We realise that Life Assurance is not like buying other insurances. Life & Critical IlIness insurances are based purely on your health, lifestyle and family history. Therefore, our focus is on managing our client’s health.
Cipher’s focus is on managing our client’s health, to ensure they live a healthier, longer life. Our Advanced Health Screening Service, paired with our World Class Medical Board, ensure the best possible management of new or existing issues.
Our Advanced Health Screening Service, enables the earliest possible diagnosis of conditions, as well as management of existing conditions, to ensure conditions have minimal impact or both personal and business life.
Cipher are unique in supporting clients wishing to place high value and complex insurance risks, tailoring to their individual needs. We understand that Life Assurance is not like buying other insurances, such as car, house & contents insurances, that are not related to one’s health (familial history).
Insurance and Reinsurance companies respect Cipher’s approach to managing our client’s health – not as a one-off, but ongoing for life. Enabling lower premiums for IHT, Family & Mortgage protection, Keyman & Share-purchase.
Through our bespoke in house underwriting process, our High Value Clients testify to Cipher saving £1000’s to £millions in premiums, seeing us become their sole provider.
In many cases, post issue of Life or Critical Illness cover, Cipher Advanced Health CT or MRI Scans of key organs can improve loadings, or overturn many of the high percentage of lives either loaded or unfairly declined every year in the UK.
Cipher’s Health Screening service not only uses the most advanced medical technology, but gives 24/7 access to some of the most recognised global Medical Practitioners.
Our pioneering approaches have seen the industry follow suit. Our process of anonymisation of medical records and results, was an industry first. Our unique and transparent OneLife process, helps negotiate the most competitive terms in the market with insurers and reinsurers.
We treat every client individually, creating a bespoke solution for their requirements.
Cipher’s Co Founder Dennis, experienced Prostate Cancer in his prime. Fortunately, through the Advanced Health Screening Programme it was detected early and managed, minimising the impact on his personal and business life.
This first-hand encounter with Cancer and a Board Of Directors with some of the most extensive experience in the insurance industry, inspired Cipher to be the best protection broker on the market, driving insurance companies to provide better products.
Dr Duncan Dymond
Senior cardiologist at Bart’s Hospital, Swiss Re
Professor Chris Wood
Imperial College, Expert In Cancer and Molecular Biology
Dr Devinder Bansi
Gastro Enterologist-One Welbeck & Bupa Cromwell Hospital
Dr Susan Catton
Retired GP with special interests in women’s health and healthy lifestyles
Dr Brian O’Connor
General Medicine, Respiratory Medicine at Bupa Cromwell Hospital King Edward VII
Dr Ted Schaeffer
Scientist and leading world Expert In Prostate Cancer Ex Johns Hopkins, now Northwestern
Dr Nick Plowman
Senior Clinical Oncologist to St Barts Hospital and Great Ormond Street
Shaun Smith
Founder of the Dental Surgery
Alex Morley
CEO of Horizon Former CEO Sanlam wealth planning founder English Mutual
Michael Sherry
Tax counsel, Former Head of Chambers at Temple Tax
Elliott Silk
Head of Commercial Sanlam
David Simpson
Former Managing Director of Millgate Developments
Robert Leechman
Formerly Chief Customer and Commercial Officer of The Coca-Cola Company.
Tim Jones
Chairman of CH&CO Ltd
Simon Davies
Managing Director of Spectrum Corporate Finance
Mark Spelman
Non Executive Board Director and Member of the Executive Committee World Economic Forum
We are committed to treating every client on an individual basis, to ensure they live a healthier, longer life and pay lower premiums.
Contact the team today to find out how we can protect both your health and wealth.
Call: +44 (0) 203 4403 665 | Email: enquires@cipher-risk.com
Cipher
Cipher Risk Ltd. 40 Gracechurch Street, London, EC3V 0BT
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.
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