Phoenix Life Limited
Concerned about advice from Phoenix Life Limited?
People rarely question financial advice until something feels wrong, and by then it can be hard to know where to look. We have pulled together what the public record says about Phoenix Life Limited, including every ombudsman decision published about the firm, so the facts are in one place.
Financial Ombudsman decisions involving this firm
The Financial Ombudsman Service publishes its final decisions. Phoenix Life Limited appears in 9 published decisions on record, of which 2 were upheld in the consumer’s favour.
Each decision below links to the ombudsman’s own published document. The consumer’s name is anonymised by the ombudsman, the business is not.
| Date | Reference | Type of complaint | Outcome | Decision |
|---|---|---|---|---|
| 10 June 2014 | DRN9307271 | Investment and pensions | Not upheld | Read the decision |
| 10 June 2014 | DRN5325479 | Investment and pensions | Not upheld | Read the decision |
| 10 June 2014 | DRN8431382 | Investment and pensions | Not upheld | Read the decision |
| 10 June 2014 | DRN6258395 | Investment and pensions | Not upheld | Read the decision |
| 18 December 2025 | DRN-5690111 | Investments | Upheld | Read the decision |
| 21 September 2023 | DRN-4359580 | Investments | Not upheld | Read the decision |
| 23 August 2024 | DRN-4890467 | Investments | Not upheld | Read the decision |
| 30 August 2023 | DRN-4323643 | Investments | Upheld | Read the decision |
| 9 May 2025 | DRN-5416278 | Investments | Not upheld | Read the decision |
Source: Financial Ombudsman Service published decisions. An upheld decision means the ombudsman agreed with the consumer in that individual case. It does not by itself mean any other complaint will succeed.
How to complain, and in what order
Where a firm is still trading and still regulated, the complaint starts with the firm itself. It is only fair that a business is given the opportunity to resolve the matter before anyone else becomes involved, and the rules are built that way. You raise the complaint directly with the firm, and it has up to eight weeks to look into it and give you its final response.
If that response does not resolve things to your satisfaction, or the eight weeks pass without one, two options are open to you.
The first is legal action through the courts. It is a genuine option, but it can be costly. A claim above £10,000 falls outside the small claims track, which means costs can follow the outcome, and you could be exposed to paying the other side’s legal costs if the case does not go your way.
The second, and for most people the more logical first step, is the Financial Ombudsman Service. It is free to consumers, it is independent of the firm, and it can direct a business to pay redress where it decides a complaint should be upheld. You normally have six months from the date of the firm’s final response to refer the matter to the ombudsman.
Wider time limits apply as well. Broadly you have six years from the event, or three years from when you reasonably ought to have known there was a problem, so it is worth getting a view sooner rather than later.
Company background (public record)
The company was incorporated at Companies House on 30 June 1971 under company number 01016269. Its status at Companies House is recorded as active.
Registered office: 10 Brindleyplace, Birmingham, B1 2JB, United Kingdom.
Previously named: ROYAL & SUN ALLIANCE LINKED INSURANCES LIMITED; ROYAL HERITAGE LIFE ASSURANCE LIMITED; LLOYD'S LIFE ASSURANCE LIMITED.
Nature of business (SIC): 65110.
Company timeline (public record)
Key dated events for this firm, drawn from public records. Each entry shows its source.
| Date | Event | Source |
|---|---|---|
| 30 Jun 1971 | Company incorporated | Companies House |
| 09 Jun 1986 | Company renamed (previously LLOYD'S LIFE ASSURANCE LIMITED) | Companies House |
| 17 Jun 1992 | James Edward Hughes resigned as secretary | Companies House |
| 17 Jun 1992 | David John Morgan appointed secretary | Companies House |
| 17 Jun 1994 | Ronald Calver appointed director | Companies House |
| 12 May 1997 | David John Morgan resigned as secretary | Companies House |
| 13 May 1997 | Richard Anthony Eves appointed secretary | Companies House |
| 09 Apr 1998 | Nick Criticos appointed director | Companies House |
| 01 Jul 1998 | John Hilton Berg appointed secretary | Companies House |
| 01 Jul 1998 | Richard Anthony Eves resigned as secretary | Companies House |
| 31 Dec 1998 | Company renamed (previously ROYAL HERITAGE LIFE ASSURANCE LIMITED) | Companies House |
| 13 Mar 2000 | William John Bradburn appointed director | Companies House |
| 13 Mar 2000 | Ronald Calver resigned as director | Companies House |
| 13 Mar 2000 | Jill Carnie appointed director | Companies House |
| 01 Dec 2001 | FCA status recorded as: Authorised | FCA Register |
| 30 Sep 2024 | Stephen John Makin approved by the FCA at the firm | FCA Register |
| 05 Dec 2024 | Corinne Perkins approved by the FCA at the firm | FCA Register |
| 01 Jan 2025 | Martin John Muir appointed director | Companies House |
| 06 Feb 2025 | Mark Julian Gregory approved by the FCA at the firm | FCA Register |
| 10 Apr 2025 | Nicolaos Andreas Nicandrou approved by the FCA at the firm | FCA Register |
| 08 May 2025 | Bernard Andrew Curran resigned as director | Companies House |
| 15 May 2025 | Michael Stuart Davies approved by the FCA at the firm | FCA Register |
| 30 Jun 2025 | Sherry Leigh Coutu approved by the FCA at the firm | FCA Register |
| 25 Aug 2025 | Mark Julian, Mr Gregory appointed director | Companies House |
| 31 Oct 2025 | Ian Adam Craston resigned as director | Companies House |
| 22 Jan 2026 | Angela Byrne approved by the FCA at the firm | FCA Register |
| 07 May 2026 | Arlene Cairns resigned as director | Companies House |
| 08 May 2026 | Nicolaos Andreas Nicandrou appointed director | Companies House |
Focused on the firm’s early history and the events leading up to and following its failure. 57 routine entries from its active years are omitted.
Who was involved?
The following individuals are listed on public records in connection with the firm. These are matters of public record only and their inclusion does not imply any wrongdoing by any named person.
- Jonathan Andrew Robert Peat. Listed on the FCA Register as having held SMF20a With-Profits Actuary (from 23/02/2023) at the firm.
- Sherry Leigh Coutu. Listed on the FCA Register as having held SMF12 Chair of the Remuneration Committee (from 30/06/2025) at the firm.
- Brid Meaney. Listed on the FCA Register as having held SMF4 Chief Risk (from 23/12/2024), SMF6 Head of Key Business Areas (21/12/2022 to 20/05/2024), SMF2 Chief Finance (21/12/2022 to 21/12/2022), SMF3 Executive Director (28/06/2022 to 23/12/2024) at the firm.
- Timothy Walter Harris. Listed on the FCA Register as having held SMF14 Senior Independent Director (from 25/08/2025), SMF11 Chair of the Audit Committee (from 21/12/2022), Director of firm who is not a certification employee or a SMF manager (01/05/2022 to 30/09/2022) at the firm.
- David Nicholas Woollett. Listed on the FCA Register as having held SMF16 Compliance Oversight (from 04/02/2025), SMF4 Chief Risk (16/02/2021 to 04/02/2025), CF11 Money Laundering Reporting (13/10/2011 to 07/03/2012), CF10 Compliance Oversight (06/04/2010 to 09/01/2017) at the firm.
- Yvonne Collins. Listed on the FCA Register as having held SMF17 Money Laundering Reporting Officer (MLRO) (from 29/09/2022) at the firm.
- Mark Julian Gregory. Listed on the FCA Register as having held SMF10 Chair of the Risk Committee (from 25/08/2025), SMF7 Group Entity Senior Manager (06/02/2025 to 25/08/2025) at the firm.
- Corinne Perkins. Listed on the FCA Register as having held SMF20a With-Profits Actuary (from 05/12/2024) at the firm.
- Michael Stuart Davies. Listed on the FCA Register as having held SMF15 Chair of With Profits Committee (from 15/05/2025) at the firm.
- Nicholas Stephen Leland Lyons. Listed on the FCA Register as having held SMF7 Group Entity Senior Manager (from 10/12/2018), SIMF7 Group Entity Senior Insurance Manager Function (31/10/2018 to 09/12/2018), CF2a Chair of the Nominations Committee (31/10/2018 to 09/12/2018) at the firm.
How can we help?
We take the weight of the complaint off your shoulders. We start with a free, no obligation chat, give you an honest early view of whether you have a case, and if you decide to go ahead we work on a no win, no fee basis. We handle the paperwork and put your case to the ombudsman, so you can get on with your life while we work to recover what you are owed.
How does it work?
It starts with a conversation. We listen to what happened, check who was responsible at the time and look at your paperwork, then explain your options in plain English. If there are grounds, we build the case and keep you updated at every stage. If we do not think you have a claim, or it is not successful, you do not pay us a penny.
Speak to us today
Cases like these can be time sensitive, so it is worth getting an expert view early. Call 0800 041 8359 or make an enquiry and one of our team will come back to you.
NB: the information on this page is drawn from public records held by the FCA Register, Companies House and the Financial Ombudsman Service. It is provided for general information, is factual and neutral, and makes no allegation against any named individual or firm. It is not advice, and no outcome is promised.
Review page sources: FCA Register (FRN 110418) · Companies House (01016269). Public records, provided for transparency.
