Utmost

Wealth solutions

Utmost is a leading global provider of insurance-based wealth solutions for affluent, high net worth and ultra-high net worth clients worldwide. We provide trusted, unit-linked offerings designed to help our clients to manage and preserve their wealth.

Our products are based on unit-linked life insurance policies that combine simplicity, strong regulation and investment flexibility. We operate in key international markets across the UK, Europe, Latin America, Asia and the Middle East.

With booking centres in Ireland, Luxembourg, the Isle of Man and Guernsey, and branches or offices in the UK, Hong Kong, Singapore, Dubai, Italy, Spain, Portugal, France, Belgium and Switzerland, we provide global reach with local expertise. Our commitment is to offer outstanding service and intelligent solutions to clients and their advisers.

As at 31 December 2025, Utmost administers £116 billion in assets on behalf of 190,000 policyholders.

Utmost is headquartered in London and operates from 14 locations worldwide. Our life insurance entities are based in Ireland, Luxembourg, the Isle of Man and Guernsey, jurisdictions that offer strong policyholder protection through well-established legal and regulatory frameworks.

Utmost is financially and operationally robust. The Fitch Insurer Financial Strength ratings for the Group’s insurance companies, including Utmost International Isle of Man, Utmost PanEurope dac, Utmost Worldwide and Utmost Luxembourg S.A., are individually rated A+ with Stable Outlooks*, reflecting Fitch’s assessment of Utmost’s ability to meet policyholder obligations.

All our companies must comply with local obligations and are consolidated on a Solvency II consistent basis. We maintain strong capital positions and manage liquidity prudently, helping to ensure long-term stability and the ability to support clients through generations.

*As at 18 August 2026