Review Time
After Utmost took over the company holding my investment, the service took a serious turn for the worse. There were a couple of mistakes in transferring monies into the wrong currencies early on and more difficulty in getting in contact to get information. In the end, however, they did make good on the losses incurred by their mistakes.
Getting information about surrender penalty charges and the ongoing charges after penalties was difficult. This is partly my fault for not understanding that they were going to continue charging me for "managing" parts of the policy that had been surrendered in full - I should have looked at the small print! However, the information that they sent via my financial advisor had fee lines that had different descriptions from the lines in my statements making it difficult to follow!
My main take-away is to check the small print, and in this case, it would have been better to open separate investment instruments rather than topping up a single one, as that would have allowed me to have closed each down and stop incurring fees
After Utmost took over the company holding my investment, the service took a serious turn for the worse. There were a couple of mistakes in transferring monies into the wrong currencies early on and more difficulty in getting in contact to get information. In the end, however, they did make good on the losses incurred by their mistakes.Getting information about surrender penalty charges and the ongoing charges after penalties was difficult. This is partly my fault for not understanding that they were going to continue charging me for "managing" parts of the policy that had been surrendered in full - I should have looked at the small print! However, the information that they sent via my financial advisor had fee lines that had different descriptions from the lines in my statements making it difficult to follow!My main take-away is to check the small print, and in this case, it would have been better to open separate investment instruments rather than topping up a single one, as that would have allowed me to have closed each down and stop incurring fees
I am not at all happy that I now have to use an Authenticator app to access my bond. I cannot find how to use this and your website merely asks to click the app below when there isn’t one!Your staff are extremely helpful but I am disappointed that I now have to either phone or email each month to get a current valuation .
I had an account with a company that utmost has aquired. The service from this company was very slow, so i initiated a move. When Utmost bought this company, I decided to complete the move anyway. My account is under Norwegian Law and I am allowed to transfer my assets rather than cash. This removes a big market risk, and at a time with a US president creating market volatility I wanted to transfer my assetts rather than cash. Utmost can do so, but refuses to do so based on company policy. I therefore asked how long the transfer of cash would take, and the answer in writing was up to a month. As the market risk in this operation is currently high - I am staying with Utmost for the time being. But I am not impressed. Will leave as soon as conditions allow. I have read many of the reviews on this site. Utmost has been polite and responded quickly to my questions. This is where the positive reviews lie. When it comes to the important issues that materially affect wealth the experiences are in my opinion predominantly poor . As is my experience . Beware!!!
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Utmost is a leading global provider of insurance-based wealth solutions, trusted by over 190,000 global clients and managing more than £100bn in assets across our hubs in Ireland, Isle of Man, Guernsey, and Luxembourg.
We specialise in providing secure, flexible and internationally robust unit-linked solutions, that help our clients manage, preserve, and pass on their wealth. We are independently rated A+ by Fitch Ratings*, indicating our ability to protect our clients wealth over time.
We are committed to delivering clarity, confidence, and high-quality service at every stage of our customer’s journey.
*Insurance Financial Strength rating reaffirmed for our four rated insurance companies in October 2025.
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