High Value Life Insurance Broker | High Net Worth Life Insurance

Risk Assured are the UK's market-leading, high-value life insurance broker

We work with leading professional firms to provide solutions for wealthy clients

Everything we do stems from an understanding of clients’ unique requirements, busy lifestyles and high expectations

The advice we offer includes insurance for the four key areas of concern to clients.

Mitigating Inheritance Tax (IHT)

Life insurance is an important tool in preserving the value of an estate, especially where assets are illiquid, held till death, or gifts of substantial value are made. Life insurance provides a simple and cost-effective solution and, when structured correctly, provides immediate liquidity to fund the IHT due, before probate is granted.

Protecting Families

The sudden death or illness of an individual can leave a family with challenging financial circumstances. Insurance can be used to provide liquidity and to allow the deceased’s family to meet day to day expenditure such as mortgage payments, school fees and general living expenses.

Protecting Businesses

Businesses are complex operations, and they are open to many and varied risks. One of the greatest risks is the sudden death or illness of a key individual or major shareholder. We are experienced in arranging policies that can provide a cash injection in such circumstances. This helps ensure the ongoing success of the business and continuity of ownership.

Protecting Mortgages / Borrowing

Life insurance provides liquidity to repay debts on the death or illness of the borrower. This cover can be required by lending institutions and can be written on either a single life or joint life first death basis.

I never have any hesitation to refer a client to the Risk Assured team. I have complete confidence that their proactive and responsive approach always delivers a premium client service which aligns to how we work with our clients. In my working with Risk Assured, they have secured some amazing results for our clients and provided incredible value. They are practical and pragmatic in their approach, and always honest with clients from the outset.

Nimesh Shah - CEO, Blick Rothenberg

Risk Assured are unique in that they have unrivalled expertise in placing ultra-high value cases on risk – that’s what sets them aside from their competitors. They ensure that medical issues are handled with minimum inconvenience and stress.

Jane Shaw - Consultant, Addleshaw Goddard

I have worked with Risk Assured for many years now across a variety of Private Banking roles. They have achieved consistently good outcomes for our Clients and come highly recommended.

Ken Chapman - Head of Wealth Planning, EFG Private Bank

You just can’t send a multi-millionaire off to an insurance broker who wants them to attend a medical at a grotty building in Croydon at a time not of their choosing. Risk Assured aren’t phased by big numbers, even by very big numbers. The industry typically gets scared when the amount of cover rises above a million. They have a remarkable ability to place cover for people who don’t live in the UK – especially those living in countries where a lot of insurers are seriously put off.

Andrew Goldstone - Head of Tax and Wealth Planning, Mishcon de Reya

They helped me get ready for my application just like you get a car ready for its MOT. I wanted to make sure that if anything should happen to me, there’d be no fire sales of businesses that I’ve worked very, very hard to build up.

Ben White - Former Partner, Notion Capital

I can’t rate them more highly. Being a smaller organisation, both more personal and more motivated, allows them to get things done when others can’t.

Harry Talbot Rice - Former Head of Global Equities, Sarasin and Partners

Risk Assured advised me on the purchase of two critical illness policies. Unfortunately, days after their implementation I discovered that I had contracted an illness and needed to claim on them. The team at Risk Assured were very professional in helping me handle the claim and dealt directly with the insurers on my behalf. The claims were settled promptly and with minimum involvement on my part thus allowing me to focus on recovering from my illness. The team come highly recommended.

Martin Brebner - Co-Founder and Director, Wentworth Homes

We protect our clients’ most valuable asset – their lives

Our reputation in the market grants us privileged access to insurers and reinsurers to negotiate the best possible terms efficiently and quickly. We have excellent relationships with UK and offshore insurers, enabling us to meet the requirements of domestic and international clients.