Cignpost Life insurance: what happened and who looks after policies now
What happened to Cignpost Life, who looks after its life insurance and critical illness plans now, and how to contact it or make a claim.
- New policies
- Not available
- Cignpost Life website
- Insurer
- iptiQ Life S.A., UK Branch
- Issues, underwrites and administers plans
- Customer service and claims
- 0330 123 3747
- Cignpost Life, for existing customers
- Arranged by
- Albany Park Limited
- Now Regent Financial Network Limited
In a nutshell
Cignpost Life sold term life insurance and critical illness cover that you could buy online. Its website now says it is unable to offer new customer policies, and tells existing customers that their cover is still in place.
- Cignpost Life was a trading style of Albany Park Limited, an insurance intermediary authorised by the Financial Conduct Authority. The plans themselves are issued, underwritten and administered by iptiQ Life S.A. UK Branch.
- For help with a policy or to make a claim, Cignpost Life asks existing customers to call 0330 123 3747 or email customerservices@cignpostlife.co.uk.
- Albany Park Limited has since been renamed twice and is now Regent Financial Network Limited. The FCA register still lists Cignpost Life as one of its trading names, alongside SignpostMe, a health insurance brand.
- A Cignpost Life plan has no cash value at any time, and the plan is cancelled if premiums stay unpaid.
About Cignpost Life
Cignpost Life sold life insurance online. It said it was created to give people a quicker, simpler way to buy life insurance. Its term life application asked 5 yes/no medical history questions, with 5 more if you added critical illness cover.
- Brand
- Cignpost Life
- Arranged by
- Albany Park Limited, company number 04296341
- FCA register number
- 304130
- FCA trading name
- Cignpost Life, listed since 19 October 2017 and still current
- Insurer
- iptiQ Life S.A., UK Branch (FCA number 627329)
- Products
- Cignpost Term Life and Cignpost Critical Illness
- Website
- cignpostlife.co.uk
Cignpost Life was a trading style of Albany Park Limited (company number 04296341), which the Financial Conduct Authority authorised to act as an insurance intermediary under Financial Services Register number 304130. At the time, Albany Park Limited was part of the Inchora Group of companies. The FCA register has listed Cignpost Life as a trading name of this firm since 19 October 2017.
Cignpost Life was not the insurer. It could offer only term life and critical illness products underwritten and administered by iptiQ Life S.A. UK Branch, and it acted on behalf of that insurer. It did not give advice on whether a plan suited your circumstances.
iptiQ Life S.A. is a Luxembourg company regulated there by the Commissariat aux Assurances. Its UK branch is registered in England and Wales under number BR017015, at 30 St Mary Axe, London. iptiQ describes itself as a digital B2B2C insurance company that creates life and health insurance products which can be marketed and sold under partners’ own brands.
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What happened to Cignpost Life?
Cignpost Life is not selling new plans. Its website says it is currently unable to offer new customer policies, and that existing customers’ cover is still in place.
Archived copies of the website show roughly when this changed. In September 2022 the homepage still offered life cover to buy online. By 31 March 2024 it said Cignpost Life was unable to offer new customer policies.
At that point, the website suggested that anyone wanting to discuss life insurance request a call back from its sister company, Albany Park.
Albany Park Limited, the firm behind the Cignpost Life brand, was renamed Cignpost Advised Limited on 27 November 2024 and Regent Financial Network Limited on 4 August 2026. Companies House shows the company as active, and the FCA register shows it as authorised under the same number, 304130, with cignpost.com listed as its website. The FCA register still lists Cignpost Life among the firm’s current trading names.
Regent Financial Network Limited also trades as SignpostMe, a health insurance brand. The Cignpost Life website still suggests that anyone wanting to talk about life insurance contact the team at Cignpost, but its links to cignpost.com now lead to SignpostMe: the life insurance link goes to SignpostMe’s health cover page for individuals, and the contact link to SignpostMe’s contact page.
The Cignpost Life website still says that Cignpost Life is underwritten by iptiQ, shown by iptiQ’s logo. The insurer, iptiQ Life S.A., UK Branch, is still listed as authorised on the FCA register, and Companies House shows its UK branch as open, with life insurance as its type of business.
- New customer policies
- Not available
- Existing cover
- Still in place, says Cignpost Life
- Insurer
- iptiQ Life S.A., UK Branch, authorised since 27 May 2022 (FCA register)
- Albany Park Limited now
- Regent Financial Network Limited; current trading names include Cignpost Life and SignpostMe
- FCA status of firm 304130
- Authorised
Website, Companies House and FCA register details checked on 3 October 2026; they may have changed since.
Cignpost Life history
-
2001
The company that later becomes Albany Park Limited is incorporated on 1 October (company number 04296341).
-
2004
The firm now registered under FCA number 304130 is authorised on 31 October.
-
2017
On 18 January, the company is renamed Albany Park Limited. From 19 October, the FCA register lists Cignpost Life as one of its trading names.
-
2022
The FCA register shows iptiQ Life S.A., UK Branch, the insurer behind Cignpost Life plans, as authorised from 27 May. In September, Cignpost Life’s homepage still offers life cover to buy online.
-
2024
By 31 March, the website says Cignpost Life is unable to offer new customer policies. On 27 November, Albany Park Limited is renamed Cignpost Advised Limited.
-
2026
From 29 June, the FCA register lists SignpostMe as a trading name of the firm. On 4 August, Cignpost Advised Limited is renamed Regent Financial Network Limited.
Existing Cignpost Life policies
If you have a Cignpost Life plan, Cignpost Life says your cover is still in place. The plan is issued, underwritten and administered by iptiQ Life S.A. UK Branch, and the plan terms describe it as your contract with iptiQ.
Cignpost Life sold two products. Cignpost Term Life pays a lump sum if you die or are diagnosed with a terminal illness during the term, and Cignpost Critical Illness cover could be added to a plan. Cover could be level, increasing or decreasing, on one life or two.
Cignpost Critical Illness cover could be up to £100,000, and to claim you must survive at least 28 days after diagnosis. It also covers your children from 30 days old until their 18th birthday (21st if they are in full-time education), paying the lower of £25,000 or 50% of your critical illness cover amount. A joint plan pays out on the first claim and then ends.
Premiums are paid monthly by direct debit for the life of the plan. If premiums stay unpaid, the plan is cancelled, but it can be restarted within two months if all the missed premiums are paid and no claim has been made.
The plan has no cash value at any time. You can cancel it whenever you like: if you cancel within 30 days of receiving it, the premiums you paid are refunded, but if you cancel later you get no money back. You can reduce your cover amount during the term, as long as the premium stays above the minimum.
The terms ask you to say if you change your name, address or bank details or move abroad, and say you will get at least 30 days’ notice of any change the insurer decides to make to your plan.
If your plan is in trust, a payout on your death goes to the trustees. If it isn’t, it is paid into your estate once your family has obtained probate (or confirmation in Scotland).
The key features say the Financial Services Compensation Scheme covers the plans.
- Insurer
- iptiQ Life S.A., UK Branch
- Term life when sold
- Ages 18 to 54, terms of 5 to 40 years ending by age 64, cover up to £250,000
- Critical illness when sold
- Ages 18 to 49, cover ending by age 59, up to £100,000
- Minimum premium
- £5 a month for term life cover
- Customer service
- Cignpost Life, 0330 123 3747
- Cash value
- None
- Missed premiums
- Plan cancelled; can be restarted within two months
- FSCS
- Covers the plans, say the key features
- Find your Plan Schedule. It names the plan owners and shows who is covered, the options chosen, the cover amount, the start and end dates and the premiums.
- Have your plan number ready. The plan terms say it helps to give it when you get in touch.
- Check your bank statements. Premiums are collected monthly by direct debit, so a statement can show the payment if you have lost your paperwork.
- Ask Cignpost Life customer services. Call 0330 123 3747 or email customerservices@cignpostlife.co.uk.
- Tell your family where your documents are. The plan terms ask you to, and Cignpost Life suggested forwarding your policy confirmation email to your loved ones.
If you are looking for a policy taken out by someone who has died, our guide to lost life insurance policies explains the usual ways to trace one.
Contacting Cignpost Life and making a claim
Cignpost Life’s website asks existing customers to contact it for help with a policy or to make a claim. The number it gives, 0330 123 3747, is the one the plan terms give for contacting the insurer: in those terms, “We” and “Us” mean iptiQ Life S.A., UK Branch.
To claim, contact the Customer Service team as soon as you can. Cignpost Life’s claims page said that after your first call the team sends out a claim form to complete, and that a claim generally takes one month or less, depending on how complex it is and how quickly the documents arrive.
To start, the claims team needs the claimant’s name, the policy reference and details of the claim. Depending on the claim, the insurer may also ask for a birth, marriage or death certificate, proof of identity and entitlement, and medical evidence. It pays the reasonable cost of any medical reports it asks for, and may ask to see the grant of representation (or confirmation in Scotland) before it settles a claim.
If Cignpost Life learns that a policyholder has died, its claims page said it would try to contact their loved ones about making a claim.
Complaints go to the same Customer Service team. If you’re not satisfied with the outcome, the plan documents say you can refer your complaint to the Financial Ombudsman Service. iptiQ also tells UK customers to look in their policy documents, or on the partner’s website, for how to complain.
- Customer service and claims phone
- 0330 123 3747
- Post
- Freepost Cignpost Life Customer Service
- Financial Ombudsman Service
- 0800 023 4567
Our guide to life insurance claims explains how a claim usually works.
Contact details are from Cignpost Life’s website, checked on 3 October 2026, and the Financial Ombudsman Service number is from iptiQ’s UK complaints page, checked the same day. The claims page and plan documents quoted here are archived copies from 2022 to 2024.
Cignpost Life reviews and ratings
Trustpilot’s page for cignpostlife.co.uk had no reviews when we checked on 3 October 2026.
| Review site | Rating | What it means |
|---|---|---|
| Trustpilot | No reviews | Trustpilot’s cignpostlife.co.uk page showed 0 reviews. View on Trustpilot (opens in a new tab) |
Cignpost Life policy documents
These are archived copies, kept by the Internet Archive, of the key features and terms and conditions Cignpost Life published. Your own Plan Schedule shows the details of your plan.
-
Key features: Cignpost Term Life and Cignpost Critical Illness (opens in a new tab)
The plan summary: who could apply, cover limits, what’s included, and how to claim or complain.
-
Terms and conditions: Cignpost Term Life and Cignpost Critical Illness (opens in a new tab)
The full plan terms, including the critical illness definitions.
Copies captured on 20 April 2024. Your plan may have been issued on an earlier version of these documents.
Looking for new life cover?
Cignpost Life is unable to offer new customer policies, so you can’t take out a new Cignpost Life plan. The cignpost.com links on its website now lead to SignpostMe, which sells health insurance.
If you need more cover, or cover for longer, compare policies from insurers selling today. It usually makes sense to keep your existing plan until a new one has started, so you are not left without cover in between.
The guides below explain the main types of cover, and our insurer reviews cover companies selling life insurance today.
Guides to life cover
- Term life insurance: Cover for a set number of years, with level or decreasing cover.
- Critical illness cover: A lump sum on diagnosis of a serious illness your policy covers.
- Over 50s life insurance: Guaranteed acceptance for ages 50–85, and what to check before you buy.
Insurer reviews
- All insurer reviews: plain-English reviews of UK life insurers, listed alphabetically
Cignpost Life FAQs
No. Cignpost Life’s website says it is currently unable to offer new customer policies.
Cignpost Life tells existing customers that their cover is still in place. Premiums are paid monthly by direct debit for the life of the plan, and the plan is cancelled if they stay unpaid.
iptiQ Life S.A. UK Branch issues, underwrites and administers Cignpost Life plans. It is the UK branch of iptiQ Life S.A., a Luxembourg company regulated by the Commissariat aux Assurances, and the FCA register lists it as authorised under number 627329.
Call Cignpost Life customer services on 0330 123 3747, email customerservices@cignpostlife.co.uk or write to Freepost Cignpost Life Customer Service. Every claim needs a completed claim form, which the claims team sends out after your first call.
0330 123 3747. Cignpost Life gives this number to existing customers who need help with a policy or want to make a claim.
Albany Park Limited, the firm behind the Cignpost Life brand, was renamed Cignpost Advised Limited in November 2024 and Regent Financial Network Limited in August 2026. It is still authorised under FCA number 304130, and the FCA register lists Cignpost Life and SignpostMe among its current trading names.
They are names used by the same firm. The FCA register lists both Cignpost Life and SignpostMe as current trading names of Regent Financial Network Limited (FCA number 304130), the firm previously called Albany Park Limited. SignpostMe sells health insurance. For help with a Cignpost Life plan, use the Cignpost Life customer service contacts.
Companies House shows a company, number 10536551, that was called Cignpost Life Limited from August 2020 to October 2022, when it became Albany Park Life Limited. It filed dormant company accounts for the years to March 2020, 2021, 2022 and 2023, and was dissolved by voluntary strike-off on 2 July 2024.
The Cignpost Life plan documents name a different company, Albany Park Limited (company number 04296341), as the firm that arranged the plans, and iptiQ Life S.A. UK Branch as the insurer.
No. The plan terms say a Cignpost Life plan doesn’t have a cash value at any time.
In 2024, Cignpost Life’s website said it was not associated with the group of companies owned by Cignpost Investments.
Contact Cignpost Life customer services on 0330 123 3747 or at customerservices@cignpostlife.co.uk. Its claims page said that if it learns a policyholder has died, it tries to contact their loved ones about a claim.
Our guide to lost life insurance policies explains other ways to trace a policy.
Sources
The facts on this page come from these sources.
- Cignpost Life / iptiQ Life S.A. UK Branch (archived by the Internet Archive Wayback Machine) — Key Features for Cignpost Term Life & Cignpost Critical Illness: Plan Summary (UK/TL/KF/0002/1022), archived copy (opens in a new tab), web.archive.org, accessed 3 October 2026.
- Cignpost Life (archived by the Internet Archive Wayback Machine) — Cignpost Life homepage, archived copy of 8 September 2022 (Internet Archive) (opens in a new tab), web.archive.org, accessed 3 October 2026.
- Cignpost Life — Cignpost Life homepage (current) (opens in a new tab), cignpostlife.co.uk, accessed 3 October 2026.
- Cignpost Life / iptiQ Life S.A. UK Branch (archived by the Internet Archive Wayback Machine) — Terms & Conditions for Cignpost Term Life & Cignpost Critical Illness, archived copy (opens in a new tab), web.archive.org, accessed 3 October 2026.
- Companies House — REGENT FINANCIAL NETWORK LIMITED (formerly Albany Park Limited and Cignpost Advised Limited), company number 04296341: overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Financial Conduct Authority — Financial Services Register: REGENT FINANCIAL NETWORK LIMITED (304130), trading names (current names and first page of previous names) (opens in a new tab), register.fca.org.uk, accessed 3 October 2026.
- SignpostMe (Regent Financial Network Limited) — About SignpostMe (opens in a new tab), signpostme.com, accessed 3 October 2026.
- SignpostMe (Regent Financial Network Limited) — SignpostMe health cover for individuals and families (the page cignpost.com/our-products/life-insurance now redirects to) (opens in a new tab), signpostme.com, accessed 3 October 2026.
- Financial Conduct Authority — Financial Services Register: REGENT FINANCIAL NETWORK LIMITED, firm reference number 304130 (opens in a new tab), register.fca.org.uk, accessed 3 October 2026.
- Cignpost Life (archived by the Internet Archive Wayback Machine) — About us (Cignpost Life), archived copy of 1 July 2022 (Internet Archive) (opens in a new tab), web.archive.org, accessed 3 October 2026.
- Financial Conduct Authority — Financial Services Register: IPTIQ LIFE S.A., UK BRANCH, firm reference number 627329 (opens in a new tab), register.fca.org.uk, accessed 3 October 2026.
- iptiQ (Swiss Re) — Welcome to iptiQ (opens in a new tab), iptiq.com, accessed 3 October 2026.
- Cignpost Life (archived by the Internet Archive Wayback Machine) — Cignpost Life homepage, archived copy of 31 March 2024 (Internet Archive) (opens in a new tab), web.archive.org, accessed 3 October 2026.
- SignpostMe (Regent Financial Network Limited) — Where the cignpost.com links on the Cignpost Life website now lead (HTTP status and location headers) (opens in a new tab), cignpost.com, accessed 3 October 2026.
- Companies House — IPTIQ LIFE S.A., UK BRANCH, UK establishment number BR017015: overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Cignpost Life (archived by the Internet Archive Wayback Machine) — Claims information (Cignpost Life), archived copy of 20 April 2024 (Internet Archive) (opens in a new tab), web.archive.org, accessed 3 October 2026.
- iptiQ (Swiss Re) — Complaints Life Insurance: United Kingdom (iptiQ) (opens in a new tab), iptiq.com, accessed 3 October 2026.
- Trustpilot — Cignpostlife reviews (Trustpilot) (opens in a new tab), uk.trustpilot.com, accessed 3 October 2026.
- Companies House — ALBANY PARK LIFE LIMITED (formerly Cignpost Life Limited), company number 10536551: overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Companies House — ALBANY PARK LIFE LIMITED (formerly Cignpost Life Limited), company number 10536551: filing history (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.