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Life Insurance Companies in Cardiff: 36 Active Firms (2026)
Life and protection insurers underwrite policies that pay benefits on death, illness or income loss for customers in the Cardiff area.
Buying centres cluster around adviser distribution, employer protection schemes and back-office policy administration, rather than a single retail channel. Customer demand is mixed: individual consumers buy through direct or advised routes, employers need group-facing cover and intermediaries look for policy support that fits their own client workflow. Typical engagements are policy-led and operational, with underwriting, commission treatment, renewal handling and claims administration shaping the relationship more than one-off software or consultancy projects.
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Cardiff has 36 actively trading life and protection insurance companies in this cohort. Reported employment across the cohort is 89 people, so the footprint looks more like a broker-administrator and specialist underwriter cluster than a concentration of large balance-sheet insurers. Many firms will sit close to financial advice, employee-benefit consulting and policy servicing workflows, where client relationships and renewal processes matter more than office scale.
Life and protection cover brings conduct risk into ordinary sales operations. Cardiff firms that sell through advisers or employers need clear controls around eligibility, exclusions, underwriting decisions, vulnerable customers and claims outcomes, because the product promise is only tested at a difficult point for the policyholder. Distribution also shapes oversight: adviser-led sales create dependency on intermediary quality, while employer channels add questions around communication, consent and ongoing suitability when cover changes.
Future change appears more likely to come from distribution and administration than from a wave of new balance-sheet insurers. Most Cardiff-based providers in this niche look lean, so technology adoption tends to show up in quote handling, adviser portals, medical evidence collection and claims triage rather than wholesale operating-model change. Consolidation may remain a practical route for smaller firms that need broader distribution, claims capability or compliance capacity without building those functions internally.
36
Active firms
2026
1
Above £5M
annual revenue
5
Newer firms
incorporated since 2022
Key facts
About 2% of the trading cohort reports turnover above £5M (1 of 36 firms) — the rest sits below that revenue band.
13% of the cohort was incorporated since 2022 (5 firms), so a sizeable share is in its first few filing cycles.
Pricing tends to centre on mortality, morbidity and income-risk assumptions rather than short-cycle usage metrics.
Benefits are triggered by death, illness or income loss, so claims handling sits close to the customer proposition.
Cardiff-area life and protection insurance providers serve a household-resilience use case rather than discretionary cover.
Sales teams are likely to find distinct buying conversations across underwriting, administration and specialist protection operations.
Top Cardiff Life Insurance companies
IM-INSURED.COM LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides insurance brokerage and comparison services for individuals and businesses, arranging policies such as life insurance, income protection, private medical cover, business protection, and…
Serves UK consumers, families, expatriates and homeowners, plus businesses and employers seeking staff benefits, key person cover, business protection and private medical insurance.
Financial Health
HealthyHealthy
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and financial protection advice, helping clients arrange residential, remortgage and buy‑to‑let mortgages and access products from multiple lenders, alongside life,…
Serves consumers in South Wales and nearby areas, including first-time buyers, homeowners remortgaging, buy-to-let property investors, and individuals seeking life, critical illness, home or income…
Financial Health
HealthyHealthy · Hiring · 19% CAGR over 4y
Location
CORNERSTONE CAPITAL FINANCE LIMITED
Trajectory
4y · 2023–NowFinancial sub-scores
Computed from 4 filingsProvides mortgage brokerage and financial advisory services for individuals, landlords and businesses. Services include residential mortgages, remortgaging, equity release, life and income protection…
Serves individuals and families, businesses and landlords, plus mortgage and protection advisers, appointed representatives and introducers looking to join a finance network.
Financial Health
StableStable · -78% CAGR over 3y
Location
YOUR PROTECTION SPECIALIST LTD
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
GOBEAR LOANS LTD
Trajectory
3y · 2024–NowFinancial sub-scores
Computed from 3 filingsProvides mortgage brokerage and financial advice, arranging residential and buy‑to‑let mortgages, remortgages, second charge mortgages, secured and unsecured loans, bridging finance, equity release…
Serves consumers seeking personal mortgage and finance advice, including homebuyers, remortgagers, landlords with buy-to-let properties, homeowners needing secured or unsecured loans, and over-55s…
Financial Health
HealthyHealthy · Growing, Hiring · 6% CAGR over 2y
Location
Tungsten Financial Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed · 0% CAGR over 1y
Location
Harries Financial Wealth Management Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -8% CAGR over 5y
Location
Harries, Powell & Price Ltd.
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
APR Mortgages Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advice services, helping customers arrange residential, remortgage and buy‑to‑let loans through a panel of lenders. Also advises on protection products including life…
Serves UK consumers seeking mortgage-related guidance, including first-time buyers, home movers, remortgagers, buy-to-let landlords and over-50 borrowers, as well as people considering protection…
Financial Health
StableStable · -7% CAGR over 4y
Location
Chris Price Financial Consultancy Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -5% CAGR over 4y
Location
CIA CONSULTING LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · Hiring · 19% CAGR over 4y
Location
LEXION FINANCIAL SERVICES LIMITED
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
AMPLE FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -16% CAGR over 4y
Location
Elite Independent Mortgages Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides independent mortgage brokerage and financial advice, arranging residential, remortgage and buy‑to‑let loans. Also advises on protection products including life, critical illness and income…
Serves individuals in South Wales, including first-time buyers, homeowners remortgaging or seeking equity release, buy-to-let landlords, and clients needing protection, insurance or conveyancing…
Financial Health
StableStable · Hiring · 11% CAGR over 2y
Location
IKA Financial Solutions Limited
Trajectory
3y · 2021–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 3y
Location
PAUL JONES WEALTH MANAGEMENT LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
BROWNE & BROWN IFA LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · Hiring · 41% CAGR over 2y
Location
R K FINANCIAL SERVICES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · -24% CAGR over 4y
Location
MORGAN FINANCIAL SOLUTIONS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and financial advice, including assistance with first-time buyer mortgages, remortgages, buy‑to‑let and equity release. Also arranges life, property, income protection and…
Serves UK consumers including first-time buyers, home movers, remortgagers, buy-to-let investors and equity release customers, plus businesses seeking commercial property finance or insurance.
Financial Health
StableStable · 0% CAGR over 5y
Location
AMPLE MORTGAGES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services for home purchase, remortgaging, buy‑to‑let and specialist borrower groups. Also arranges insurance products including life insurance, income…
Serves individual consumers seeking mortgage advice, including first-time buyers, home movers, remortgagers, buy-to-let landlords, over-50s, IT contractors, doctors, police personnel, and RAF or…
Financial Health
HealthyHealthy · Hiring · 19% CAGR over 4y
Location
JJ Wealth Management Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
CHARLES FRANK FINANCE LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides mortgage brokerage and finance advisory services, arranging residential, buy‑to‑let, second charge, bridging and commercial mortgages. Also brokers protection insurance products including…
Serves UK homebuyers and remortgagers, buy-to-let landlords and property investors, plus businesses seeking commercial or bridging finance and introducers referring mortgage cases.
Financial Health
StableStable · -29% CAGR over 3y
Location
Vision Financial Advisers Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -20% CAGR over 4y
Location
ZEST MORTGAGES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -68% CAGR over 4y
Location
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How Cardiff Life Insurance companies work and how to sell to them
What they do
Revenue usually comes from premiums, commission, administration fees and renewal income tied to life cover, critical illness cover, income protection and related policy servicing. Cardiff firms in this niche tend to operate around policies rather than projects: value is created by quoting accurately, placing cover, maintaining records, handling evidence and supporting claims. Some revenue is recurring while policies remain in force, but cash flow can still be sensitive to lapse rates, adviser activity and employer scheme changes. Commercial conversations therefore often sit with operations and distribution teams as much as finance, especially where a supplier affects underwriting speed, adviser confidence or claims handling.
Who they sell to
Customers typically split across individual policyholders, employers arranging protection benefits, and financial advisers who control or influence distribution. Consumer sales may be direct or adviser-led, while employer work usually involves HR, reward, finance or benefits consultants. Adviser channels add another buyer: the intermediary needs clear documentation, quote turnaround and commission treatment before recommending or administering cover. Contracting can be relatively slow where compliance review, product governance and claims processes are touched, even for smaller providers. Larger employer schemes and administration mandates are more likely to involve formal procurement, while adviser-led relationships often develop through account management and service performance.
What they buy
Most life and protection firms tend to spend on systems and services that reduce friction in policy administration, sales compliance and client communication. Common categories include CRM, workflow tools, document management, call handling, secure messaging, identity checks, e-signature, analytics, finance systems and compliance support. Firms with adviser or employer channels may also buy portal development, integration work, commission processing, reporting tools and marketing operations support. Claims and underwriting workflows create demand for medical evidence handling, case management, audit trails and data quality services. Lean teams are often receptive to outsourced legal, accounting, actuarial, recruitment and customer-service support when internal capacity is constrained.
Why and how to sell to them
Buying triggers often appear when policy volumes rise, adviser service levels slip, claims backlogs emerge, or compliance requirements expose gaps in audit trails and customer communication. Leadership changes, new distribution partnerships, acquisitions and the launch of employer-facing schemes can also create a review point. Sellers usually need to frame outreach around operational risk and revenue retention rather than generic growth claims: faster quote handling, fewer manual checks, clearer adviser reporting, lower lapse risk or better evidence capture. Proof matters because these firms carry conduct and claims exposure, so credible references by buyer type, implementation effort and control implications tend to land better than broad software language.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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Frequently asked questions
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