Your Life Solutions Limited

Reference number: 554207

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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 yourlifeprotected.co.uk first appeared online, and whether it can receive email
  • What kind of line 01275 404268 is
  • Who else gives the postcode BS20 6PY
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Other names (3)

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

  • Guided Trading name
  • Specialist Life Insurance Trading name
  • Your Life Protected 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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
  • Assisting in the administration and performance of a contract of insurance
  • Making arrangements with a view to transactions in investments

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.
  • Unable to hold client assets for MiFID activities
    Unable to hold client money or safeguard and administer assets (without arranging) in relation to any investment services and activities (to which MiFID applies)

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
07616870
Company status
Active
Company type
Private limited company
Incorporated
27 April 2011 (15 years old)
Registered office
Carpenters House High Street, Portishead, Bristol, BS20 6PY, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Thomas Derham Director Mar 1989 27 Apr 2011 1 other company

Other companies run by its director

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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 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

Turnover

£97.9k

Not compared: the previous accounts cover a different length of time

Profit before tax

£47.0k

Not compared: the previous accounts cover a different length of time

Net assets

£61.7k

+6.7% from £57.9k

Cash at bank

£71.3k

+2.3% from £69.6k

Net assets

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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.

Accounts filed at Companies House for company 07616870. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (7) All events (16)

2022

13 May 2022

  • FCA imposed a requirement (Activities only in respect of long term insurance.)
  • FCA imposed a requirement (Unable to hold client assets for MiFID activities)

FCA register

2016

6 April 2016

  • Michael Thomas Derham took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

3 October 2011

  • Became authorised by the FCA

FCA register

8 July 2011

  • Regulated by the Financial Services Authority from this date

FCA register

27 April 2011

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms like Your Life Solutions

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

In Bristol

Autoease Vehicle Management LimitedBristolAuthorisedAccident Claims Handlers LimitedBristolAuthorisedAshley Rodwell Insurance Agencies LimitedBristolAuthorisedAssured Travel Solutions LtdBristolAuthorisedAssurity Solutions LtdBristolAuthorisedBrunel AssociatesBristolAuthorised

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 Your Life Solutions

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history

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Frequently asked questions about this firm

Is Your Life Solutions Limited FCA authorised?
Yes, Your Life Solutions Limited (FRN 554207) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2011 and works as an insurance broker. The FCA has placed 2 limits on what it may do.
What is Your Life Solutions’ phone number and website?
The FCA register lists the phone number 01275 404268 and the website yourlifeprotected.co.uk for Your Life Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Your Life Solutions a scam or clone?
Your Life Solutions 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 Your Life Solutions?
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 Your Life Solutions to the Financial Ombudsman Service, free of charge.
Who owns Your Life Solutions?
Companies House lists one person with significant control of Your Life Solutions: Mr Michael Thomas Derham (75–100% of shares).
Who runs Your Life Solutions?
Companies House lists one director of Your Life Solutions: Michael Thomas Derham.
How long has Your Life Solutions been in business?
The company was formed on 27 April 2011, and has held its current FCA authorisation since October 2011.
What do Your Life Solutions’ latest accounts show?
Its latest accounts, to 30 September 2025, show turnover of £97.9k (not compared: the previous accounts cover a different length of time) and profit before tax of £47.0k (not compared: the previous accounts cover a different length of time).
Does Your Life Solutions use any other names?
It trades as Guided, Specialist Life Insurance and Your Life Protected.

Sources and links

The full report on Your Life Solutions Limited

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