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    We specialise in the following classes of Life:

    • Group Life
    • Credit Life
    • Sports Life – death by natural causes
    • Ships Crew Life
    • Aviation Life
    • Specialist cover for persons employed in hazardous occupations and/or hot zones – death by natural causes
    • Lump Sum Funeral Benefits

    Our principal Life underwriter travels extensively to visit clients and work with them to tailor appropriate solutions to their needs.

    Most lines of Life protection can be offered, particularly the following specialist lines: Sports Teams for professionals; War & Terrorism risks, including coverage for journalists, aid workers, armed forces, peacekeeping forces and others working within a war zone; Aviation cover for pilots and crew; and cover for Ships crew on board vessels.

    Coverage Available

    • Death (Any Cause or Natural Causes)
    • Permanent Total Disablement (PTD) – Own Occupation or Any and Every Occupation
    • Permanent Partial Disablement (PPD)
    • Other Ancillary Disability benefits – only to be written in conjunction with Life

    Limits Available

    • Maximum any one person: US $2,000,000
    • Maximum any one accumulation: US $20,000,000

    Key Territories


    Life team


    Phil Girdler

    Life Underwriter

    Phil Girdler

    London, UK

    +44 207 674 7066


    Trevor Elford

    Claims Manager

    Trevor Elford

    London, UK

    +44 207 674 7725

    Michelle Nichols

    Claims Manager

    Michelle Nichols

    London, UK

    Life forms

    Claim forms

    Death Claim Form

    Fact sheets

    Life Factsheet
    Group Life Questionnaire
    Credit Life
    Credit Card


    UK Business
    Non-UK Business