Fronting

A procedure in which a primary insurer acts as the insurer of record by issuing a policy, but then passes the entire risk to a reinsurer in exchange for a commission. Often, the fronting insurer is licensed to do business in a state or country where the risk is located, but the reinsurer is not. The reinsurer in this scenario is often a captive or an independent insurance company that cannot sell insurance directly in a particular country.

Do you have old policies lying about? Perhaps it's a term or whole of life insurance, pension, endowment, bond or an annuity policy. Or do you receive statements for a policy which you are unsure about? Why not use Policy Detective to find the answers.

Which company now looks after your policy? Who can you contact about your policy? What do all those words and phrases on my policy document actually mean?

Policy Detective is a UK company for UK customers. We help you to track-down the Administrators for policies which you or your loved ones may have in the bureau or the attic. You never know how much money there could be in that old policy. It's not easy to find this information, as companies through time are taken-over, merge with other companies and even change their names. We can help you find the company which now deals with your policy. Some companies even allow us to check the status of your policy.