Insure Life Limited

Reference number: 913606

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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 insurelifegroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 01270 694949 is
  • Who else gives the postcode CW1 6EA
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Other names (6)

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

  • Business Protection Trading name
  • Claritee Health Trading name
  • Claritee Healthcare Trading name
  • The Insure Life Group Trading name
  • Clarity Healthcare Former trading name
  • Michael Andrew Protection Services Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • 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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (4 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Credit Broking
  • 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
12014990
Company status
Active
Company type
Private limited company
Incorporated
23 May 2019 (7 years old)
Registered office
7-9 Macon Court, Crewe, Cheshire, CW1 6EA, England
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
David Alexander Lewis Clapp Director Mar 1976 23 May 2019 13 other companies
Adam Kirkham Director Mar 1981 1 Aug 2019 None
John Brian Stephenson Director Dec 1972 1 Aug 2019 1 other company

Other companies run by these 3 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
14
closed down
4
went insolvent
1

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The one on the FCA register
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£41.9k

<1% from £42.2k

Cash at bank

£45.8k

−31% from £66.7k

Employees (average)

4

Same as 4

Owed within a year

£14.4k

−45% from £26.1k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 12014990. 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

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

Key events (5) All events (20)

2020

24 November 2020

  • Adam Kirkham became a part-owner (25–50% of shares)

Companies House

2 March 2020

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2019

23 May 2019

  • Incorporated at Companies House
  • Gms Investment Group Limited became a part-owner (25–50% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Insure Life

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

connected firms
6
no longer authorised
1
share a director
1

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (1), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Insure Life

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

In Crewe

Likewize Device Protection UK LimitedCreweAuthorisedCoverdrone LimitedCreweAuthorisedBluedawn Corporation LimitedCreweAuthorisedHilton Thompson LimitedCreweAuthorisedInsurance Connections (Brokers) UK LtdCreweAuthorisedLifestyle Services Group LimitedCreweAuthorised

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 Insure Life

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 20 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Insure Life Limited FCA authorised?
Yes, Insure Life Limited (FRN 913606) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2020 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Insure Life’s phone number and website?
The FCA register lists the phone number 01270 694949 and the website insurelifegroup.co.uk for Insure Life. If you were given different contact details, use these to check with the firm before going any further.
Is Insure Life a scam or clone?
Insure 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 Insure Life?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Insure Life to the Financial Ombudsman Service, free of charge.
Who owns Insure Life?
Companies House lists 2 people with significant control of Insure Life: Mr Adam Kirkham (25–50% of shares) and Gms Investment Group Limited (25–50% of shares).
Who runs Insure Life?
Companies House lists 3 directors of Insure Life: David Alexander Lewis Clapp, Adam Kirkham and John Brian Stephenson.
How long has Insure Life been in business?
The company was formed on 23 May 2019, and has held its current FCA authorisation since March 2020.
What do Insure Life’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £41.9k (<1% from £42.2k) and cash at bank of £45.8k (−31% from £66.7k).
Does Insure Life use any other names?
It trades as Business Protection, Claritee Health, Claritee Healthcare and The Insure Life Group. It has previously used 2 other names: Clarity Healthcare and Michael Andrew Protection Services.

Sources and links

The full report on Insure Life Limited

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