What Pulse Insurance does

Pulse Insurance Limited is a UK-based specialist insurance intermediary and Managing General Agency, founded in 1998 and headquartered in Brackley with additional offices in London, Norwich, and Brussels. The company operates as an approved Lloyd's Coverholder under FCA reference 308626, placing complex and high-risk business with Lloyd's underwriters (notably Canopius Syndicate 4444 and Travelers Syndicate 5000) and other specialist insurers. Pulse Insurance earns commission included within placed premiums — not separate fees — across insurance intermediation in the UK and Europe.

The product platform is organised into four core divisions: Life & Protection (covering individuals with 100+ medical conditions, hazardous occupations, hazardous sports, non-residents, and group life); Specialty Insurance (kidnap and ransom, cyber, group business travel, individual and group personal accident, entertainment risks, and short-term income protection); Sport & Leisure (clubs, associations, teams, coaches, events, facilities, sports travel, and niche partnerships such as Slimming World consultants and English Karate Federation members); and Pulse Health (founded 2023 as Pulse Clarity, rebranded to Pulse Health in 2025), which offers County Medical surgical-only private health cover through Circle Health Group's 59-hospital network, plus a Cancer Care insurance product partnered with Reframe Cancer. GlobeTrotter is the company's dedicated sub-brand for medical-tourist travel insurance covering elective, cosmetic, dental, and fertility treatments abroad.

Pulse Insurance distributes through both direct-to-consumer channels (website, phone, the GlobeTrotter self-serve quote platform) and through financial advisers and insurance intermediaries who refer declined-risk clients. Pricing varies materially by product and risk profile — from £2.80 per EKF member per year to County Medical monthly premiums of £7.31–£204.96, with specialist life cover priced per individual risk assessment. The company is privately held with no parent, no disclosed institutional investors, and no funding rounds in the dataset, led by Chairman Paul Sandilands, Managing Director Torquil McLusky, Non-Executive Director Anthony Pilcher, and Operations Director Debbie Boyles.

Name

Pulse Insurance

Legal name

Pulse Insurance Limited

Website

https://pulse-insurance.co.uk

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Pulse Insurance Limited is a UK-based specialist insurance intermediary and Managing General Agency operating as a Lloyd's Coverholder since 1998, serving individuals and groups declined by mainstream insurers across Life & Protection, Specialty, Sport & Leisure, and Pulse Health divisions in the UK and Europe.

Ownership category

akta.pro rank

Product category

Specialty Insurance Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Specialty insurance intermediary
• Life insurance underwriting
• Managing general agency
• Lloyd's coverholder
• Sport and leisure insurance

Headquarters

HQ city

Brackley

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation: Acts as an insurance intermediary placing business with Lloyd's underwriters and other insurers. Earns commission from insurers for placing coverage, with commission included within the price rather than charged as separate fees.
2. Premium-based Revenue: Revenue generated through insurance premiums placed on behalf of clients. Commission for brokers and advisers included within the price. Products include Life, Accident & Health, and Sport & Leisure insurances.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Pulse Insurance Limited is an FCA-authorised specialist insurance intermediary and Managing General Agency (Lloyd's Coverholder) that designs, distributes, and places Life & Protection, Specialty, Sport & Leisure, and Health insurance policies with Lloyd's underwriters (Canopius, Travelers) and other insurers. The company targets individuals and groups declined by mainstream insurers due to medical conditions, hazardous occupations, hazardous sports, or non-standard risks, offering bespoke underwriting rather than computer-based decisions and indicating cover in over 80% of cases that other insurers decline.

Product overview

Pulse Insurance Limited is an award-winning specialist insurance intermediary and Managing General Agency, authorised and regulated by the FCA (FRN 308626) and operating as a Lloyd's Coverholder since 1998. The company operates as a platform of specialist insurance products organised into four core divisions: Life & Protection, Specialty Insurance, Sport & Leisure, and Pulse Health (formerly Pulse Clarity, rebranded 2025). The Life & Protection division covers individuals with medical conditions (100+ conditions including cancer, diabetes, HIV, mental health), hazardous occupations, and hazardous sports. Specialty Insurance covers kidnap and ransom, cyber risks, group business travel, and personal accident. Sport & Leisure covers sports clubs, associations, teams, coaches, events, and travel. Pulse Health offers private surgical health insurance (County Medical) and Cancer Care. The company also offers GlobeTrotter Medical Travel Insurance for medical tourists seeking elective, cosmetic, dental, and fertility procedures abroad.

Differentiator

Problem solved

Functional benefit

Brands

• Pulse Specialty Team: Specialist division handling specialty insurance products including entertainment, business travel, kidnap and ransom, and cyber insurance.
• Pulse Health
• GlobeTrotter
• County Medical
• Pulse Life
• WonderCover

Products and services

• Life & Protection Insurance Specialist life and protection cover for individuals and groups declined by mainstream insurers, including medical conditions (100+ conditions such as cancer, diabetes, HIV, mental health, neurological disorders), hazardous occupations (armed forces, miners, offshore, pilots, athletes), and hazardous sports/pastimes (motorsport, martial arts, diving, parachuting, mountaineering, aviation).
• Specialty Division Insurance Specialty insurance covering kidnap & ransom, hazardous locations, group business travel, personal accident and illness, cyber, entertainment and special risks, and short-term income protection for corporate and high net worth clients.
• Sport & Leisure Insurance Insurance covering sports clubs, associations, martial arts and combat sports, SMEs, coaches, instructors, sports teams, leagues, events, facilities, and sports and leisure travel for individuals and organisations.
• GlobeTrotter Medical Travel Insurance Travel insurance tailored for medical tourists undergoing elective, cosmetic, dental, or fertility treatments abroad, covering emergency medical expenses up to £5,000,000, cancellation up to £5,000, curtailment up to £5,000, liability up to £1,000,000, hospital in-patient benefit, personal belongings, extended accommodation, and pandemic/epidemic diseases including COVID-19.
• Pulse Health (formerly Pulse Clarity) Health division of Pulse Insurance Limited offering clarity-focused, transparent healthcare insurance solutions including County Medical private surgical health cover and Cancer Care lump-sum cash benefit policies.
• County Medical Private Health Insurance Modern, streamlined private health insurance offering surgical-only coverage for acute medical conditions through the UK's largest network of private hospitals (Circle Health Group with 59 hospitals and NHS private patient wings), designed for the uninsured and low-cost market with premiums ranging from £67.16 to £2,459.48 annually.
• Cancer Care Insurance Groundbreaking cancer insurance providing a £21,000 lump-sum cash benefit on diagnosis covering over 90% of cancers, with one-to-one support from Cancer Nurse Specialists via Reframe Cancer partnership, designed for working adults aged 18-64.
• Cyber Insurance Cyber insurance backed by Lloyd's capacity covering hacking, extortion, social engineering, data breach, PCI compliance, GDPR infringement, business interruption, data recovery, and cyber theft, with sums insured up to £2m, flexible excesses from £500 to £5,000, and cyber theft cover up to £50,000.
• English Karate Federation (EKF) Insurance Specialist insurance for registered EKF instructors (£70 per instructor for £5m Public Liability or £94.08 for £10m Public Liability, including Personal Accident) and EKF members (£2.80 per member for £5m Public Liability and Personal Accident), underwritten at Lloyd's by Canopius Syndicate 4444 and Travelers Syndicate 5000.
• Slimming World Consultants Insurance Specialist insurance for Slimming World consultants covering accidental bodily injury resulting in death (£50,000), loss of limb/sight, permanent total disablement, temporary total disablement (£100/week), stock all-risks cover (£3,000), and money cover (£2,000) at a premium of £39.38 per year, underwritten by Canopius Syndicate 4444 and Travelers Syndicate 5000 at Lloyd's.
• Elective Surgery Medical Travel Insurance Medical travel insurance covering 25+ elective surgical procedures including abdominal hysterectomy, cataract extraction, coronary bypass, joint replacements, bariatric surgery, and more, with travel protection for complications and extended stays.
• Cosmetic Surgery Medical Travel Insurance Medical travel insurance covering cosmetic surgery procedures including liposuction, breast procedures, rhinoplasty, facelifts, hair transplants, and non-surgical cosmetic treatments, with cover for medical emergencies and trip complications.
• Dental Medical Travel Insurance Medical travel insurance covering dental procedures including implants, crowns, braces, root canal, wisdom tooth removal, and oral surgery, with protection for trip cancellation, medical emergencies, and extended stays abroad.
• Fertility Treatment Medical Travel Insurance Medical travel insurance covering fertility treatments including IVF, ICSI, artificial insemination, embryo transfer, ovulation induction, and vasectomy reversal, with cover available worldwide including the United States, Canada, Caribbean, and Mexico.

Quantifiable outcome

• 80%+ indication rate in cases where other insurers decline

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Lloyd'scoreStrategic or Co-development PartnerRobust partnership with Lloyd's of London enabling Pulse to access specialist insurance capacity and place complex risks with Lloyd's underwriters. Pulse is an approved Coverholder at Lloyd's.
• Circle Health GroupcoreStrategic or Co-development PartnerClinical network partner for County Medical health insurance providing access to UK's largest chain of private hospitals with 59 hospitals and treatment centres nationally.
• Canopius Syndicate 4444coreStrategic or Co-development PartnerUnderwriting partner for Slimming World Consultants Insurance policy, providing specialist insurance capacity at Lloyd's.
• Travelers Syndicate 5000coreStrategic or Co-development PartnerUnderwriting partner for Slimming World Consultants Insurance policy, providing specialist insurance capacity at Lloyd's.
• CanopiuscoreStrategic or Co-development PartnerInsurance underwriter for Travel and Personal Accident products under the Fair Value Assessment framework.
• TravelerscoreStrategic or Co-development PartnerInsurance underwriter for Travel and Personal Accident products under the Fair Value Assessment framework.
• Reframe CancerminorStrategic or Co-development PartnerCancer support service partner providing one-to-one support from Cancer Nurse Specialists and Support Managers for Pulse Health cancer care products.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sportscover: Sportscover is a Lloyd's-backed specialist sports and leisure insurance intermediary offering liability and personal accident cover to sports clubs, teams, and individuals. It directly competes with Pulse's Sport & Leisure division across UK sports insurance distribution.
• Perkins Slade: Perkins Slade is a UK insurance broker specialising in sports, leisure, and entertainment risks. It overlaps directly with Pulse Sport & Leisure and Pulse Specialty's entertainment products, serving sports clubs, associations, and entertainment venues.
• ALC Health: ALC Health is a specialist international private medical insurance provider serving individuals and corporate clients. It competes with Pulse Health's County Medical and Pulse's international life insurance products in the UK and European private health segment.
• Now Health International: Now Health International is a specialist international health insurance provider focused on individuals, families, and SMEs needing cross-border medical cover. It overlaps with Pulse's specialty international life and County Medical health offerings.
• Battleface: Battleface is an emerging specialty travel insurance provider focused on adventure, extreme sports, and high-risk destinations. It competes directly with Pulse's GlobeTrotter and Sports Travel products in the specialty travel insurance niche.
• World Travel Protection: World Travel Protection (formerly Berkley Travel Protection) provides specialty travel insurance and assistance services including for hazardous destinations and high-risk travellers. It is a direct competitor to Pulse's GlobeTrotter and group business travel products.

Broad incumbents

• Beazley: Beazley is a major Lloyd's specialty insurer offering multiple specialty lines including accident & health, cyber, and political risks. It is a broad incumbent with which Pulse places business via Lloyd's but also competes as a direct specialty underwriter for the same end customers.
• Hiscox: Hiscox is a specialty insurer operating at Lloyd's with expertise in high-value personal lines, cyber, and specialty commercial risks. It overlaps with Pulse's specialty, cyber, and high-net-worth product offerings as a broader incumbent alternative.
• Aspen Underwriting: Aspen is a specialty insurer and Lloyd's participant underwriting accident & health, marine, aviation, and other specialty lines. It is a broad incumbent in the same Lloyd's specialty ecosystem as Pulse and a potential capacity partner or competitor.
• Howden Group: Howden is a large UK-headquartered insurance broker with growing specialty and personal lines capabilities across multiple geographies. It is a broad incumbent competitor to Pulse's intermediary model with substantially greater scale and broker network reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pulseins
• LinkedInlinkedin.com/company/5135257
• Xx.com/pulseins

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Pulse Insurance