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
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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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