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... Zobacz więcej
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Zobacz, co mówią recenzenci
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... Zobacz więcej
Reakcja na opinię
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... Zobacz więcej
Reakcja na opinię
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... Zobacz więcej
Reakcja na opinię
Informacje dotyczące firmy
Informacje o Utmost Life and Pensions
Napisane przez firmę
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.
Dane kontaktowe
Utmost Life and Pensions, Walton Street, Aylesbury, HP21 7QW, Buckinghamshire, Zjednoczone Królestwo
- 0330 159 1530
- enquiries@utmost.co.uk
- utmost.co.uk
3,2
Średnia
353 recenzji
Odpowiada na 100% z negatywnych recenzji
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This is not a great experience
This is not a great experience
My pension money with utmost is being held. Am not able to access. I will probably die and family will continue to fight for my pension
I really believe we are being scammed.
Almost won't talk I have lost £38000
This company won't talk to me.
Why can't I have my pension
I give up not allowing my pension
2 września 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Mr Aldridge. Thank you for taking the time to provide some feedback and I am sorry to hear about your experience with us recently. I have spoken to the teams involved in your case and I understand they have already been in contact with you with details of how to progress your payment. Unfortunately, there are benefits in the type of policy you have, that mean that financial advice needs to be obtained before we can release your money. This is not an Utmost Life and Pension requirement but is a legal requirement that applies to pensions with similar benefits. I recognise this is frustrating but this law is in place to ensure that people understand the impact of losing guarantees in their existing pensions. Regards Laura
Excellent service from Rod at Utmost…
I have spoken to Utmost twice in the past 17 days. Both times I was lucky to talk to the same person, Rod. Our conversations were professional, helpful and polite, he gave me the information I requested in a way I could understand. If I need to speak to Utmost in the future, I hope Rod is the person I will talk with. Thank you, Rod.
2 sierpnia 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Mr Mountford. Thank you for taking the time to provide some feedback. I am so glad to hear that you had such a positive experience and I have passed your feedback on to Rod. Regards Laura
Terrible communications
I found it very difficult to get in contact with utmost. The phone lines kept cutting off after I had been in the queue for a very long time. At one point 39 minutes. I think this is something that needs looking into. I must say after I complained about this I found the communication over email to be very efficient and helpful. A shame I had to complain prior to getting good customer service.
30 lipca 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi. Thanks for talking the time to provide some feedback and I am sorry that you are struggling to talk to someone. You have put this review on the Utmost Life and Pensions page and you do not have a policy with us. However, I have been in touch with someone from the other part of the Utmost Group and they believe you may be their customer. They have said that if you email your details to relationshipmanagement@utmost.ie one of the team will come back to you as soon as possible. Regards Laura
Believe all the negative reviews
Believe all the negative reviews. I’ve been dealing with Utmost Trust regarding the surrendering of policies for a trust my late father set up for my children. Their response to even the simplest email request is incredibly slow. I've have to call their Isle of Man office and send numerous emails to chase progress. Despite being very patient, it’s been dragging on for too long and I'm not that further along in the process than where I was at 6 months ago. Granted, when you do communicate or speak to them, they are polite, but then it's followed by delays and misinformation. I emailed them last week informing them that I would make a complaint if I didn’t get a response to a straightforward query by a certain date. As expected, no response. I’m now in the process of compiling an official complaint. Their lack of customer service, as reflected in other reviews, is obvious. I do due diligence when using a company, so personally I would not given Utmost Trust my business if the choice had been mine.
16 lipca 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Carolyn. Thanks for taking time to provide some feedback and I am sorry to hear that you have not had a positive experience. Unfortunately, you have put this review on the Utmost Life and Pensions page and you do not have a policy with us, so I cannot help you. However, I have passed on your comments to the appropriate part of the Utmost Group and they have come back and said they are aware of your case and have emailed you this afternoon. I hope that you get this situation resolved soon. Regards Laura
This is the worst company in any sector…
This is the worst company in any sector I have ever had dealings with. The bureaucracy is incompetent, obstructuve and time-wasting in a degree that I have never encountered before. I wish I could be free of them
9 lipca 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi. Thanks for taking time to provide some feedback and I am sorry to hear that you have had a bad experience with us. Unfortunately, I am not able to see which of the companies in the Utmost Group looks after your policy but please email me at enquiries@utmost.co.uk and let me have your name and policy number and I will arrange for one of my team to contact you. If your policy is not with Utmost Life and Pensions (which is the page you have left the review on) I may be able to pass on your details to one of the other companies. I hope that you give us the opportunity to sort this out for you. Regards Laura
Having closed my pension
Having closed my pension, the settlement date of the last part of the fund was June 12th. As yet, no funds have been received 9 days later. Having worked in Financial markets all my life, most deals are settled at T + 2 days. Funds take less than 24 hours to be remitted anywhere in the world, sometimes instantaneously. So why the delay then ? This seems either at best incompetence, or at worst something more sinister. My financial advisor contacted them after a week, but they did not reply. I spoke directly on the phone, but they could not give me details as I was not the financial advisor. Fair enough, but they did say it had been sent for payment. So why the delay? Surely it must be illegal for companies to hold on to customer funds longer than required. I can only guess that their operations/back office is something from the stone age, or they are using delaying tactics.
21 czerwca 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Dear Matthew,
Thank you for taking the time to leave a review, customer feedback is important to us. You have left this review on the Utmost Life and Pensions page and I can confirm you don't have a policy with us. However, I have found that your policy is with another part of the Utmost Group and I have been in contact them and they have provided the following update: 'the appropriate team have reviewed your case and reached out to the fund manager for an update on the settlement proceeds. As soon as the monies are received from the external fund we will ensure a timely execution in your favour. We have updated the Trustees in this regard. Should you wish to speak to us further in relation to this please contact us at relationshipmanagement@utmost.ie, quoting your policy number and this review.'
I hope this information is useful. Regards Laura
My later experience with Utmost
Ok, so after 4 months of toing and froing and filling in forms I finally heard from a lady at Utmost to say they would pay the money into my bank (although not a lot I have to say in the end). Admittedly my partner died over 20 years ago and Utmost have been trying to find me through his old company. A colleague of his told me they had been trying to 'find' me. My concern is that nothing was in writing for some reason (apart from the forms I filled in) and was only spoken about on the phone. Glad it's finally all over now as it brought up a lot of old memories again! All sorted now, thank you and I must say I DO appreciate Utmost for trying to find me in the first instance.
17 czerwca 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Jacky. Thanks for providing an update on your case and I am pleased to see that we have managed to bring this to a conclusion. Regards Laura
Disappointed with the Service
Disappointed with the Service. Called Utmost to discuss my pension. After 22 minutes on the phone speaking to Tina and Gabriella at the contact centre, asking to speak to a pension manager about the poor management of my pension, I was promised a call back after they had returned from lunch! It is now 4 pm. and no call back. Whilst waiting for my call back I have read all the other poor reviews of this company which is uncomfortable reading but confirms that I am probably wise to transfer my money to a pension company that will offer me a better service for the charges they are making.
17 maja 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Karen. Thank you for taking the time to provide some feedback and for discussing your situation with me earlier today. I hope that I was able to provide you with the information you need and put your mind at rest about the changes we are looking to introduce to support our policyholders more in the future. Please contact me if you have any further questions or concerns. Regards Laura
Utmost - dinosaurs of the pension world
On 23-Jan-2024 I rang both Utmost and Reassure to withdraw the 25% tax free sum from my pensions with these companies.
On 7-Feb the money from Reassure was in my bank account (and 1 week of that time was a delay on my part).
On 27-Mar Utmost finally sent me the application form online and the paper copy has still not arrived.
If you want an efficient company to handle your pension then consider Reassure. If you want a company where efficiency doesn't seem to be in their vocabulary, then Utmost is the one for you.
4 kwietnia 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Paul. Thanks for taking the time to provide some feedback and I am sorry to hear that you have not had a good experience with us. Without having your details I am unable to look at the history of your case but I am surprised that it took that long to get a form out to you, as we work to get information out within 10 working days. Normally, if someone is a digital customer with us we send information via MyUtmost and you can download the forms from there. Please email me at enquiries@utmost.co.uk if you still have not completed your claim and I will arrange for one of my team to contact you. Regards Laura
Had my equitable pension transferred…
Had my equitable pension transferred there; I’ve since transferred it in (a rather longwinded process dictated by Utmost) to a SIPP in HL. Utmost has a very rudimentary website compared with more modern systems like HL or AJ Bell which are full of helpful advice: find that self investment is easy with the advice online with these two companies (HL and AJ Bell) and my investment is doing much much better!.. I’m in my 60s so it’s never too late to take charge yourself and give your pension a boost.
2 kwietnia 2024
Opinia niezależna
I was worried by some of the reviews…
I was worried by some of the reviews here, that it would take a long time to withdraw funds. Happily, that was not the case at all. It took some time to submit the withdrawal form (registered post, next time maybe I'll send it by courier). Within a few days of delivery, I was asked to set up a security call, which was straightforward. Approx. 4 days later the funds arrived in my account in the EU. I can only assume that other reviewers did not submit the documents properly, or couldn't clear security for some reason. My few telephone interactions were all dealt with in a prompt and friendly fashion. I would be happy to recommend Utmost.
13 marca 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Mr Smith. Thanks for taking time to provide some feedback on your recent experience. I am so pleased to hear how positive this experience was and I will certainly pass your feedback on to the teams that dealt with your claim. Regards Laura
Awful company
Awful company with a poor website and make transferring to another company as difficult as possible.
10 marca 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Mr Davies. Thank you for taking time to provide some feedback and I am sorry to hear you have not had a good experience with us recently. If you are still struggling to complete your transfer please contact me at enquiries@utmost.co.uk and I will arrange for one of my team to look it into this for you. Regards Laura
Generally good service except when the…
Generally good service except when the plan came up for repayment. The process is so long winded. To finalise I need to be glued to a mobile telephone that I emailed them. Not sure what the additional security is around that process is since email already is a view security method.
8 stycznia 2024
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Ani. Thanks for taking time to provide some feedback. I am sorry to hear that you found the claims process frustrating. We do have extra security for our online facility but it is important to us that we protect your data. Please email me at enquiries@utmost.co.uk if you are still having problems and I will get one of my team to contact you as soon as possible. Regards Laura
Terrible customer service
A frustrating poor company to deal with. Ever since I was signed up through another provider which became Utmost it’s been endless problems. Names change, access to funds change all resulting in several occasions when I have no visibility or access to my pension. To make matters worse their help team are absolutely useless and don’t respond to customers. An entire month this time with no access to my investments. I’m effectively paying fees for zero service.
I am now looking to find a new company, had enough. Be warned this company is very poor.
18 grudnia 2023
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Chris. Thanks for taking the time to provide some feedback and I am sorry to hear that you have been experiencing some problems getting information from us. From the details provided, I am not able to see if you are a customer of Utmost Life and Pensions or a different part of the Utmost Group. Please can you email me at enquiries@utmost.co.uk and let me have your policy number and a contact number and I will arrange for someone from the appropriate team to contact you. Regards Laura
I don't think you can improve
I don't think you can improve. You need to sack your fund managers. They should have skin in the game and lose money when the02ir investments fail.
Shocking
5 grudnia 2023
Opinia niezależna
Odpowiedź od Utmost Life and Pensions
Hi Mr Fern. Thanks for taking the time to provide some feedback. I am sorry to hear that you are disappointed with the returns you are receiving and we would like to be able to talk to you about this. Please can you email me at enquiries@utmost.co.uk and let me know your policy number, so I can see if you have a policy with Utmost Life and Pensions or another part of the Utmost Group. Regards Laura
Odpowiedź od Utmost Life and Pensions
Hi Tessa. Thanks for taking time to provide some feedback. I am glad to hear that you had a positive experience when you called our Contact Centre. Regards Laura
Accessing your account.
Checking my account was easy and felt safe. Unfortunately the value of the account has fallen and is still falling. These circumstances make investors wary and a little nervous.
16 listopada 2023
Odpowiedź od Utmost Life and Pensions
Hi Richard. Thanks for taking the time to provide some feedback. I am glad to hear that you are getting on well using MyUtmost. As you have mentioned the markets are still volatile which is having an effect on the value of pension policies and we have more information about this on our website. Regards Laura
Website is easy to access to review…
Website is easy to access to review value of my pension pot
14 listopada 2023
Odpowiedź od Utmost Life and Pensions
HI Mr McPherson. Thanks for taking time to provide some feedback. I am glad to hear you are finding MyUtmost easy to use. Regards Laura
Generic pension provider that has lost…
Generic pension provider that has lost money from my pension fund
6 listopada 2023
Odpowiedź od Utmost Life and Pensions
Hi Marc. Thanks for taking time to provide some feedback. I am sorry to hear that you are disappointed with the performance of your funds. We have seen volatility in the markets that has affected some funds more than others. You can find information on our website about all the funds that are available should you wish to switch your investments. Switching is free of charge and you can call, email, write or perform a switch via MyUtmost if that is more convenient. Regards Laura
Odpowiedź od Utmost Life and Pensions
Hi Martin. Thanks for taking the time to provide some feedback. I am sorry to hear that you are having trouble with our online service. This is not an issue that other policyholders have made us aware of but please contact us if this continues to be a problem. Regards Laura
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