Secure for Life Ltd

Reference number: 693798

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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.

Responsible principal firm

Red Dot (Cymru) Ltd Reference number: 302540 Authorised 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.
  • Secure for Life Ltd (FRN 693798) is an AR of Red Dot (Cymru) Ltd (FRN 302540). When you use Secure for Life's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Secure for 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.

In the full report: 3 background checks

  • When secureforlife.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 098 7990 is
  • Who else gives the postcode SA1 3LW
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Red Dot (Cymru) Ltd, 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, free
    You 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
09570173
Company status
Active
Company type
Private limited company
Incorporated
30 April 2015 (11 years old)
Registered office
43 Brynymor Road, Gowerton, Swansea, SA4 3EY, United Kingdom
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
James Michael Cullen Director Sep 1985 30 Apr 2015 1 other company
Richard James Palmer Director Jul 1984 30 Apr 2015 4 other companies
Marc Paul William Standish Director Oct 1982 30 Apr 2015 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
4
closed down
2
is FCA-registered
1

In the full report: all 4 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 one on the FCA register
  • The 1 company these 3 directors run together
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£869k

+16% from £749k

Cash at bank

£1.42m

−3.7% from £1.47m

Employees (average)

63

−15% from 74

Owed within a year

£892k

<1% from £896k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 09570173. 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

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

Key events (5) All events (8)

2016

1 July 2016

  • James Michael Cullen became a part-owner (25–50% of shares)
  • Marc Paul William Standish became a part-owner (25–50% of shares)
  • Richard James Palmer became a part-owner (25–50% of shares)

Companies House

2015

11 May 2015

  • Became an appointed representative

FCA register

30 April 2015

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Secure for Life

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

connected firms
3
share a director
1
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Secure for Life

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

In Swansea

Ashley Kissick Financial Advisers LtdSwanseaAppointed representativeCosgrove Brown Financial Planning LtdSwanseaAppointed representativeDavies & Preedy Financial Planning LtdSwanseaAppointed representativeGood Financial Advice LimitedSwanseaAppointed representativeGreen Castle Financial Planning LtdSwanseaAppointed representativeJonathan Cook ReesSwanseaAppointed representative

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 Secure for Life

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Secure for Life Ltd FCA authorised?
Secure for Life Ltd (FRN 693798) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Secure for Life?
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. Secure for Life Ltd (FRN 693798) is an AR of Red Dot (Cymru) Ltd (FRN 302540). When you use Secure for Life's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Secure for 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.
What is Secure for Life’s phone number and website?
The FCA register lists the phone number 0800 098 7990 and the website secureforlife.co.uk for Secure for Life. If you were given different contact details, use these to check with the firm before going any further.
Is Secure for Life a scam or clone?
Secure for 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 Secure for Life?
Protection works through Red Dot (Cymru) Ltd, the principal firm responsible for Secure for Life's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Secure for Life?
Companies House lists 3 people with significant control of Secure for Life: Mr James Michael Cullen (25–50% of shares), Mr Richard James Palmer (25–50% of shares) and Mr Marc Paul William Standish (25–50% of shares).
Who runs Secure for Life?
Companies House lists 3 directors of Secure for Life: James Michael Cullen, Richard James Palmer and Marc Paul William Standish.
How long has Secure for Life been in business?
The company was formed on 30 April 2015.
What do Secure for Life’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £869k (+16% from £749k) and cash at bank of £1.42m (−3.7% from £1.47m).

Sources and links

The full report on Secure for Life Ltd

£19.99 · Instant PDF download

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