Crystal Life Limited

Reference number: 142772

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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.

The FCA register does not name a principal for this 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.
  • Crystal Life Limited (FRN 142772) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from Crystal Life, 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.

  • No website on the FCA register

  • Verified phone number

    01923 333199

  • Verified address

    Crystal Life Ltd, The Kinetic Centre, Theobald Street, Borehamwood, Hertfordshire, WD6 4PJ, United Kingdom

Company details

From the company's Companies House record.

Company number
03687985
Company status
Active
Company type
Private limited company
Incorporated
23 December 1998 (27 years old)
Registered office
First Floor 677 High Road, North Finchley, London, N12 0DA
Nature of business
  • Life insurance (SIC 65110)

Current directors and secretaries

Name Role Born Appointed
Andrew Solomonides Director Jan 1970 23 Dec 1998
Graziella Polcaro Secretary Not published 2 Jan 2008

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through 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.

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Common questions

Frequently asked questions

Is Crystal Life Limited FCA authorised?
Crystal Life Limited (FRN 142772) 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 Crystal Life?
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. Crystal Life Limited (FRN 142772) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from Crystal Life, 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 Crystal Life?
Protection works through the principal firm responsible for Crystal Life's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Crystal Life a scam or clone?
Crystal Life 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 Crystal Life's Firm Reference Number (FRN)?
Crystal Life's FRN is 142772. You can verify it on the FCA register.