Pangea Life
Pangea Life is a UK-based FCA-regulated independent specialist protection insurance broker arranging business, employee benefits, and personal protection cover from major UK insurers for individuals and businesses. Acquired by Clear Group in April 2026.
- Company typePrivate
- Founded2015
- HeadquartersWinchester, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
Pangea Life firmographics
Firmographics- Name
- Pangea Life
- Legal name
- Pangea Life Limited
- Website
- https://pangealife.co.uk
- Company type
- Private
- Founded year
- 2015
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- Pangea Life is a UK-based FCA-regulated independent specialist protection insurance broker arranging business, employee benefits, and personal protection cover from major UK insurers for individuals and businesses. Acquired by Clear Group in April 2026.
- Ownership category
- akta.pro rank
Where Pangea Life is headquartered
LocationHeadquarters
- HQ city
- Winchester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Pangea Life business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Insurance Brokerage Commission: Pangea Life operates as an independent insurance broker earning commission from arranging insurance policies across multiple insurer partners for both personal and business protection products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based personalised insurance cover |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Pangea Life product offering
Product offeringCore offering
Pangea Life is an independent specialist protection insurance broker that sources and arranges tailored life, health, income, and business protection cover from a panel of major UK insurers. It serves three distinct audiences: individuals and families seeking personal protection (family protection, mortgage protection, critical illness, income protection, private medical insurance, gift inter vivos plans); business owners needing protection against loss of key people (shareholders protection, key person insurance, loan protection, relevant life cover, executive income protection); and employers seeking employee benefits (group life, group income protection, group critical illness, corporate PMI, health cash plans).
Product overview
Pangea Life is an independent specialist protection broker offering a comprehensive portfolio of insurance products organized across three main service areas: Business Protection (Shareholders Protection, Key Person Insurance, Loan Protection, Relevant Life Cover, and Executive Income Protection), Employee Benefits (Group Life Insurance, Group Income Protection, Group Critical Illness, Private Medical Insurance, and Health Cash Plans), and Personal Protection (Family Protection, Mortgage Protection, Critical Illness Cover, Income Protection, Private Medical Insurance, and Gift Inter Vivos Plan). The company acts as an intermediary, sourcing and arranging tailored protection solutions from a panel of major UK insurers including Aviva, Vitality, Royal London, Legal and General, LV Insurance, Zurich, and Scottish Widows.
Differentiator
Problem solved
Functional benefit
Products and services
- Shareholders Protection Business protection policy providing funds to remaining shareholders if a shareholder dies or suffers a critical illness, enabling them to purchase the deceased's shares and ensuring the family receives fair value.
- Key Person Insurance Insurance providing a lump sum to a business if a key individual dies or is diagnosed with a specified critical illness, helping cover lost profits, recruitment costs, or outstanding liabilities.
- Loan Protection Business protection policy that helps ensure loans, overdrafts, and commercial mortgages can be repaid if a key individual dies or becomes critically ill.
- Relevant Life Cover Tax-efficient life insurance policy for directors and employees of limited companies, written into a discretionary trust and paid for by the business.
- Executive Income Protection Tax-efficient income protection for company directors and key employees, covering salary, dividends, bonuses, and pension contributions if they cannot work due to long-term illness or injury.
- Group Life Insurance Employee benefit providing a tax-free lump sum to beneficiaries if an employee dies while employed, also known as Death-in-Service benefit.
- Group Income Protection Employee benefit providing ongoing income and rehabilitation support if employees are unable to work due to long-term illness or injury.
- Group Critical Illness Employee benefit paying a tax-free lump sum to employees diagnosed with a specified serious illness or requiring certain major medical procedures.
- Private Medical Insurance (Personal) Health insurance helping individuals and families access private healthcare quickly, covering consultations, diagnostics, and treatment to avoid NHS waiting lists.
- Private Medical Insurance (Business) Employee health benefit helping staff access private consultations, diagnostic tests, and treatment more quickly, supporting faster recovery and return to work.
- Health Cash Plans Employee benefit allowing staff to claim money back on everyday healthcare costs including dental check-ups, eye tests, physiotherapy, and prescriptions.
- Family Protection Personal protection including critical illness cover, life assurance, family income benefit, and income protection to safeguard loved ones financially.
- Mortgage Protection Term life insurance specifically designed to repay mortgage or long-term loans if the policyholder dies or becomes terminally ill.
- Critical Illness Cover Insurance paying a tax-free lump sum if diagnosed with a specified serious illness such as cancer, heart attack, stroke, or multiple sclerosis.
- Income Protection Insurance providing a regular monthly tax-free income if unable to work due to illness or injury, replacing lost earnings to cover essential expenses.
- Gift Inter Vivos Plan Seven-year term life insurance designed to cover potential inheritance tax liabilities when someone gives away money or assets during their lifetime.
Companies that use Pangea Life
Customer profileSegments3 records
Ideal customer profiles3 records
Pangea Life technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Pangea Life partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Clear GroupcoreClear Group, the UK's fast-growing independent insurance intermediary, acquired Pangea Insurance Brokers and Pangea Life in April 2026. The acquisition strengthens Clear Group's presence on the South Coast. Pangea's team of 30+ professionals join Clear, with owners Michael Piper and Stephen Goulter continuing to lead the business.
- VitalityminorInsurer partner displayed on website - Vitality health insurance provider
- AvivaminorInsurer partner displayed on website - Aviva insurance provider
- Royal LondonminorInsurer partner displayed on website - Royal London insurance provider
- Legal & GeneralminorInsurer partner displayed on website - Legal & General insurance provider
- LV InsuranceminorInsurer partner displayed on website - LV Insurance provider
- ZurichminorInsurer partner displayed on website - Zurich insurance provider
- Scottish WidowsminorInsurer partner displayed on website - Scottish Widows insurance provider
- BupaminorInsurer partner for health cash plans displayed on website - Bupa health insurance provider
- MetLifeminorInsurer partner for employee benefits displayed on website - MetLife insurance provider
Scale indicators4 records
Recent moves3 records
Expansion highlights3 records
Pangea Life competitors and assessment
Company assessmentOthers
- Clear Group: UK independent insurance intermediary that acquired Pangea Life in April 2026; the parent company and platform for Pangea's now-integrated operations.
Broad incumbents
- PIB Group: Large UK insurance intermediary group conducting ongoing acquisitions of specialist brokers. Comparable as a strategic acquirer/consolidator in the same UK protection market that Pangea operates in.
- Aviva: One of the UK's largest life and general insurers and a Pangea panel partner. Comparable as a major carrier whose products are distributed by Pangea and competing brokers.
- Vitality: UK health and life insurer with a strong protection and group benefits proposition. Comparable as a Pangea panel partner whose commission dynamics directly affect Pangea's revenue.
- Howden Group: Global insurance intermediary group with a sizeable UK retail and specialist broker presence. Comparable as a broader broker group offering overlapping personal and business protection capabilities.
Direct peers
- Reassured: UK life insurance specialist broker offering term life, critical illness, and income protection through a panel of insurers. Direct competitor in independent protection distribution.
- Cavendish Online: UK insurance broker offering life, critical illness, income protection, and business protection through a multi-insurer panel. Direct competitor in independent protection brokerage.
- Drewberry Insurance: UK independent specialist insurance and wealth broker specialising in personal and business protection (life, critical illness, income protection, shareholder protection). Direct competitor to Pangea Life in independent, face-to-face protection advice.
- Protect Line: UK specialist protection broker offering life insurance, critical illness, income protection, and family income benefit through a multi-insurer panel. Direct competitor in personal protection.
- LifeSearch: One of the UK's largest specialist life insurance brokers, focused on personal protection products (term life, critical illness, income protection). Direct competitor in the UK protection intermediary market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Pangea Life social profiles
Digital presencePangea Life compliance and trust
Trust signalCompliance1 record
Pangea Life financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pangea Life leadership team
Management profileNumber of profiles
Profiles1 record
Pangea Life funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pangea Life 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 Pangea Life
What does Pangea Life do?
Pangea Life is an independent specialist protection insurance broker that sources and arranges tailored life, health, income, and business protection cover from a panel of major UK insurers. It serves three distinct audiences: individuals and families seeking personal protection (family protection, mortgage protection, critical illness, income protection, private medical insurance, gift inter vivos plans); business owners needing protection against loss of key people (shareholders protection, key person insurance, loan protection, relevant life cover, executive income protection); and employers seeking employee benefits (group life, group income protection, group critical illness, corporate PMI, health cash plans).
Is Pangea Life a public or private company?
Pangea Life is a private company. It is classified as corporate owned and is currently acquired.
When was Pangea Life founded?
Pangea Life was founded in 2015. It employs 1 to 10 people.
Where is Pangea Life based?
Pangea Life is headquartered in Winchester, United Kingdom, in the Europe region.
How does Pangea Life make money?
One revenue line is on record: insurance Brokerage Commission.
Who are Pangea Life's main competitors?
Clear Group is listed as an others. Broad incumbents are PIB Group, Aviva, Vitality and Howden Group. Direct peers are Reassured, Cavendish Online, Drewberry Insurance, Protect Line and LifeSearch.
Does Pangea Life have an API?
No public API is recorded for Pangea Life.