Realm Protection

What Realm Protection does

Realm Protection Ltd is a UK-based, FCA-authorised (FRN 627951) insurance provider founded in 2016 that designs and distributes niche income and mortgage payment protection products on a non-advised basis. The company offers two core policies: Realm Income Protection Insurance and Realm Mortgage Protection Insurance, both Accident, Sickness and Unemployment (ASU) products paying up to £2,500 per month for up to 12 months per claim, with a 120-day unemployment exclusion period and configurable excess options.

The firm's product is differentiated by a bundled medical services suite delivered through a mobile app via its core partnership with Square Health. Policyholders receive 24/7 Digital GP consultations (6 per annum, covering spouse/partner and children), Mental Health support (6 psychotherapy sessions per annum), an annual Health MOT (blood test covering 20+ health markers), and Physiotherapy (6 sessions per annum). Underlying insurance capacity is provided by a panel of four carriers (AmTrust Specialty Limited, Arch Insurance Ltd, Canopius Managing Agents Ltd, and Helvetia), and policy administration is outsourced to Trent-Services (Administration) Ltd, allowing Realm to operate with a very small internal team.

Commercially, Realm sells monthly subscription policies directly via its website, through Independent Financial Advisers and broker networks (with flexible, tailored schemes and open agency applications), and through comparison sites. Its target customers are UK-based individual consumers and self-employed persons seeking to protect income or mortgage payments during periods of incapacity or involuntary unemployment. Revenue is generated entirely through recurring monthly premiums that roll over unless cancelled, with no publicly disclosed premium volume. The firm is privately held, headquartered at Regus Fenchurch Street in London, and is a member of BIBA and IPTF.

Name

Realm Protection

Legal name

Realm Protection Ltd

Website

https://realmprotection.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Realm Protection Ltd is a UK-based, FCA-authorised insurer founded in 2016 that sells monthly Accident, Sickness and Unemployment (ASU) income protection and mortgage payment protection policies directly, through IFAs and brokers, and via comparison sites. Its policies are differentiated by bundled digital medical services (GP, Mental Health, Health MOT, Physiotherapy) delivered through a Square Health mobile app.

Ownership category

akta.pro rank

Product category

Personal Protection Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Technology / IT Services BOP (FSAJAFAK)

Keywords

• Income protection insurance
• Mortgage payment protection
• Accident sickness unemployment cover
• Personal protection insurance
• Unemployment insurance UK

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Realm Protection generates revenue through insurance premiums paid by policyholders for income protection, accident and sickness, unemployment insurance, and mortgage payment protection policies. Premiums are paid monthly and policies roll over unless cancelled.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

Realm Protection Ltd is a UK-based, FCA-regulated insurance provider (FRN 627951) that sells niche personal protection insurance products direct to consumers and through IFAs, brokers, and comparison sites. Its two core products are Income Protection Insurance (Accident, Sickness and Unemployment cover) and Mortgage Payment Protection Insurance, providing monthly benefits up to £2,500 for up to 12 months per claim, with a 120-day unemployment exclusion period. Both policies bundle a suite of digital medical services (Digital GP, Mental Health, Health MOT, Physiotherapy) delivered via a mobile app in partnership with Square Health.

Product overview

Realm Protection offers two core insurance products: Realm Income Protection Insurance (Accident, Sickness and Unemployment) and Realm Mortgage Protection Insurance. Both policies provide monthly benefits up to £2,500 for up to 12 months per claim, with 120-day unemployment exclusion periods. Both products include a suite of medical services through a mobile app provided in collaboration with Square Health, including 24/7 access to GP, Health MOT, mental health, and physiotherapy services.

Differentiator

Problem solved

Functional benefit

Products and services

• Realm Income Protection Insurance (120 Days IEP) Accident, Sickness and Unemployment (ASU) income protection insurance for UK employed and self-employed individuals, providing a monthly benefit of up to £2,500 for up to 12 months per claim, with a 120-day unemployment exclusion period. Includes a bundled suite of medical services (Digital GP, Mental Health, Health MOT, Physiotherapy) via the Square Health mobile app.
• Realm Mortgage Protection Insurance (120 Days IEP) Mortgage Payment Protection Insurance for UK homeowners, designed to cover mortgage repayments for up to 12 months per claim if the policyholder is unable to earn due to accident, sickness or involuntary unemployment. Maximum monthly benefit of £2,500, 120-day unemployment exclusion period, and ability to cover additional monthly commitments beyond mortgage payments. Bundled with Square Health digital medical services via mobile app.
• Realm ASU Insurance with 90-day unemployment exclusion period Accident, Sickness and Unemployment income protection variant with a 90-day unemployment exclusion period, offered alongside the 120-day version, designed for individuals seeking a shorter waiting period before unemployment cover kicks in.

Quantifiable outcome

• Insurance claim payout rate of 97%+ across protection insurance claims in UK (industry data from ABI)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, primary and strategic.

• Square HealthcoreStrategic or Co-development PartnerSquare Health provides a suite of medical services integrated into Realm Protection insurance policies accessible through a mobile app. Services include 24/7 Digital GP, Health MOT, Mental Health Support, and Physiotherapy services. Square Health was founded by the team behind Doctors Chambers group of companies to provide holistic medical, technological and claims-related solutions for insurers.
• Trent-Services (Administration)coreImplementation/ SI/ Consulting PartnerTrent-Services (Administration) Ltd is the administration partner for Realm Protection, providing customer service support. They are authorised and regulated by the FCA under reference 315285 and actively support customer service ethos.
• AmTrust Specialty LimitedprimaryOthersInsurance partner providing insurance capacity. Regulated by FCA and PRA (Financial Services number: 202189). Located at Exchequer Court, 33 St Mary Axe, London, EC3A 8AA.
• Arch Insurance LtdprimaryOthersInsurance partner providing insurance capacity. Regulated by PRA and FCA (firm reference number: 229887). Located at 4th Floor, 10 Fenchurch Avenue, London, EC3M 5BN.
• Canopius Managing Agents LtdprimaryOthersInsurance partner providing insurance capacity. Regulated by PRA and FCA (Firm Reference: 204847). Registered at Gallery 9, One Lime Street, London EC3M 7HA.
• Helvetia Schweizerische VersicherungsgesellschaftprimaryOthersInsurance partner providing insurance capacity. Based in Liechtenstein, authorised and regulated by Liechtenstein Financial Market Authority and deemed authorised by PRA with limited FCA regulation (Firm Reference No. 454140).
• British Insurance Brokers' Association (BIBA)strategicChannel Partner/ Reseller/ DistributorMember of BIBA, the trade association for insurance brokers in the UK.
• Insurance Protection Trust Federation (IPTF)strategicChannel Partner/ Reseller/ DistributorMember of IPTF, an organisation supporting insurance professionals.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Cirencester Friendly: Income protection specialist society with comparable product structure and adviser distribution model targeting employed and self-employed consumers.
• British Friendly: UK mutual friendly society specializing in income protection insurance with similar product design and intermediary distribution. Closely comparable to Realm Protection's ASU/income protection focus.
• The Exeter: UK income protection specialist offering own-occupation cover with add-on health services. Direct competitor in the same niche ASU/PIP market as Realm Protection.
• Holloway Friendly: UK mutual offering income protection and ASU cover with a similar niche focus on employed and self-employed individuals, distributed through advisers.

Emerging players

• Bupa: UK health insurer whose GP and wellness services overlap with the Square Health bundle Realm offers. Adjacent rather than direct competitor, but converging on integrated health/protection.
• SimplyHealth: UK health cash plan and wellbeing provider offering digital GP and mental health services. Comparable to the wellness/extras component of Realm's product offering.
• Vitality: UK insurer integrating health/wellness services (including GP access) with life and income protection cover. Comparable to Realm's Square Health-bundled model on the wellness integration dimension.

Broad incumbents

• Legal & General: Major UK insurer with income protection and mortgage payment protection products distributed through advisers and direct channels. Sets the benchmark for incumbent distribution scale.
• Liverpool Victoria (LV=): Large UK mutual offering income protection and unemployment cover as part of broader life and protection portfolio. Established competitor in the mortgage protection space.
• Aviva: Major UK general insurer offering income protection and mortgage payment protection as part of a broad protection portfolio. Competes with Realm for the same end customer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/realmprotection
• Facebookfacebook.com/RealmProtection
• LinkedInlinkedin.com/company/realmprotection

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Realm Protection