Financial Soundness
A strong capital base
Solvency II regulations have been designed to help insurance businesses, such as Royal London Ireland, calculate their available capital (which is broadly assets minus liabilities), assess and manage their risks and ensure that they hold sufficient capital to take account of those risks.
Royal London Ireland is strongly capitalised, with a solvency ratio of 196% as of 31 December 2025.
This means we hold 1.96 times the regulatory capital required to meet all our obligations, including expected future claims.
Solvency and Financial Condition Report (SFCR)
As our 2025 Solvency and Financial Condition Report (SFCR) highlights:
"2025 was another successful year for Royal London Ireland, with new business premiums (measured by Annual Premium Equivalent) increasing by 87% compared to the previous year, driven by record sales in both our protection and pension product lines, majorly supplemented by the first full year of trading for our new Personal Retirement Savings Account proposition following its launch in November 2024. On an Irish GAAP basis, the Company’s profit after tax for 2025 was €30.2m (2024: €11.0m)."
A ratings
Standard & Poor’s reaffirmed our parent company's A rating for financial strength and stability in June 2025, as did Moody's (A2) in October 2025.*
* Our parent company, The Royal London Mutual Insurance Society Ltd. received an A (Stable) Counterparty Credit Rating from Standard & Poor’s in June 2025 and an A2 (Stable) Insurance Financial Strength Rating from Moody’s in October 2025.
Financially strong and secure
We are committed to looking after the intrerests of our customers.