Policyholder protection

The products listed in this section are issued by CMI Insurance Company Limited, an Isle of Man authorised insurance company supervised by the regulatory authorities in the Isle of Man. Its policyholders enjoy the protection of the Isle of Man Life Assurance (Compensation of Policyholders) Regulations 1991. The Isle of Man scheme covers up to 90% of the liability due to the policyholder in the unlikely event that CMI Insurance Company Limited would not be able to meet its obligations. Holders of policies issued by CMI Insurance Company Limited will not be protected by the United Kingdom’s Financial Services Compensation Scheme if the Company should become unable to meet its liabilities to them.

The Isle of Man holds an S&P rating of 'AAA' as a financial jurisdiction.

The Isle of Man was the first jurisdiction to gain Designated Territory Status under the UK Financial Services Act 1986. This means that the UK regulatory authorities accept that in the principal areas of investor protection and regulation, the Isle of Man standards are at least equivalent to those in the UK. Isle of Man based insurance companies, such as CMI Insurance Company Limited, are permitted to market their products in the UK. This marketing is undertaken by Clerical Medical Financial Services Limited which is authorised and regulated by the Financial Services Authority.

For more detailed information please see our sales aid Investor protection and your offshore bond.

CMI Insurance Company Limited and Clerical Medical Financial Services Limited are part of the Lloyds Banking Group.

Please see our legal and privacy statements.
Issued by: CMI Insurance Company Limited Clerical Medical House, Victoria Road, Douglas, Isle of Man IM99 1LT, British Isles, Registered in the Isle of Man, Registered No. 33520. CMI Fund Managers (IOM) Limited Clerical Medical House, Victoria Road, Douglas, Isle of Man IM99 1LT, British Isles, Registered in the Isle of Man, Registered No. 40572. Telephone: +44 (0)1624 638888. Fax: +44 (0)1624 625900. CMI Fund Managers (IOM) Limited is licensed by the Financial Supervision Commission of the Isle of Man. Approved by Clerical Medical Financial Services Limited, 33 Old Broad Street, London EC2N 1HZ, United Kingdom. Registered No. 2114901. Clerical Medical Financial Services Limited is authorised and regulated by the Financial Services Authority for the protection of investors, whose rules and regulations are made under the Financial Services and Markets Act 2000 and apply only to investment business. ©Copyright CMI Insurance Company Limited 2008.