Certua Information

Certua Life is the first new protection-focused life insurer to be authorised in the UK in nearly twenty years. In its Pure Protection Market Study interim report, published January 2026, the FCA found that 72% of UK protection needs go unmet. Not because people don't need cover. Because the existing model was never designed to reach them. Digital platforms already reach these customers every day. Fintechs, mortgage providers, HR and payroll platforms, wealth managers. We embed life insurance directly into those platforms. Partners bring the customers and the trust. We handle everything in between. Authorised by the PRA and regulated by the FCA and PRA. Independently and privately funded. Technology designed and built in-house. certua.io