RL360

What RL360 does

RL360 Insurance Company Limited is an Isle of Man-domiciled international life assurance company and wholly-owned subsidiary of International Financial Group Limited (IFGL). The company serves internationally mobile expats, local nationals, and affluent/HNW clients with offshore savings, investment, and protection products — the flagship Regular Savings Plan, Oracle and PIMS lump sum investment bonds, and LifePlan whole-of-life and term cover — alongside a suite of trust structures for succession and tax planning (Beneficiary, Discounted Gift, Gift, Loan, International Flexible, and Isle of Man Probate Trusts). Products are distributed exclusively through financial advisers via the dedicated RL360 Adviser portal and seven regional offices (Isle of Man, Malaysia, Uruguay, South Africa, Dubai, Dubai DIFC, Hong Kong), serving clients resident in 200+ countries; customers cannot purchase directly. Underlying technology comprises web-based policy administration through the Online Service Centre, RL360 Wrap for consolidated portfolio viewing, plan-specific Portfolio X-Ray reports for portfolio analytics, Microsoft Office 365 encrypted email, and biometric identity verification via the ID-Pal app.

The business model is fee-and-premium based with no front-end charges, bid-offer spreads, or switching fees on core regular-savings products — revenue accrues primarily through ongoing product management and fund administration fees on plan values, plus insurance premiums on LifePlan and trust administration services. Group scale is material: IFGL reports USD 31bn assets under administration, 212,000 customers, and 600 staff as at 31 December 2025, with an AKG B+ (very strong) financial strength rating and renewed five-star service rating. The 2026 announced acquisition of Octium Group (€8.5bn AUM, Dublin) is the most significant recent strategic move, bringing a Central Bank of Ireland licence for EU/EEA distribution and substantially expanding the group's European footprint. RL360's competitive position rests on Isle of Man regulatory standing (Aa3 Moody's sovereign rating, OECD white list, IMF recognition, 90% policyholder protection scheme) and on the embedded adviser relationships rather than direct-to-consumer marketing.

Name

RL360

Legal name

RL360 Insurance Company Limited

Website

https://rl360.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

251–500 employees

Short description

RL360 Insurance Company Limited is an Isle of Man-based international life assurance company serving globally mobile expats and affluent/HNW clients with offshore savings, investment bonds, life protection, and trust solutions distributed exclusively through financial advisers across 200+ countries.

Ownership category

akta.pro rank

Product category

International Life Assurance

NAICS

Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Life Insurance (6311), Investment Advice (6282)

akta.pro primary industry

Variable Universal Life (VUL) Insurance (FSAIABAD)

akta.pro secondary industries

Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM), Private Client/High-Net-Worth Advisory (FSAEAAAN)

Keywords

• Offshore life assurance
• Offshore investment bonds
• Regular savings plans
• Offshore wealth planning
• Portfolio bond administration

Headquarters

HQ city

Douglas

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Offshore Savings Plans: Regular Savings Plan for globally mobile clients — no initial charges, no bid-offer spreads, no switching fees. Revenue generated through ongoing product management and fund administration fees charged against plan values.
2. Lump Sum Investment Bonds: Oracle (lower lump sum, specific fund range) and PIMS Portfolio Bond (open architecture, wider investment choices). Revenue from management and administration fees on lump sum investment products.
3. Life Insurance / Protection: LifePlan whole-of-life and term protection plans available from USD 200 per month. Revenue through insurance premiums and underwriting.
4. Trust and Tax Planning Services: Technical team provides trust and tax planning advisory support to advisers and clients. Trust administration services including Beneficiary Trust, Discounted Gift Trust, Gift Trust, Loan Trust, International Flexible Trust, and Isle of Man Probate Trust.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

RL360 is an international life assurance company offering offshore savings, investment, and protection products to internationally mobile clients and affluent/high-net-worth individuals. Its core offering combines regular savings plans (Regular Savings Plan, from USD 280/month), lump-sum investment bonds (Oracle from USD 28,000 and PIMS open-architecture bond from USD 70,000), the LifePlan protection plan (from USD 200/month), and a range of six trust structures (Beneficiary, Discounted Gift, Gift, Loan, International Flexible, and Isle of Man Probate Trusts). Products are introduced exclusively through financial advisers using the proprietary RL360 Adviser portal, in-house technical support, and the RL360 Online Service Centre.

Product overview

RL360 is an international life assurance company offering offshore savings, investment, and protection products through a multi-product platform architecture. The core product portfolio includes the Regular Savings Plan and Regular Savings Plan Malaysia for regular investing, Oracle and PIMS for lump sum investments, and LifePlan for protection coverage. These products are complemented by trust structures (Beneficiary Trust, Discounted Gift Trust, Gift Trust, Loan Trust, International Flexible Trust, and Isle of Man Probate Trust) for tax and succession planning. RL360 also provides the Online Service Centre web portal for policy management and the RL360 Wrap platform for wrap account services. Several products are closed to new business including Quantum, Quantum Malaysia, and Paragon, though existing policyholders can continue to top-up and switch funds. The company primarily distributes through financial advisers and serves clients in Asia, Africa, the Middle East, Latin America, and the UK.

Differentiator

Problem solved

Functional benefit

Brands

• Regular Savings Plan: Affordable and flexible savings and investment plan for internationally mobile clients with no initial charges, no bid-offer spreads, and no charges for switching
• Oracle
• PIMS
• LifePlan
• Paragon
• Quantum
• RL360 Wrap

Products and services

• Regular Savings Plan A flexible savings and investment plan for globally mobile investors providing direct investment into a quality fund range, with no initial charges, no bid-offer spreads, and no switching fees. Savings start from USD 280 per month.
• Regular Savings Plan Malaysia A regional variant of the Regular Savings Plan designed for Malaysian residents, available from USD 350 per month.
• Oracle A classic lower lump-sum offshore investment plan with a specific though wide fund range, available from a USD 28,000 minimum investment.
• PIMS (Personal Investment Management Service) A bespoke open-architecture lump-sum offshore investment plan offering wider investment choices for sophisticated investors, available from a USD 70,000 minimum investment.
• LifePlan A life-assurance protection plan for international clients providing whole-of-life and term cover against loss of income from unexpected death, available from USD 200 per month.
• Beneficiary Trust A trust structure provided by RL360 for succession planning and asset protection.
• Discounted Gift Trust A trust structure for making gifts with potential inheritance-tax advantages.
• Gift Trust A trust structure for making gifts to beneficiaries as part of estate planning.
• Loan Trust A trust structure where a loan is made to trustees as part of tax and succession planning.
• International Flexible Trust A flexible trust structure for international clients offering various trustee options.
• Isle of Man Probate Trust An Isle of Man trust structure designed to avoid Isle of Man Probate procedures.
• RL360 Wrap Internet-based Wrap accounts allowing financial assets to be viewed and analysed on one simple platform with dealing facilities, supporting and administering wrap accounts for leading wrap providers.

Quantifiable outcome

• USD 31 billion assets under administration across IFGL group
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core, supporting and minor.

• Octium GroupcoreStrategic or Co-development PartnerIFGL (RL360's parent) announced acquisition of Octium Group, a Dublin-based unit-linked life insurance provider with €8.5 billion in assets under management. Octium serves affluent, HNW, and UHNW clients and holds a Central Bank of Ireland licence enabling EU/EEA distribution. The transaction represents a significant milestone in IFGL's strategy to expand across Europe. Operations will continue under current CEO Dara Hurley. Subject to regulatory approvals.
• ID-Pal LimitedsupportingTechnology or IntegrationID-Pal Limited (company incorporated in Ireland, company registration number 578727, registered office at 145 Pearse Street, Dublin 2) supplies the ID-Pal app for biometric identity verification of Ardan International customers. ID-Pal processes biometric data as a Processor on behalf of Ardan International as Controller.
• AdRollminorOthersAdRoll is used as a third-party advertising cookie partner to help target RL360 advertisements to specific audiences on third-party websites. This is part of RL360's advertising cookies usage as disclosed in the Cookie Policy.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Lombard International Assurance: Cross-border wealth structuring and unit-linked life insurance provider for HNW clients across multiple European jurisdictions. Overlaps with RL360 in unit-linked offshore life for HNW/expat customers via adviser channels.
• Irish Life: Ireland-based life and pensions provider with international life and savings offerings. Comparable regulatory approach, adviser distribution, and unit-linked product architecture relevant to RL360's expansion into Ireland via Octium.
• Utmost International: UK/Isle of Man-based life and savings provider focused on HNW international clients. Comparable proposition (offshore bonds, savings plans, trust structures) and adviser-led go-to-market make it a close direct peer of RL360.
• Quilter International: International wealth and investment portfolio service (formerly Old Mutual International) serving UK-resident and expatriate clients with offshore bonds and savings plans. Directly comparable product set, adviser distribution and expat/HNW customer base.
• Friends Provident International Limited (FPIL): Sister IFGL brand to RL360 offering international savings and investment products with UK and Hong Kong distribution. Same regulator and parent group, near-identical product shelf and adviser distribution model - effectively an internal peer.
• Hansard Global plc: Isle of Man-listed offshore life insurance and savings provider serving HNW and international clients. Highly comparable to RL360 in jurisdiction, product mix (offshore savings and investment bonds), and adviser-led distribution - one of the closest publicly visible direct competitors.
• Canada Life International: Provider of international investment bonds and offshore savings to UK and international clients, distributed via advisers. Highly comparable wrapper-style products and expat target market.

Broad incumbents

• Zurich International: Global insurance major with international life, savings and wealth offerings distributed via advisers. Overlaps with RL360 in HNW offshore life but Zurich operates across a much broader product and geographic portfolio.
• Standard Life International (Phoenix Group): International savings and investment business operated under Phoenix Group. Comparable legacy and international life products, though anchored in a wider UK/Ireland retirement platform rather than expat-only focus.
• HSBC Expat: Global expat banking, savings and wealth franchise within HSBC. Broader offering (banking, FX, deposits) but overlapping HNW expat customer base and adviser-like relationship model gives a relevant comparable footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/RL360_group
• YouTubeyoutube.com/c/rl360
• Facebookfacebook.com/rl360.group
• LinkedInlinkedin.com/company/rl360
• Instagraminstagram.com/rl360international

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RL360