Certua Life Limited

Reference number: 1043718

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When certua.io first appeared online, and whether it can receive email
  • What kind of line 020 4526 4920 is, and the other firm that gives it
  • Who else gives the postcode WC1X 8PL
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Surely Trading name
  • Surely Life Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Accepting Deposits
  • Arranging (bringing about) deals in investments
  • Carrying out contracts of insurance
  • Effecting contracts of insurance
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
16478879
Company status
Active
Company type
Private limited company
Incorporated
28 May 2025 (1 year old)
Registered office
12-18 Theobalds Road, London, WC1X 8PL, England
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
John Anthony Levin Director Nov 1963 28 May 2025 32 other companies
Thomas James Williams Director Jun 1986 28 May 2025 1 other company
James William Reader Director Sep 1970 2 Mar 2026 None
Paul Mark Whitlock Director Nov 1957 2 Mar 2026 4 other companies
Charles Edgar Fryer Secretary Not published 28 May 2025 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
36
closed down
14
are FCA-registered
11

In the full report: all 36 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 11 on the FCA register, including 2 no longer authorised
  • The 1 company these 4 directors run together
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Filed accounts and finances

7 months to 31 December 2025Small company accountsNot audited

Net assets

£1

No earlier figure to compare

Cash at bank

£1

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 16478879. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Certua Life’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2026

5 March 2026

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date
  • Became authorised by the FCA

FCA register

2025

28 May 2025

  • Incorporated at Companies House
  • Certua Group Limited took control (75–100% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Certua Life

Other FCA-listed firms that share a director, phone number or address with Certua Life. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
no longer authorised
1
share a director
3

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 7 past links through former directors
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Firms like Certua Life

Other firms of the same type (insurer), nearest first.

In London

Cx Reinsurance Company Limited.LondonAuthorisedUBS Asset Management Life LtdLondonAuthorisedNavigators Insurance CompanyLondonAuthorisedChubb European Group SELondonAuthorisedChubb Life Europe SELondonAuthorisedFederal Insurance CompanyLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Certua Life

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 36 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 13 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Certua Life Limited FCA authorised?
Yes, Certua Life Limited (FRN 1043718) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2026 and works as an insurer. The FCA has placed no limits on its permissions.
What is Certua Life’s phone number and website?
The FCA register lists the phone number 020 4526 4920 and the website certua.io for Certua Life. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Certua Life a scam or clone?
Certua Life is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Certua Life?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Certua Life to the Financial Ombudsman Service, free of charge.
Who owns Certua Life?
Certua Life is owned by Certua Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 28 May 2025.
Who runs Certua Life?
Companies House lists 4 directors of Certua Life: John Anthony Levin, Thomas James Williams, James William Reader and Paul Mark Whitlock.
How long has Certua Life been in business?
The company was formed on 28 May 2025, and has held its current FCA authorisation since March 2026.
What do Certua Life’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1 (no earlier figure to compare) and cash at bank of £1 (no earlier figure to compare).
Does Certua Life use any other names?
It trades as Surely. It has previously used the name Surely Life.

Sources and links

The full report on Certua Life Limited

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