Home About us Our Financial Strength

Our Financial Strength

Our Ethos

As part of the Utmost Group and one of its core businesses, Utmost International is managed in a prudent and conservative manner.

As a strongly capitalised, profitable business we are well positioned to build on our success.

Our aim is to continue serving the needs of our customers and deliver strong, sustainable returns to our investors for the years to come.

Our Recent Awards

International Investment

Utmost Group awarded Best International Life Group (UK)
2023 – 2024

Professional Paraplanner Awards

Utmost Wealth Solutions awarded Best Offshore Product Provider
2024

International Investment

Utmost Group awarded Best International Life Group (Non-UK)
2022 – 2023

International Adviser

Utmost Group awarded Best International Life Group (UK)
2022 – 2023

Our Regulatory Regime

Our life companies comply with all local regulatory regimes and are consolidated on a Solvency II consistent basis. Our businesses hold high levels of capital and manage their liquidity and assets in a prudent manner so that they can endure over the long-term and support our clients through generations.

At a Glance

“A+” Insurance Financial Strength Rating

with Stable Outlook from Fitch Ratings*

£344m

Annual Premium Equivalent in 2023

£3.6bn

New Business Premiums in 2023

c.£57.2bn

in Assets under Administration

Please note that previous company performance is not a guide to future performance.
 All figures quoted are correct as at 31 December 2023. * Fitch Ratings awarded to Utmost International Isle of Man Limited, Utmost PanEurope dac and Utmost Worldwide Limited on 5 June 2024.

Ratings

Fitch Ratings

As of 5 June 2024, the three rated operating entities of Utmost Group – Utmost International Isle of Man Limited, Utmost PanEurope dac and Utmost Worldwide Limited – have been assigned Insurer Financial Strength (IFS) Ratings of ‘A+’ with stable outlooks.

Fitch has also assigned Utmost Group an Issuer Default Rating (IDR) of ‘A‘ with a stable outlook.

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AKG (UK only)

We are pleased to confirm A (Superior) ratings from AKG for Utmost PanEurope dac in Ireland and Utmost International Isle of Man based in the Isle of Man.

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Policyholder Protection

Our life insurance companies are governed by their local insurance regulation regimes in the Isle of Man, Ireland and Guernsey.

In each region, there are minimum solvency requirements that life companies must adhere to.

Each life company within Utmost International is required to maintain a minimum solvency margin. This margin, where the company’s capital exceeds its projected liabilities, serves as a safeguard against potential losses. These solvency requirements are designed to provide a financial buffer, ensuring that Utmost International can endure potential future adverse events.

In addition, policyholder protection regimes are established in each region. These regimes dictate how client assets are held and managed, as well as the conduct of insurance companies. Regional regulations and compensation schemes are in place to protect clients.

The manner in which Utmost International conducts its business, combined with its size, strength, and the stringent regulatory environment in which it operates, creates a solid foundation for its operations.

Discover more about Utmost International

Download our latest Solvency and Financial Condition Reports and Financial Statements.

Annual Reports