Trusted by the industry's finest advisers

They are named, practising wealth managers and financial advisers at regulated firms, including Hoxton Capital Management, SVN Capital, GSB Capital, ARIA Capital Management, Finsbury Wealth, Mulberry Bow, Wealth Management Services and Indigo Financial Analysis. Every review on this page is attributed to a named individual with their firm and job title. None are anonymous.

These are professional reviews from advisers, wealth managers and intermediaries who have worked with Capital for Life on client cases, not from the underlying policyholders. Most of Capital for Life's work is done alongside financial advisers, tax specialists, trustees, private bankers, fiduciaries and family offices, and this page reflects those working relationships.

No — where an adviser introduces a case, the client relationship remains with the introducing adviser. Capital for Life's role is to structure, place and service the policy alongside you, not to replace you on it. The Capital for Life introducer agreement contains a non-solicitation clause, so this is a contractual protection rather than an assurance of goodwill.

Capital for Life works on cases from a minimum of US$1m of life cover, with no upper ceiling beyond the insurers' own limits, which are typically $150m+ per life. To date the firm has placed more than $868m of total life cover, including over $200m of high-value cover, across 24 wealth management partnerships.

Capital for Life is remunerated by the insurer. That remuneration is shared with the introducing adviser or professional firm, so an adviser who brings a case to Capital for Life is paid on it rather than giving up the economics in order to access the structure, the insurer and the underwriting.

Capital for Life is independently owned. It is not owned by, part-owned by, or under common ownership with any insurer or product provider, so no third party has a commercial interest in which insurers it recommends. The panel is deliberately small and selected on underwriting quality, technical strength and servicing. Capital for Life only recommends insurers it would place its own money with, and in some cases declines products that pay higher commission.

Capital for Life is an Appointed Representative Partner Practice of Forest Wealth SA, which is registered with FINMA as an Insurance Intermediary. Where Capital for Life works alongside an introducing adviser, that adviser's own regulatory permissions govern the advice given to their client. Where Capital for Life deals with a client directly, it does so under the Forest Wealth Swiss permissions. Capital for Life is an Appointed Representative Partner Practice of Forest Wealth SA, Company No. CHE-335.995.515, Rue Neuve du Molard 19, 1204 Genève, Switzerland. Forest Wealth is registered as an Insurance Intermediary with the Swiss Financial Market Supervisory Authority (FINMA - F01309072) and affiliated to Organisme de Surveillance pour Intermédiaires Financiers & Trustees (SO-FIT) as an SRO - Affiliate No. 1260. Forest Wealth is a member of the Client Advisors register at the Association Romande des Intermédiaires Financiers (ARIF - 32974).

Your client cannot approach these insurers directly. Capital for Life places business with some of the largest life insurers in the world, and they do not accept applications from the public — cases are only accepted through a financial adviser or other qualified professional. That requirement is set by the insurer, not by Capital for Life.

Capital for Life continues to support the introducing adviser after a case completes, including quarterly policy valuations. An optional paid annual review is also available: a deep dive into policy performance, funding and the options open to the client, prepared for the adviser to take into the client meeting. Support runs for as long as the policy does, not just to the point of placement.

Indexed Universal Life and Private Placement Life Insurance are not right for every client. Both are long-term commitments: they depend on sustainable funding over many years, they are expensive to unwind early, and they need ongoing monitoring rather than being placed and forgotten. Where a client's time horizon, liquidity needs or objectives do not fit that profile, Capital for Life will say so.

Yes — every adviser quoted on this page is named alongside their firm, and Capital for Life is happy for prospective partner firms to approach them for a reference before placing any business. They work at firms including Hoxton Capital Management, SVN Capital, GSB Capital and ARIA Capital Management, and can speak first hand to their experience of working with Capital for Life.