provide some feedback. Regards Laura
Comparative better return on my pension…
Comparative better return on my pension investment, to my two other private pensions
12 September 2023
Reply from Utmost Life and Pensions
Hi James. Thanks for taking time to provide some feedback. Regards Laura
The website is good.
12 September 2023
Reply from Utmost Life and Pensions
Hi Mr Ayres. Thank you for taking time to provide some feedback. Regards Laura
Asking for reviews after a small…
Asking for reviews after a small interaction is silly. Sending reminders is ridiculous. Bad product management leads to bad reviews, I hope. At least in this case it is true.
11 September 2023
Reply from Utmost Life and Pensions
Hi Mr Wilson. I am sorry that you feel us sending you an invite to review MyUtmost was inappropriate. As the service is still relatively new, we are keen to ask policyholders how they are getting on with it, so we can learn and make improvements. I will make sure we don't ask you to provide feedback for future interactions. Regards Laura
Intuitive interface
5 September 2023
Reply from Utmost Life and Pensions
Hi. Thanks for taking the time to provide some feedback. Regards Laura
Really poor implementation of a simple portal
The online portal simply refuses to work with Safari so I had to download Chrome. Even on Chrome it was soooo slow to load and use.
11 September 2023
Reply from Utmost Life and Pensions
Hi Mr Hepworth. Thank you for taking time to provide some feedback. I am sorry to hear that you have been having difficulties accessing MyUtmost. We are in the process of developing a MyUtmost app, which may make access easier for you. We will let policyholders know when this is available. Regards Laura
Utmost the pensions provider
Utmost has been a good pensions provider, out performing others
11 September 2023
Reply from Utmost Life and Pensions
Hi Phil. Thanks for taking time to provide some feedback. Regards Laura
The staff with whom I spoke with on at…
The staff with whom I spoke with on at least 5 occasions were polite, erudite and helpful.
The overall experience was therefore very good leading to a happy conclusion.
Thank you .
31 July 2023
Reply from Utmost Life and Pensions
Hi Mr Chapman. Thanks for taking the time to provide some feedback. I am so pleased to hear that you had a good experience when you called us. Regards Laura
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