UTMOST LIFE AND PENSIONS LIMITED

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

• Turnover

  +453.8%

  £51,100,000 → £283,000,000

• Cash

  -47.8%

  £73,500,000 → £38,400,000

• Net assets

  +6.8%

  £135,500,000 → £144,700,000

• Employees

  +9.2%

  153 → 167

• Profit before tax

  -65.2%

  £34,200,000 → £11,900,000

• Wages

  +14.4%

  £10,400,000 → £11,900,000

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.

1. UTMOST LIFE AND PENSIONS LIMITED 2019-03-04 → present
2. RELIANCE LIFE LIMITED 2018-03-23 → 2019-03-04
3. LCCG NEW LIFECO LIMITED 2017-01-12 → 2018-03-23

Accounting basis

FRS 102

Reporting scope

Standalone (parent only)

Auditor

Forvis Mazars LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“The Directors have made an assessment of the Company's going concern, considering both the Company's current performance and its outlook for a period of at least 12 months from the date of approval of these Financial Statements, using the information available up to the date of issue of the Company's Financial Statements. The Company manages and monitors its capital and liquidity, and various assessments and stresses are applied to those positions to understand potential impacts of market downturns (Note 2(b)). These stresses do not give rise to any material uncertainties over the ability of the Company to continue as a going concern.”

Group structure

1. UTMOST LIFE AND PENSIONS LIMITED · parent
   1. Equitable Life Assurance Society (ELAS) · England and Wales · Life Insurance

Significant events

• “On 19 December 2025, JAB Insurance Holdings L.P. ("JAB Insurance") made a binding offer to purchase Utmost Life and Pensions Holdings Limited and its subsidiaries, which includes ULP. Subject to regulatory approval, this will result in a change to the ultimate owner to JAB Holding Company SARL ("JAB Holdings"), a company registered in Luxembourg.”
• “Our first two scheme buy-outs were successfully completed in Q1 2026.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

4

last 12 months

Capital events

0

last 24 months

Officers appointed

0

last 12 months

Officers resigned

1

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.