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Life Insurance Companies in Liverpool: 31 Active Firms (2026)
Life insurance companies arrange policies that pay benefits on death, illness or income loss for customers in the Liverpool metro area.
Buying centres tend to sit in adviser-led protection sales, broker distribution, and employer-facing benefits advice rather than in large underwriting platforms. The customer base is mainly local households, owner-managed businesses, and intermediary channels that need help comparing cover, completing applications, and supporting claims. Engagements are usually relationship-led: recurring policy reviews, mortgage-linked protection conversations, and referrals from accountancy, legal or financial-planning networks. For researchers, the relevant shape is therefore a local services market with regulated sales processes, modest operating footprints, and repeat contact with customers at life-stage or employment-change points.
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Liverpool has 31 actively trading life insurance firms, so the local market is a small specialist cohort rather than a carrier-led hub. Reported employment totals 110 people, which points to advisory, broking and administration teams with limited back-office depth. The pattern fits a metro market where protection advice is sold through household relationships, small employer work and referrals, while underwriting capacity and actuarial functions are more likely to sit outside the local operating base.
Protection sales sit inside a conduct-led insurance regime, with permissions, suitability checks, commission disclosure, complaints handling and vulnerable-customer treatment shaping day-to-day operations. Liverpool firms that distribute policies through brokers or appointed representatives also have to manage oversight of advice quality and customer communications, not just lead generation. Market structure matters here: many firms are intermediaries rather than balance-sheet insurers, so regulatory exposure tends to cluster around sales conduct, records of advice, renewals and claims support rather than capital management.
Future change appears more likely to come from distribution pressure than from new underwriting capacity. The cohort skews towards smaller advisory and broker models, so consolidation may be driven by referral economics, compliance costs and succession planning among owner-managed firms. Digital quoting and remote advice should keep widening customer reach, but the sale remains trust-heavy and documentation-heavy. Scale-up scarcity also suggests that Liverpool’s protection market may remain locally service-oriented, with larger platform relationships sitting behind the adviser rather than replacing the adviser entirely.
31
Active firms
2026
3
Incorporated since 2022
Recent entrants
0
Above £5M
Revenue threshold
Key facts
9% of the cohort was incorporated since 2022 (3 firms), so a sizeable share is in its first few filing cycles.
Life and protection insurance covers death, illness and income loss, linking the segment to household risk, mortgage planning and workplace protection.
The Liverpool metro-area market is mainly a local distribution and advice market rather than a base for large underwriting groups.
Adviser-led sales models mean referral channels and regulated advice processes tend to matter more than employee scale.
Top Liverpool Life Insurance companies
Parker Kelly Financial Services Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides financial advice on pensions, retirement planning, investments, ISAs, mortgages, equity release, life and critical illness insurance, and estate planning. Also advises businesses on key…
Serves private individuals and the business community, mainly in the North West, seeking financial advice on pensions, retirement, investments, protection, mortgages and estate planning.
Financial Health
StableStable · Hiring · 9% CAGR over 2y
Location
J G Financial Solutions Ltd
Trajectory
3y · 2023–NowProvides mortgage advice and brokerage services, helping clients compare and arrange residential and buy-to-let mortgages from a panel of lenders. Also advises on insurance products including life…
Serves UK consumers seeking mortgage advice, home insurance, life cover and payment protection, including homebuyers, remortgagers and buy-to-let borrowers; also supports business owners needing…
Financial Health
Insufficient historyInsufficient history
Location
ASSURED COVER LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing, Hiring · 26% CAGR over 4y
Location
CITY MORTGAGE SOLUTIONS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and financial protection advice, assisting clients with residential and commercial mortgages, remortgaging and first-time buyer applications, and arranging life assurance,…
Serves consumers including first-time buyers, home movers, remortgagers and landlords, plus tradespeople and businesses seeking mortgage, protection, insurance and related legal referrals.
Financial Health
WeakWeak · -68% CAGR over 4y
Location
KELLYS NEWS(LIVERPOOL) LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides independent financial advice to individuals and businesses, covering pensions and retirement planning, investment products such as ISAs and bonds, mortgage and remortgage advice, life and…
Serves private individuals, families and business owners in the North West, including clients planning retirement, managing wealth, arranging mortgages or protection, and handling estate needs.
Financial Health
HealthyHealthy · 0% CAGR over 4y
Location
P W WEALTH AND FINANCE LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -68% CAGR over 4y
Location
E S Walton & Co Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides independent financial advice and planning, including life assurance brokerage, investment consulting, retirement planning and cashflow forecasting. Develops personalised financial plans to…
Serves individual clients and families seeking personal financial advice, especially people building wealth, planning retirement or selling a business. Primarily targets UK consumers needing holistic…
Financial Health
HealthyHealthy · -5% CAGR over 4y
Location
SGA CONSULTANCY GROUP LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides compliance and business support services to firms in financial services, claims management and energy procurement. Offers insurance mediation, business audits, training and development,…
Serves financial services partners, appointed representatives and trading names, including claims management and energy procurement firms, as well as consumers seeking insurance, mortgage and…
Financial Health
WeakWeak · 0% CAGR over 4y
Location
EASIER FINANCES LIMITED
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and financial advice, helping clients arrange residential and buy‑to‑let mortgages. Also advises on protection products including life insurance, private medical cover,…
Serves UK consumers and families arranging home mortgages, including first-time buyers and home movers, plus individuals seeking protection insurance such as life, private medical, buildings and…
Financial Health
DistressedDistressed · -64% CAGR over 4y
Location
Nexus Financial (UK) Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides independent financial and mortgage advice to individuals. Services include investment and pension planning, mortgage and equity release advice, financial protection and life assurance, and…
Sells to individual consumers and households seeking personal financial and mortgage advice, including clients needing pensions, investments, protection, equity release and inheritance tax planning.…
Financial Health
WeakWeak · 0% CAGR over 2y
Location
Oakley Independent Limited
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides independent financial advice to individuals and businesses covering mortgages, pensions, savings and investments, insurance protection, workplace auto‑enrolment, and estate planning…
Serves individuals, families and local businesses in Merseyside and the surrounding area, including personal clients and employers seeking independent financial advice.
Financial Health
HealthyHealthy · Hiring · 6% CAGR over 3y
Location
MORTGAGENEEDS.INFO LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides mortgage brokerage and advice for homebuyers and property investors, including first‑time buyer, remortgage, buy‑to‑let and specialist cases such as self‑employed or bad credit applicants.…
Serves consumers in Wirral seeking mortgage and insurance advice, including first-time buyers, remortgagers, buy-to-let landlords, self-employed people, contractors, limited company directors and…
Financial Health
HealthyHealthy · -4% CAGR over 2y
Location
Al Mortgage Solutions Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides mortgage brokerage and advice services, helping clients compare and arrange residential mortgages, remortgages and buy‑to‑let loans. Assists first‑time buyers and home movers, and offers…
Serves consumers in Liverpool, surrounding areas and across the UK, including first-time buyers, home movers, homeowners remortgaging, and buy-to-let property investors.
Financial Health
HealthyHealthy · Hiring · 41% CAGR over 2y
Location
All Sorted Financial Planning Limited
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsAdvises on and arranges personal and property insurance policies, including life insurance, income protection, critical illness, accident and sickness cover, unemployment protection, and specialist…
Serves UK consumers seeking personal protection cover, including families, first-time buyers, over-50s and people with medical conditions, plus landlords and small businesses such as tradesmen, shops…
Financial Health
WeakWeak · -26% CAGR over 2y
Location
RALPH A RIGBY INSURANCE SERVICES LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -58% CAGR over 5y
Location
Moneytree Financial Solutions Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides financial advice and brokerage services covering savings and investments, pensions and retirement planning, tax planning, insurance protection, mortgages, equity release, and business…
Serves individuals, families, homeowners and property buyers seeking financial advice, alongside business owners and employers needing protection, pensions and staff benefit support.
Financial Health
StableStable · Hiring · 18% CAGR over 2y
Location
Wealth UK (Financial) Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
MULTI BROKER LTD
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong
Location
Nicomori Associates Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak
Location
Migem Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · 0% CAGR over 4y
Location
People and Business IFA Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides independent financial advice and planning for individuals and businesses, including pensions, investments, protection insurance, inheritance tax planning, retirement planning, business…
Serves private individuals at different life stages, business owners and corporate bodies seeking independent financial advice for personal, family and business financial needs.
Financial Health
StableStable · 4% CAGR over 2y
Location
OPTASIA WEALTH MANAGEMENT LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides financial advisory services to individuals and businesses, including investment planning, pensions and retirement advice, mortgage advice, protection and life insurance, business protection,…
Serves private individuals and corporate clients seeking financial advice, including pensions, retirement planning, investments, mortgages, protection and insurance. Targets people managing personal…
Financial Health
HealthyHealthy · 0% CAGR over 4y
Location
Mortgage Advice Bureau North West Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services to homebuyers and property owners, arranging residential, remortgage and buy‑to‑let loans through a network of advisers with access to multiple…
Serves UK consumers seeking mortgage and protection advice, including first-time buyers, home movers, remortgagers, buy-to-let landlords and over-50 borrowers.
Financial Health
HealthyHealthy · -10% CAGR over 4y
Location
Alpha Financial Management Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides independent financial advice on pensions, retirement planning, savings and investments. Also arranges life and income protection insurance, pension consolidation and drawdown options, and…
Serves individual consumers, especially people approaching or in retirement, 55+ pension holders, savers and investors, homeowners considering mortgages or equity release, and clients needing…
Financial Health
WeakWeak · 0% CAGR over 4y
Location
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How Liverpool Life Insurance companies work and how to sell to them
What they do
Revenue usually comes from commission on protection policies, adviser fees for planning work, and administration charges around employer schemes. Liverpool life insurance firms are more likely to package advice, policy comparison, application support and periodic reviews than to manufacture cover themselves. The sale is a service workflow wrapped around regulated insurance products: fact-find, affordability, medical and occupational disclosure, recommendation, application, underwriting queries and claims guidance. Pricing is therefore indirect in many cases, with monthly premiums paid by the customer and remuneration received from the insurer or intermediary arrangement. Employer-facing work may look more like benefits advice, with annual review cycles and scheme administration layered onto the initial placement.
Who they sell to
Customers range from mortgage-linked households and self-employed workers to owner-managed companies that want group protection or key-person cover. The individual buyer is often a household decision-maker, while business sales usually involve an owner, finance lead, HR manager or external accountant. Most contracts are sourced through referrals, adviser networks, mortgage brokers and direct local relationships; formal RFPs are more common where an employer benefit scheme is involved. Sales cycles tend to be short for straightforward individual protection, but can lengthen when medical underwriting, trust structures, multiple directors or employee-benefit renewal dates are involved. Trust and response time matter because customers are often dealing with family risk, debt or staff retention rather than discretionary software spend.
What they buy
Most Liverpool life insurance firms tend to spend on tools that reduce adviser admin and protect the advice file: CRM, compliance monitoring, call recording, secure document collection, electronic signatures, customer identity checks and commission reconciliation. Lead generation and referral management also matter, but sellers should separate paid enquiry volume from qualified protection demand. Firms with employer-facing work may need benefits administration, renewal tracking, payroll-adjacent reporting and secure employee communications. Specialist services can include FCA compliance reviews, professional indemnity advice, accountancy, search marketing, adviser recruitment and outsourced case administration. Cloud telephony, workflow automation and management reporting are usually easier to justify when they shorten application handling or improve file quality.
Why and how to sell to them
Buying triggers tend to be operational rather than speculative. A firm hiring advisers, adding appointed representatives, moving into employer benefits or taking more remote enquiries often has to revisit case management, supervision and customer communication. Compliance pressure is another route in: a review of advice files, complaints handling or vulnerable-customer processes can expose weak audit trails and inconsistent follow-up. Outbound pitches work better when tied to observable friction, such as dropped applications, slow medical evidence collection, missed renewal reviews, poor lead conversion or manual commission checks. The tone should be practical; these firms are usually small enough for owner-managers to care about cost, but regulated enough to value clearer records and fewer avoidable rework loops.
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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