Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
White Rose Finance Group Limited Reference number: 630772 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- F&G Life Ltd (FRN 1048322) is an AR of White Rose Finance Group Limited (FRN 630772). When you use F&G Life's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from F&G Life, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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No website on the FCA register
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Phone number
-
Address
128 City Road, London, Islington, EC1V 2NX, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- What kind of line 07787 029110 is
- Whether EC1V 2NX is a shared office: 220 other firms give it
FCA permissions and consumer protection
- Protection through the principal firmProtection works through White Rose Finance Group Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 16852319 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 13 November 2025 (less than a year old)
- Registered office
- 128 City Road, London, EC1V 2NX, United Kingdom
- Nature of business
-
- Life insurance (SIC 65110)
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Ghafoor Ahmed | Director | Apr 1977 | 13 Nov 2025 | 3 other companies |
| Khadijah Ahmed | Director | May 2002 | 13 Nov 2025 | None |
Other companies run by these 2 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
- 3
- closed down
- 1
- still active
- 2
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
Key dates in its history
F&G Life’s history from the FCA register and Companies House, newest first.
2026
16 January 2026
- Became an appointed representative
FCA register
2025
13 November 2025
- Incorporated at Companies House
- Ghafoor Ahmed became the majority owner (50–75% of shares)
- Khadijah Ahmed became a part-owner (25–50% of shares)
- Ghafoor Ahmed appointed as a director
- Khadijah Ahmed appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like F&G Life
Other firms of the same type (insurance broker), nearest first.
In London
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 F&G Life
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details, 1 flagged
- All 6 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk