Founded in 2001, London & Colonial Assurance PCC PLC (LCA) is a Gibraltar-based public limited company under Protected Cell Company (PCC) law, providing flexible annuity and investment bond solutions for UK tax resident clients.
Our products have been designed for strategic distribution partners and UK-regulated financial advisers supporting clients who want flexible retirement income and investment choice.
Unit-linked solutions designed to provide greater flexibility than conventional structures, alongside wealth management.
Strong policyholder protections through LCA’s Protected Cell Company structure and, for eligible UK sales, FSCS protection for ‘protected contracts of insurance’.
LCA International Bond is suitable for mid-high net worth clients who do not need access to their investments over the medium to long-term for a minimum of 7 years.
Gibraltar, a British overseas territory, is located at the southern tip of the Iberian Peninsula of mainland Europe and is the home of LCA.
It is a self-governing well-regulated financial centre with robust regulatory standards.
The Gibraltar Financial Services Commission (GFSC) is the local supervisory body responsible for monitoring the financial services industry.
The GFSC continues to provide support and regularly collaborates with the industry as well as closely mirroring the regulatory regime in the UK.
The Financial Action Task Force, the global anti-money laundering watchdog, also recognises Gibraltar as a responsible and transparent financial centre, dedicated to upholding the highest standards of compliance with its international obligations.
At LCA, we build strong partner relationships through clear processes, technical expertise and responsive support. Our focus is simple: to help partners work efficiently, service clients well and grow with confidence.
We make onboarding straightforward, with clear due diligence, implementation support and product training to help partners implement efficiently.
We provide pre-sale technical support and case guidance to help advisers structure solutions with clarity and confidence.
Approved Platforms and DFMs giving partners broader flexibility within a well-governed framework.
Partners have dedicated contacts for new business and servicing, with clear escalation routes when needed.
Regular reviews help keep relationships aligned, performance visible and service standards high.
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