Utmost Life and Pensions Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2017

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.

Website

utmost.co.uk (opens in a new tab)
Phone number

0330 159 1530
Address

Walton Street, Aylesbury, Buckinghamshire, HP21 7QW, United Kingdom

In the full report: 3 background checks

When utmost.co.uk first appeared online, and whether it can receive email
What kind of line 0330 159 1530 is, and the other firm that gives it
Who else gives the postcode HP21 7QW

Other names (2)

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

LCCG New Lifeco Limited Former name: A name it was registered under before.
Reliance Life Limited Former name: A name it was registered under before.

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.
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.
Sell or arrange insurance FSCS may apply
Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
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 (13 permissions)

Accepting Deposits
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Arranging safeguarding and administration of assets
Carrying out contracts of insurance
Dealing in investments as agent
Dealing in investments as principal
Effecting contracts of insurance
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Establishing/operating/winding up a personal pension scheme
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Making arrangements with a view to transactions in investments
Safeguarding and administration of assets (without arranging)

Limits on what they may do

Activities only in respect of long term insurance.

The firm may only carry on listed activities in respect of the investments specified for the purpose of its long term insurance business.

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: 10559664 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 January 2017 (9 years old)
Registered office: Utmost Life And Pensions Ltd, Walton Street, Aylesbury, HP21 7QW, England
Nature of business: Life insurance (SIC 65110)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Paul Thompson	Director	Jun 1962	12 Jan 2017	53 other companies
Ian Graham Maidens	Director	Jul 1964	12 Jan 2017	71 other companies
Duncan Alistair Finch	Director	Nov 1965	1 Apr 2018	19 other companies
Michael John Merrick	Director	Jan 1960	27 Mar 2019	1 other company
Feilim Mackle	Director	Jul 1967	29 Apr 2020	42 other companies
David Michael Baker	Director	Sep 1966	6 Oct 2023	11 other companies
Jeremy Michael Nurse	Director	May 1963	8 Jul 2024	12 other companies
Andrew Mark Stoker	Director	Nov 1967	1 Jan 2025	3 other companies
Christopher Mark Utting	Secretary	Not published	29 Nov 2018	–

Other companies run by these 8 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: 166
closed down: 62
went insolvent: 2

In the full report: all 166 companies, named

What each company does, and whether it is still trading
Which of these 8 directors sit on each board, and since when
The 2 that went into liquidation or administration
The 20 on the FCA register
The 34 companies these 8 directors run together
All 19 people who have ever been directors, with their dates

Key dates in its history

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

Key events (8) All events (40)

2019

4 March 2019

Changed its registered name from "Reliance Life Limited"

FCA register

2018

12 April 2018

Changed its registered name from "LCCG New Lifeco Limited"

FCA register

2017

14 November 2017

Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
FCA imposed a requirement (Activities only in respect of long term insurance.)
Became authorised by the FCA

FCA register · Companies House

12 January 2017

Incorporated at Companies House
Utmost Life And Pensions Holdings Limited took control (75–100% of shares)

Companies House

In the full report: all 40 events

All 40 events in its history (8 shown here)
Every director appointment and resignation: 30

Firms connected to Utmost Life and Pensions

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

connected firms: 5
share a director: 3
share its phone number: 1

In the full report: all 5 connected firms, named

How each is linked: shared directors (3), the same phone number (1), the same postcode (3)
Who links each one: the named directors, with dates
8 past links through former directors

Firms like Utmost Life and Pensions

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

In Aylesbury

Equitable Life Assurance Society, (The)AylesburyAuthorised Forsakringsaktiebolaget Agria (publ)AylesburyAuthorised

In the Hemel Hempstead (HP) postcode area

Maiden General Försäkrings AB, UK BranchHigh WycombeAuthorised Maiden Life Försäkrings AB, UK BranchHigh WycombeAuthorised

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 Utmost Life and Pensions

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

166 other companies its directors have run, named
3 background checks on its contact details
All 40 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Utmost Life and Pensions Limited FCA authorised?

Yes, Utmost Life and Pensions Limited (FRN 775704) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2017 and works as an insurer. The FCA has placed a limit on what it may do.

What is Utmost Life and Pensions’ phone number and website?

The FCA register lists the phone number 0330 159 1530 and the website utmost.co.uk for Utmost Life and Pensions. 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 Utmost Life and Pensions a scam or clone?

Utmost Life and Pensions 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 Utmost Life and Pensions?

It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Utmost Life and Pensions to the Financial Ombudsman Service, free of charge.

Who owns Utmost Life and Pensions?

Utmost Life and Pensions is owned by Utmost Life And Pensions Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 12 January 2017.

Who runs Utmost Life and Pensions?

Companies House lists 8 directors of Utmost Life and Pensions: Andrew Paul Thompson, Ian Graham Maidens, Duncan Alistair Finch, Michael John Merrick, Feilim Mackle, David Michael Baker and 2 more.

How long has Utmost Life and Pensions been in business?

The company was formed on 12 January 2017, and has held its current FCA authorisation since November 2017.

Does Utmost Life and Pensions use any other names?

It has previously used 2 other names: LCCG New Lifeco Limited and Reliance Life Limited.