Ascott Life and Health Limited

Reference number: 1054168

Instant download

Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Cover-Rule Limited Reference number: 311856 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Ascott Life and Health Limited (FRN 1054168) is an AR of Cover-Rule Limited (FRN 311856). When you use Ascott Life and Health's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ascott Life and Health, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • Ascott Life & Health
  • Ascott Life & Health Insurance Brokers

Company details

From the company's Companies House record.

Company number
16387991
Company status
Active
Company type
Private limited company
Incorporated
15 April 2025 (1 year old)
Registered office
C/O Djh St Georges House, 56 Peter Street, Manchester, M2 3NQ, United Kingdom
Nature of business
  • Life insurance (SIC 65110)

Current directors and secretaries

Name Role Born Appointed
Dean Kenneth Henson Director May 1988 15 Apr 2025
Christopher Paul Kay Director Sep 1981 15 Apr 2025
Kerryann Willoughby Director Mar 1982 15 Apr 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Cover-Rule Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Ascott Life and Health Limited FCA authorised?
Ascott Life and Health Limited (FRN 1054168) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Ascott Life and Health?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Ascott Life and Health Limited (FRN 1054168) is an AR of Cover-Rule Limited (FRN 311856). When you use Ascott Life and Health's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ascott Life and Health, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Ascott Life and Health?
Protection works through Cover-Rule Limited, the principal firm responsible for Ascott Life and Health's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Ascott Life and Health a scam or clone?
Ascott Life and Health is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Ascott Life and Health's Firm Reference Number (FRN)?
Ascott Life and Health's FRN is 1054168. You can verify it on the FCA register.