About Custodian Life

With today’s international investor in mind, we produce innovative products while making sure Clients’ assets are protected through segregated accounts.

This is what we do

One of the foundations of the success of Custodian Life has been the innovative and flexible approach adapted to product development. The Company’s guiding principle is to produce quality products with today’s international investor in mind. We recognize that while international Clients have different investment aims, a common set of principles exists and these have been the driving force behind our success to date:

  • Commitment to outstanding Client servicing
  • Highly secure and reputable company with sound financial backing
  • Competitive products

Custodian Life aims to provide superior long-term investment performance and a broad range of products to suit complex investment needs. So, whatever your investment needs, managing a sophisticated portfolio or simply saving for the future – you will find solutions here.

We are striving to be the best caretaker, the best guardian, and the best keeper and protector we can be for our Policyholders, Shareholders, Employees and Officers. We aim to govern with integrity. It comes from intrinsic core values, and a cognizant choice of service over self-interest. This philosophy underpins all that we do as a Company and we call it Custodial Leadership.

Core values

Our core values have been carefully composed to act as our inner compass and to guide us to make the best choices which will add value to our Clients. They define who we are, how we do things and ultimately what we believe in.

Transparent and fair

Investors of today demand increased transparency into cost, quality, and services delivered, and we see it as our mission to be one of the first insurance companies that actively work to be transparent into those. We want our Policyholders and Financial Advisers to have all the information required about how we do business, what type of fees and expenses may incur and what differences exist between various products.

It is our obligation to have an open management by making timely and accurate information available to our Policyholders and Financial Advisers, subject to valid privacy, confidentiality, security or other restrictions under existing law and policies. We also believe in the importance of doing the right thing and to distinguish right from wrong.

• We will represent our capabilities honestly and only make promises we can keep
• We will support and protect our Policyholders and Financial Advisers
• We will provide our Financial Advisers the vital intelligence they need to serve our Policyholders
• We will continually strive for transparency in all our review, monitoring, and decision-making process
• We will be accountable for our actions and take responsibility for our decisions

Outstanding service level

We believe that professional and fast response to our Clients and Financial Advisers differentiate us from our competitors, and is also one of the reasons they chose Custodian Life. We always strive to keep up the high level of service and continuously work on improving ourselves, where concrete inputs are most appreciated and help us keeping up the competitive edge.

We believe in the value of our people and we build our advantage through the commitment of every individual. Our staff is trained and well educated in order to give our Clients and Financial Advisers an efficient and professional service.

  • We will at all times ensure top quality in our communication
  • We will ensure swift and efficient service
  • We will continuously work on improvements by listening to our Clients and Financial Advisers



Being innovative is a key value and driving force for where Custodian Life is today. We are continuously developing our product as well as developing our high tech IT-facilities in order to be able to offer services attractive to both our Policyholders and Financial Advisers.

Innovation and smart solutions will also reduce the administrative work for us, and ultimately let us focus on what is important: our Clients and Financial Advisers.

• We will listen to our Clients’ and Financial Advisers’ suggestions and wishes
• We will have an open mind and always seek to improve our IT system and routines
• We will continuously seek the market for new opportunities


We see flexibility as a cornerstone and key value in Custodian Life. By being adaptive to Client needs we will ensure best possible service and outcome for all parties involved with the result of deep and profound understanding of our Clients and high degree of Client satisfaction. Any challenge will be dealt with by competent and skilled staff as well as resources once the challenges occur.

One of the main advantages being a small company is that we have designed the company to be highly responsive to market changes while our main competitors in general are stuck in traditional hierarchies with longer reaction times.


  • Resolve individual customer service issues on a case-by-case basis
  • Capture Client needs and market trends to create new functions and services
  • Being trend-sensitive and an early adapter of new demands
  • Short lead times from a query to a decision

Company information

Custodian Life is a young innovative company founded in 2011 where we detected a need in the market of a flexible mind-set and a challenging approach to the current regime. The choice of Bermuda as domicile came naturally as the legislation proved to be flexible, dynamic and where the Client security is high.


  • Custodian Life is incorporated and regulated in Bermuda  according to section 14 of the Companies Act 1981.
  • We are registered as an insurer under the Insurance Act 1978.
  • Custodian Life operates with the benefit of legally segregated accounts designed  to ensure that each Policyholder’s assets are insulated from the liabilities associated with all other Policyholders’ assets and which includes protection against both insolvency of any other Policyholder’s segregated account or of the Company itself.
  • The legal segregation of account is obtained by the Company’s registration under the Segregated Account Companies Act 2000.
  • We are conducting long-term insurance business offering whole of life insurance policies with unit-linked characteristics, which will provide a return, linked to an underlying portfolio in which Policyholders are able to allocate their premiums among a variety of investments funds.
  • The assets will be placed in separate accounts and, as the total return on the investment portfolio increases or decreases, the death benefit or Encashment Value of the whole of life policy may increase or decrease.

Custodian media

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Custodian Life | Century House, 16 Par-la-Ville Road, Hamilton HM 08, Bermuda |  backoffice@custodianlife.com
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