Utmost Group
Utmost Group plc is a London-based provider of insurance and savings solutions, administering over £100bn of assets across Utmost International (HNW wealth insurance) and Utmost Life and Pensions (closed UK bulk purchase annuities).
- Company typePrivate
- Founded2013
- HeadquartersLondon, United Kingdom
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
Utmost Group firmographics
Firmographics- Name
- Utmost Group
- Legal name
- Utmost Group plc
- Website
- https://utmostgroup.co.uk
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Utmost Group plc is a London-based provider of insurance and savings solutions, administering over £100bn of assets across Utmost International (HNW wealth insurance) and Utmost Life and Pensions (closed UK bulk purchase annuities).
- Ownership category
- akta.pro rank
Utmost Group industry classification
Industry- Product category
- Insurance and Savings Solutions
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Insurance and Employee Benefit Funds (5251)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Simplified Issue Whole Life / UL Insurance (FSAIABAH)
- akta.pro secondary industries
- Group Variable Universal Life (GVUL) (FSAIADAD), Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)
Keywords
Where Utmost Group is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Utmost Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Insurance and Savings Solutions: Utmost Group generates revenue through insurance-based wealth solutions and pension products, including unit-linked insurance policies, bulk purchase annuities, and life and pensions offerings. The company administers over £100bn in assets under administration.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Utmost Group product offering
Product offeringCore offering
Utmost Group is a provider of insurance and savings solutions operating through two business units: Utmost International, which delivers insurance-based wealth solutions for high-net-worth individuals, and Utmost Life and Pensions, which manages closed UK life and pensions business.
Product overview
Utmost Group is a leading provider of insurance and savings solutions operating through two distinct business units: Utmost International (a leading provider of insurance-based wealth solutions) and Utmost Life and Pensions (a closed UK life and pensions business focused on acquisition of life and pension businesses). As of 31 December 2025, the Group has over £100bn in assets under administration, £9.7bn in inflows, and maintains a 93% client retention rate.
Differentiator
Problem solved
Functional benefit
Products and services
- Utmost International Insurance-based wealth solutions for high-net-worth individuals, distributed through a panel of international wealth managers.
- Utmost Life and Pensions Closed UK life and pensions business, including bulk purchase annuities and the servicing of UK Defined Benefit pension scheme liabilities.
Quantifiable outcome
- 93% client retention rate
- +2 more outcomes
Companies that use Utmost Group
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Utmost Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Utmost Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- StepStone GroupcoreStepStone Group partnered with Utmost to give UK-based investors access to private market investment strategies spanning private equity, venture capital, growth, private credit, and infrastructure. The agreement aligns with growing demand from UK wealth managers for private markets exposure, with StepStone noting that the long-term horizons of unit-linked insurance policies are well suited to patient capital requirements.
- StepStone GroupcoreStepStone Group partnership with Utmost provides UK-based clients access to StepStone's full suite of evergreen global private markets strategies, spanning Private Equity, Venture Capital & Growth, Private Credit, and Private Infrastructure. The partnership addresses growing interest from UK wealth managers in private markets.
- Swiss ReminorA study commissioned by Utmost Group projected the HNW segment of international life insurance could generate £90 billion in cumulative new business sales between 2025 and 2030. Swiss Re contributed market analysis on HNW insurance trends.
Scale indicators8 records
Recent moves9 records
Expansion highlights5 records
Utmost Group competitors and assessment
Company assessmentDirect peers
- Legal & General: UK life insurance giant with a leading bulk purchase annuity franchise and institutional pension risk transfer business — directly comparable to Utmost's DB buy-in activities and the closed-book dynamics of Utmost Life and Pensions.
- Aviva: Major UK life and pensions provider with bulk annuity capabilities, wealth management, and protection products — competing with Utmost in DB de-risking and broader UK savings and pensions markets.
- Prudential plc: UK-headquartered international life insurance and savings group serving HNW and mass-affluent customers across Asia and Africa — directly comparable to Utmost International's insurance-based wealth solutions focus.
- Swiss Life: European life insurance and pensions provider with HNW wealth solutions and pension risk transfer capabilities — comparable to Utmost International's insurance-based wealth proposition and Swiss/European distribution overlap.
- Just Group: UK specialist in pension de-risking, bulk annuities, and defined benefit solutions for smaller schemes — a comparable mid-market participant competing for similar DB buy-in mandates.
- Rothesay Life: UK specialist bulk annuity provider and one of the dominant players in DB pension de-risking — the closest direct competitor to Utmost's rapidly growing buy-in franchise.
- Phoenix Group: UK closed life and pensions consolidator with a similar strategy of acquiring closed books — the most directly comparable pure-play peer to Utmost's Life and Pensions business, although Utmost is divesting that unit to JAB.
Broad incumbents
- Zurich Insurance Group: Global insurance incumbent offering life, savings, and wealth products including unit-linked solutions for HNW and corporate clients — competes broadly with Utmost International across multiple international markets.
- Scottish Widows (Lloyds Banking Group): UK life and pensions business within Lloyds Banking Group — competes with Utmost in UK workplace pensions, bulk annuities, and individual savings/pensions products.
- HSBC Life: International life insurance arm of HSBC, distributing wealth-linked insurance and savings products through a global private bank — comparable to Utmost International's HNW wealth-based insurance distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Utmost Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Utmost Group leadership team
Management profileNumber of profiles
Profiles1 record
Utmost Group subsidiaries and ownership
Company hierarchySubsidiaries2 records
Utmost Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Utmost Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Utmost Group
What does Utmost Group do?
Utmost Group is a provider of insurance and savings solutions operating through two business units: Utmost International, which delivers insurance-based wealth solutions for high-net-worth individuals, and Utmost Life and Pensions, which manages closed UK life and pensions business.
Is Utmost Group a public or private company?
Utmost Group is a private company. It is classified as private equity controlled and is currently operating.
When was Utmost Group founded?
Utmost Group was founded in 2013. It employs 1,001 to 5,000 people.
Where is Utmost Group based?
Utmost Group is headquartered in London, United Kingdom, in the Europe region.
How does Utmost Group make money?
One revenue line is on record: insurance and Savings Solutions.
Who are Utmost Group's main competitors?
Direct peers on record are Legal & General, Aviva, Prudential plc, Swiss Life, Just Group, Rothesay Life and Phoenix Group. Broad incumbents are Zurich Insurance Group, Scottish Widows (Lloyds Banking Group) and HSBC Life.
Does Utmost Group have an API?
No public API is recorded for Utmost Group.
What industry is Utmost Group in?
Utmost Group's product category is Insurance and Savings Solutions. Its primary akta.pro industry code is FSAIABAH, Simplified Issue Whole Life / UL Insurance, with a secondary code of FSAIADAD, Group Variable Universal Life (GVUL). Its NAICS code is 52411 and its SIC code is 6311.