Protecting Health.
Protecting Wealth.

Using Pioneering Health Screening, to disrupt the Life Insurance industry, so our clients live a healthier, longer life and pay lower premiums.

Cipher are unique in supporting clients wishing to place high value
and complex insurance risks.

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.

“Through Advanced health’s, screening, I found out in 2019 that I had prostate cancer. Advanced Health referred me to their leading world class Prostate Consultant. I underwent surgery recently and have been declared 100% clear, which is of course a huge relief and has had a minimal impact on my personal and business life."

ROBERT LEECHMAN - NON-EXEC OF MULTIPLE BUSINESSES, FORMER CCO OF COCA-COLA

“I was shocked that the CT heart scan highlighted a potentially life threatening heart disease. Advanced Health immediately referred me to their consultant cardiologist and I am now taking statins, which should halt the progress. Thank goodness I had my IHT Insurance in place, as I would now be uninsurable.”

MALCOLM BURNE - COMPANY DIRECTOR

"Advanced Health’s home medical and fasting bloods picked up that I had a cholesterol reading of 7.5. The CT Heart scan showed a calcium score of zero; highlighting I had no calcification in my arteries. We advised my insurers and the loading they had applied to my premium was removed."

CRAIG GRIFFIN – PROPERTY DEVELOPER

“Advanced Health screenings enabled me to increase my IHT Whole of Life cover by 50% and save me over £1.6m to £2.5m in future premiums, depending on my life expectancy.”

TIM JONES - CHAIRMAN OF CH&CO CATERING

Why Choose Cipher?

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.

Clients have access to our World-Class Medical Board and industry-leading underwriters, who work to substantially minimise premiums

Meet Our Team

**Dominic Guise**
Co-Founder Director COO

**Wesley McCranor**
Co-Founder Director Head of Commercial

**Toby O’Connor**
Chief Executive Officer

**Dennis Guise**
Co-Founder Head of Group Business Development

**David Strachan**
Chief Financial Officer

**Michael Doyle**
Head of Underwriting and Claims

**Hannah Sharp**
Administration & Office Manager

**Lydia Clark**
Medical & Client Administrator

**Fahmida Begum**
Compliance & Servicing Administrator

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

Get In Touch

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

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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

Cipher are unique in supporting clients wishing to place high value and complex insurance risks.

Why Choose Cipher?

Meet Our Team

Get In Touch

Cipher are unique in supporting clients wishing to place high value
and complex insurance risks.