FORESTER LIFE LIMITED
Operating under the Foresters Financial brand, the company acts as the principal UK life insurance and investment subsidiary of the Canadian fraternal benefit society The Independent Order of Foresters, providing products including pensions and unit-linked investments.
Get an alert when FORESTER LIFE LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
—
Latest balance sheet
Net assets
£160m
+6.3% highest in 3 filed years
Employees
417
+3.7% highest in 3 filed years
Profit before tax
£30m
+43.6% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | — | — | — | — | |
| Net earned premiums | — | £10,048,000 | £10,264,000 | +2.1% | |
| Claims incurred | — | £5,299,000 | £4,441,000 | -16.2% | |
| Investment return | £473,740,000 | £539,243,000 | £766,289,000 | +42.1% | |
| Profit before tax | £25,394,000 | £21,193,000 | £30,426,000 | +43.6% | |
| Net profit | £19,670,000 | £12,815,000 | £19,065,000 | +48.8% | |
| Insurance contract liabilities | £364,090,000 | £343,063,000 | £335,939,000 | -2.1% | |
| Total assets | £5,474,171,000 | £5,660,442,000 | £6,021,391,000 | +6.4% | |
| Total liabilities | £5,325,771,000 | £5,510,234,000 | £5,861,750,000 | +6.4% | |
| Equity | £148,400,000 | £150,208,000 | £159,641,000 | +6.3% | |
| Average employees | 190 | 402 | 417 | +3.7% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 97.3% | 97.3% | 97.3% |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- FORESTER LIFE LIMITED 1995-01-11 → present
- 3022ND SINGLE MEMBER SHELF TRADING COMPANY LIMITED 1994-12-02 → 1995-01-11
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having considered the position at the date of the Statement of Financial Position and its results, future prospects and risk profile, the Board has a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. Accordingly, management continues to adopt the going concern basis in preparing the annual financial statements.”
Significant events
- “In 2025, the deficit on our defined benefit pension schemes reduced materially to a deficit of £7,000 (2024: deficit of £1,451,000) due to ongoing contributions by the Company into the scheme as well as strong investment returns on scheme assets.”
- “In keeping with recent years, a £10m dividend was paid to the parent company.”
- “Key to the Company's long-term strategy is the retention of matured CTF customers. As the CTF customers turn 18 and become eligible to access their savings, the Company aims to support them through their maturity journey. This year we have worked on improving the propositions for our CTF customers so that they can seamlessly continue their investment journey into adulthood.”
- “During 2021, the Company became a Limited Partner in Social Supported Housing Partnership, committing to invest £10,000,000 in the development of social supported housing in the UK. See Note 13 for further details on the investment. As of 31 December 2025, the total amount drawn on the commitment was £9,664,000 (2024: £9,194,000).”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ALLFORD, Simon John | Secretary | 2024-04-24 | — | — |
| AUDHLAM-GARDINER, Nicola Cielle | Director | 2022-09-12 | Oct 1970 | British |
| CLARKSON, Alastair James | Director | 2021-12-01 | Feb 1966 | British |
| FRAME, Andrew Joseph William | Director | 2023-01-16 | May 1980 | British |
| LABOVITCH, Emanuele | Director | 2021-12-01 | Apr 1965 | British |
| TAYLOR, Jonathan Paul | Director | 2021-12-01 | Apr 1966 | British |
| WICHARY, Steven John | Director | 2024-10-01 | Nov 1969 | British |
| ZANIN, René | Director | 2025-02-04 | Jul 1971 | Canadian |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ALLFORD, Simon John | Secretary | 2013-05-28 | 2014-01-10 |
| EDWARDS, Malcolm Andrew | Secretary | 2006-11-09 | 2013-05-28 |
| FLANAGHAN, Amanda Lee | Secretary | 2023-04-05 | 2024-04-24 |
| GILLESPIE, John Francis | Secretary | 1996-06-18 | 2006-11-09 |
| ROSE, Jason Christopher | Secretary | 2014-01-10 | 2021-11-30 |
| SISEC LIMITED | Corporate Secretary | 2021-12-27 | 2023-03-31 |
| SISEC LIMITED | Corporate Nominee Secretary | 1994-12-02 | 1996-09-24 |
| ALLISON, Euan Thomas | Director | 1998-09-02 | 2021-08-06 |
| BLOOM, Bernard Edwin | Director | 2000-06-07 | 2013-04-03 |
| BOLTON, Michael John | Director | 2013-04-18 | 2015-07-23 |
| CHRISTOPHERS, Michael | Director | 1998-09-02 | 2021-12-31 |
| COWAN, John | Director | 2006-11-09 | 2009-11-06 |
| DUNN, Colette Ann Mawell | Director | 2021-12-01 | 2024-09-30 |
| EARWAKER, Ronald | Director | 1997-07-29 | 2000-01-05 |
| FREEBOROUGH, Richard Malcolm | Director | 2014-07-01 | 2017-07-01 |
| FYLES, Geoffrey Brian | Director | 1996-06-01 | 1998-09-08 |
| GARCIA, Anthony Michael | Director | 2014-11-20 | 2017-07-27 |
| GIFFEN, Sharon Thaxter | Director | 2009-11-06 | 2012-10-18 |
| GILLESPIE, John Francis | Director | 1998-09-02 | 2009-04-03 |
| GODFREY, Gemma Claire | Director | 2021-12-01 | 2024-07-26 |
| GRANVILLE, Michael Robert | Director | 2009-11-06 | 2018-05-03 |
| HAIGHT, Lynn Janice | Director | 2005-04-20 | 2009-11-06 |
| KIRKLAND, Nicholas Charles | Director | 2015-01-27 | 2015-07-23 |
| KITTS, Arno | Director | 1995-05-23 | 1997-07-29 |
| LAMOUREUX, Robert Edward | Director | 2018-03-20 | 2021-06-12 |
| MACALLAN, Alexander Thomas | Director | 2001-11-01 | 2004-03-04 |
| MCAUSLAND, Graeme Stewart | Director | 2013-04-03 | 2013-12-13 |
| MOHACSI, George Stephen | Director | 2005-08-08 | 2014-07-01 |
| PILIPOVIC, Latinka | Director | 2022-01-28 | 2022-09-01 |
| REABURN, Paul Douglas | Director | 2012-11-15 | 2018-10-30 |
| ROBINSON, David Gordon | Director | 2018-01-15 | 2023-12-31 |
| ROBINSON, Peter James, Mr. | Director | 1998-09-02 | 2013-04-03 |
| SHARMA, Alvin | Director | 2021-06-28 | 2025-02-04 |
| VALIQUETTE, William John | Director | 1995-05-23 | 2005-07-22 |
| WARBURTON, Clive Godfrey | Director | 1996-04-01 | 2005-09-08 |
| WEDDLE, James Andrew | Director | 1995-05-23 | 1996-04-11 |
| WHITE, John Douglas Michael | Director | 1998-09-02 | 2004-10-28 |
| YOUNG, John Todd | Director | 2013-07-01 | 2022-12-31 |
| LOVITING LIMITED | Corporate Nominee Director | 1994-12-02 | 1995-05-23 |
| SERJEANTS' INN NOMINEES LIMITED | Corporate Nominee Director | 1994-12-02 | 1995-05-23 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Forester Holdings (Europe) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 196 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-12 | AA | accounts | Accounts with accounts type full | |
| 2026-03-17 | CH01 | officers | Change person director company with change date | |
| 2025-12-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-23 | AA | accounts | Accounts with accounts type full | |
| 2025-02-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-12 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-07 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-17 | AA | accounts | Accounts with accounts type full | |
| 2024-08-01 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-23 | AUD | auditors | Auditors resignation company | |
| 2024-06-10 | AUD | auditors | Auditors resignation company | |
| 2024-05-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-05-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-29 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-04-19 | AA | accounts | Accounts with accounts type full | |
| 2023-03-31 | TM02 | officers | Termination secretary company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.