Utmost International

What Utmost International does

Utmost International is a life assurance group headquartered in London that provides insurance-based wealth solutions to high-net-worth and ultra-high-net-worth individuals and corporate entities across the UK, Europe, Latin America, Asia, and the Middle East. The company issues unit-linked life insurance policies and capitalisation contracts through regulated carriers in Ireland (Utmost PanEurope dac), Luxembourg (Utmost Luxembourg S.A.), Isle of Man, and Guernsey (Utmost Worldwide Limited), and administers £116bn of assets on behalf of 190,000 clients as of 31 December 2025. Its core product set includes whole-of-life unit-linked policies such as Private Wealth Portfolio, Private Client Portfolio, Executive Bond, Selection/Evolution, Apex (France/Portugal), Silk Life Plan, FOCUS International, and a range of country-specific variants issued from the most tax-efficient jurisdiction for each client, supported by digital self-service through an Online Service Centre and the Wealth Interactive Platform.

The underlying technology consists of unit-linked policy administration with open-architecture investment access, multi-jurisdiction policy portability, and routing into discretionary, advisory, or self-directed management arrangements. Distribution is exclusively intermediated through independent financial advisers, wealth managers, private banks, and family offices, supplemented by three embedded intermediary subsidiaries - Utmost Wealth Advisers (UK), Utmost Patrimoine (France) and Utmost Patrimonio Iberia (Spain) - and a 13-office global footprint.

The business model generates recurring revenue from unit-linked insurance management fees, policy fees and fund-level charges on assets under administration. Pricing is not publicly disclosed; minimum investment thresholds per product range from approximately €75,000 (European Executive Investment Bond) up to €500,000+ (Private Wealth Portfolio France/Italy, Luxembourg UK variants) and US$600,000 (Mexico). Utmost International is majority-owned by Oaktree Capital Holdings-affiliated funds (with Brookfield Asset Management as a majority owner of Oaktree) and was co-founded in 2013 by the current Group CEO Paul Thompson and Group CFO Ian Maidens, who built the group to its current scale through 15 acquisitions, most notably Lombard International Assurance S.A. in December 2024.

Name

Utmost International

Legal name

Utmost Group plc

Website

https://utmostinternational.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Utmost International is a privately held London-based life assurance group that issues unit-linked insurance policies and capitalisation contracts from regulated carriers in Ireland, Luxembourg, Isle of Man and Guernsey, serving 190,000 high-net-worth and ultra-high-net-worth clients across UK, Europe, Latin America, Asia and the Middle East through financial advisers, private banks and family offices.

Ownership category

akta.pro rank

Product category

Life Insurance Wealth Solutions

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

Keywords

• Unit-linked life insurance
• Wealth preservation solutions
• Offshore investment bonds
• Estate planning insurance
• Insurance-based wealth solutions

Headquarters

HQ city

Douglas

Offices12 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Unit-linked Insurance Management Fees: Revenue generated from insurance-based wealth solutions through unit-linked policies. Policyholders pay charges including management fees, policy fees, and fund-level charges on their investments under administration.

Pricing tiers

Go-to-market motion3 records

Distribution channels9 records

Marketing channels9 records

Core offering

Utmost International is a leading global provider of insurance-based wealth solutions, issuing unit-linked life insurance policies and capitalisation contracts from regulated entities in Ireland, Luxembourg, the Isle of Man, and Guernsey. Products are designed for tax-efficient wealth preservation, succession planning, and estate transfer for high net worth and ultra-high net worth individuals across Europe, Latin America, Asia, and the Middle East. The company administers £116 billion in assets across approximately 190,000 clients and distributes exclusively through independent financial advisers, wealth managers, private banks, and family offices.

Product overview

Utmost International is a leading global provider of insurance-based wealth solutions offering unit-linked life insurance policies designed to help clients manage and preserve wealth across multiple jurisdictions. The platform operates through Utmost Wealth Solutions providing products from regulated entities in Ireland (Utmost PanEurope dac), Luxembourg (Utmost Luxembourg S.A.), Isle of Man, and Guernsey (Utmost Worldwide Limited). The core product portfolio includes Private Wealth Portfolio, Private Client Portfolio, Executive Bond, Apex, FOCUS, and Selection/Evolution plans across regional variants for UK, Europe, Latin America, Asia, and Middle East markets. Products are distributed through independent financial advisers, wealth managers, private banks, and family offices with support from regional subsidiaries including Utmost Wealth Advisers (UK), Utmost Patrimoine (France), and Utmost Patrimonio Iberia (Spain). As at 31 December 2025, the company administers £116bn across 190,000 clients with operations in 13 office locations worldwide.

Differentiator

Problem solved

Functional benefit

Brands

• Utmost Wealth Solutions: Insurance-based wealth solutions division providing unit-linked life insurance policies for high net worth clients globally
• Utmost Corporate Solutions
• Utmost Navigator
• Utmost Patrimoine
• Utmost Patrimonio Iberia
• Utmost Wealth Advisers
• Utmost Luxembourg S.A.
• Utmost PanEurope dac
• uTECH

Products and services

• Private Wealth Portfolio Unit-linked whole-of-life insurance policy offering flexible investment options including alternative and complex assets, with estate planning benefits. Available across multiple regions including UK, Italy, Portugal, Spain, and France for high net worth and ultra-high net worth clients.
• Selection Medium to long-term investment from Ireland allowing clients to choose from thousands of funds, switch funds, use investment platforms or discretionary managers, and combine with trusts for inheritance planning.
• Evolution Medium to long-term investment from the Isle of Man offering flexible fund selection, switching options, and estate planning through trust structures.
• Delegation Discretionary management solution based in Ireland, designed for high-net-worth and ultra-high-net-worth investors who want full delegation of portfolio management to professional discretionary fund managers.
• Apex (France) Single premium Assurance Vie life insurance policy designed for expatriates living and tax resident in France, offering tax-efficient flexible investment with portability and succession planning features. Minimum initial premium €100,000.
• Apex (Portugal) Single premium life insurance policy for expatriates living and tax resident in Portugal, offering tax-efficient flexible solution with portability and succession planning. Minimum initial premium €100,000.
• European Executive Investment Bond Investment bond designed for expatriates living in the EU, available when placed into a corporate pension. Provides investment choices for individuals transferring UK pensions abroad. Minimum initial premium €75,000.
• Swedish Executive Portfolio Single premium life assurance policy designed for Swedish resident investors seeking medium-to-long-term growth and efficient estate planning. Minimum initial premium SEK 500,000.
• Private Client Portfolio Luxembourg Single premium whole-of-life unit-linked insurance policy for Luxembourg residents. Offers access to alternative assets, multiple investment strategies, and estate planning flexibility. Minimum lump sum €250,000.
• Capitalisation Bond Luxembourg Capitalisation contract designed for Luxembourg resident companies subject to corporate tax, enabling rationalisation and optimisation of investment portfolio management.
• Branch 23 Life Insurance Contract Investment solution for Belgian residents offering enhanced flexibility through dedicated fund option, allowing discretionary asset managers to manage investment portfolios. Provides tax-efficient alternative taxation.
• Silk Life Plan Issued by Utmost International Isle of Man Singapore Branch for accredited investors in Singapore. Provides high level of life cover with investment flexibility. Minimum initial premium S$1,500,000/US$1,000,000/£750,000.
• Executive Investment Account Investment-linked life assurance policy for Singapore Accredited Investors. Single premium offshore bond for consolidating investments. Minimum S$100,000/US$75,000/£50,000/€75,000.
• Executive Bond

Quantifiable outcome

• £9.7bn inflows in 2025, up 43% from 2024
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Prudential plc (M&G Wealth): Prudential plc operates international life and wealth businesses across Asia and Africa with HNW product offerings — a broader incumbent serving globally mobile affluent individuals through wealth and life structuring, overlapping with Utmost's higher-end segments.
• Zurich Insurance Group (International Life): Zurich Insurance Group is a global insurer with a substantial international life and wealth business historically serving expatriate and HNW clients through adviser networks — a broader incumbent competitor to Utmost in the cross-border life and wealth structuring market.
• New York Life International: New York Life International offers wealth management and life insurance solutions for high-net-worth individuals across multiple jurisdictions — comparable to Utmost in targeting globally mobile affluent clients with cross-border life-based wealth solutions.

Direct peers

• Hansard Global: Hansard Global is an AIM-listed international life insurer headquartered on the Isle of Man, offering unit-linked savings and investment products to HNW individuals globally via financial advisers — directly comparable to Utmost in both jurisdiction footprint and adviser-distributed wealth structuring model.
• Sun Life Financial International: Sun Life Financial's international division offers wealth and protection solutions including investment-linked life products across multiple jurisdictions for HNW clients — comparable to Utmost in targeting internationally mobile affluent individuals through professional adviser channels.
• RL360°: RL360° is a leading international life and savings company headquartered in the Isle of Man, providing unit-linked investment bonds, savings plans, and protection products to expatriates and international investors through financial advisers — a direct overlap with Utmost's product architecture, distribution model, and target client base.
• Canada Life (International): Canada Life International, part of the Great-West Lifeco group, provides international investment bonds and wealth preservation solutions from the Isle of Man and Ireland for HNW and expatriate clients — a long-standing direct competitor to Utmost in the offshore bond market.
• Friends Provident International: Friends Provident International (now under the RL360° group following Utmost competitor consolidation) was a direct historical peer offering offshore investment bonds and wealth preservation products from the Isle of Man — directly comparable in legacy product proposition and adviser distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/IOMJnrCycling
• Facebookfacebook.com/utmostwealth
• LinkedInlinkedin.com/company/utmost-international

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Utmost International