Ideally located

Ideally located

Our Guernsey location enables us to provide you with the maximum level of wealth protection whilst operating within a highly regulated environment

Precision knowledge

Precision knowledge

However you want to protect your future, you can be sure that the solutions we provide are both safe and secure

Insurance Services

Life Insurance and Annuities are being used increasingly as international wealth and tax management tools, either in conjunction with or as substitutes for conventional international trusts and companies.

While standard form solutions are available, policies are generally individually tailored for each client. Every policy is designed to offer compliance and tax effectiveness while providing security of the policy assets and substantial flexibility in the choice of investments, asset managers and other service providers.

Cogent owns interests in Lighthouse Capital Insurance Company and US Commonwealth Life, licensed and regulated insurance companies providing a variety of insurance strategies for mainly wealthy private clients.

Lighthouse is established in the Cayman Islands and offers services to a broad range of international clients; while US Commonwealth is an 'onshore' insurer serving primarily US clients.

Both companies offer not only the flexibility in the design of their products and the expertise of their 'team'; but also substantial security through segregated account laws and a 'Best in Class' infrastructure using the services of recognised industry leaders, such as Aon, Hannover Re and KPMG.

Details of the insurance services available may be obtained from Cogent and by visiting the Lighthouse website at: www.lighthousecapitalinsurance.com