Pangea Life Limited

Reference number: 931756

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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, 1 thing worth a closer look

  • When pangealife.co.uk first appeared online, and whether it can receive email
  • What kind of line 023 8235 4354 is, and the 2 other firms that give it
  • Who else gives the postcode SO21 1TH
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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.
  • 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 (3 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • 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
09866582
Company status
Active
Company type
Private limited company
Incorporated
11 November 2015 (10 years old)
Registered office
Hillview House, Unit 4 Leylands Business Park, Colden Common, Winchester, SO21 1TH, England
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Goulter Director Dec 1987 11 Nov 2015 1 other company
Michael David Edgeley Director Oct 1966 15 May 2026 5 other companies
Philip John Williams Director May 1983 15 May 2026 51 other companies
Jitendra Patel Secretary Not published 31 Mar 2026 –

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
54
closed down
19
are FCA-registered
11

In the full report: all 54 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 11 on the FCA register, including one no longer authorised
  • The 3 companies these 3 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£158k

−6.4% from £169k

Cash at bank

£256k

−12% from £291k

Employees (average)

7

+17% from 6

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 09866582. 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

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

Key events (14) All events (24)

2026

31 March 2026

  • Clear Group (Holdings) Limited took control (75–100% of shares)
  • Lee Spencer Thomas stopped being a part-owner
  • Sarah Goulter stopped being the majority owner

Companies House

25 February 2026

  • Sarah Goulter became the majority owner (50–75% of shares)
  • Stephen Goulter gave up control

Companies House

2021

20 July 2021

  • Lee Spencer Thomas became a part-owner (25–50% of shares)

Companies House

2020

10 November 2020

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

FCA register

2018

4 September 2018

  • Graham Michael Jacobs stopped being a part-owner
  • Paul Richard Chapman stopped being a part-owner

Companies House

2017

22 June 2017

  • Graham Michael Jacobs became a part-owner (25–50% of shares)
  • Stephen Goulter took control (75–100% of shares)

Companies House

20 June 2017

  • Paul Richard Chapman became a part-owner (25–50% of shares)

Companies House

2015

11 November 2015

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (14 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Pangea Life

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

connected firms
10
share a director
9
share its phone number
2

In the full report: all 10 connected firms, named

  • How each is linked: shared directors (9), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Pangea Life

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

In Winchester

Bcm Bays Curry McCowen LLPWinchesterAuthorisedi-wonder aggregator services limitedWinchesterAuthorisedPangea Insurance Brokers LtdWinchesterAuthorisedRooster Financial Services LtdWinchesterAuthorisedSecure Choice Advice LimitedWinchesterAuthorisedWims LimitedWinchesterAuthorised

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 Pangea Life

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

  • 54 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 24 events in its history
  • 10 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pangea Life Limited FCA authorised?
Yes, Pangea Life Limited (FRN 931756) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2020 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Pangea Life’s phone number and website?
The FCA register lists the phone number 023 8235 4354 and the website pangealife.co.uk for Pangea 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 2 other FCA firms.
Is Pangea Life a scam or clone?
Pangea 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 Pangea 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 Pangea Life to the Financial Ombudsman Service, free of charge.
Who owns Pangea Life?
Pangea Life is owned by Clear Group (Holdings) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 31 March 2026. Before that, it was controlled by Mr Paul Richard Chapman, Mr Graham Michael Jacobs and Sarah Goulter.
Who runs Pangea Life?
Companies House lists 3 directors of Pangea Life: Stephen Goulter, Michael David Edgeley and Philip John Williams.
How long has Pangea Life been in business?
The company was formed on 11 November 2015, and has held its current FCA authorisation since November 2020.
What do Pangea Life’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £158k (−6.4% from £169k) and cash at bank of £256k (−12% from £291k).

Sources and links

The full report on Pangea Life Limited

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