Underwriting Risk. One Life at a Time.
Bespoke underwriting for high value people

A specialist protection consultancy that
seeks to do things differently

Why choose Cipher?

We’ve built a market leading reputation for delivering two simple things: Real value to our private and corporate clients and our proven expertise in navigating the complex and often cloudy underwriting processes of the UK life assurance and protection industry.

Close up of stethoscope and doctor sitting in a background filling in documentation
Our unique approach to underwriting assures you one thing: The most competitive terms in the UK market

Get in touch

Protection is a fundamental element of sound financial planning for individuals, families and businesses seeking to insure key personnel. For that reason, we want fair and transparent under-writing for our clients.

Speak to a member of the team to today to find out more or to arrange an appointment.

+44 (0)203 4403 665  |  enquiries@cipher-risk.com | 40 Gracechurch Street, London EC3V 0BT


40 Gracechurch Street, London


Cipher Risk Ltd adheres to and subscribes to the Financial Ombudsman Service. Click here for full details of their service or contact us for further information. 

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Cipher Risk Ltd is an appointed representative of Sanlam Partnerships Ltd which is authorised and regulated by the Financial Conduct Authority. Cipher Risk Limited is a limited company registered in England and Wales. Company Registration No. 11246236