Providing protection to SME’s has been the cornerstone of our business for over 20 years by developing and refining our solutions in response to changing customer needs in Group Life, Shareholder & Partnership Protection and Keyperson


Our Personal Protection solutions provide a wide range of cover through intermediary and affinity distribution partners. From simple level term assurance to serving niche distribution markets covering Expatriate, Wealth Management and Short Term risks


Lutine Lifestyles is our online employee benefits platform provided free of charge to Group Life scheme members including free online assessment, health & wellbeing offers and staff discounts. Lifestyles offers something for everyone with a wide range of discounts and special offers


Whilst competitive pricing is important, so is flexibility and an understanding of our client’s needs. I find the team at Lutine approachable and willing to go that extra mile in order to secure the most appropriate cover for my clients.

Premier Plus Limited Kevin Hull, Managing Director

I have worked with Lutine on a number of cases where there have been unusual requirements and they have always acted quickly, precisely and with a creative flair when required.  It’s important for me to work in partnership with an insurer who understands what you’re trying to achieve and whenever possible, helps you to fulfil your clients needs.

Aspira Corporate Solutions Ltd Daniel Lamb, Corporate Benefits Consultant

Our business is built on longstanding relationships, through providing expert financial advice to high net worth clients and their businesses. Working closely with the team at Lutine it’s clear they both understand our needs and our clients’ needs and work together with their intermediaries, appreciating that business covers are rarely standard.

Purple Wealth Management LLP Christopher J Handley, Partner

Lutine’s support enables us to provide a first class service to many of our corporate clients.  Simple solutions are delivered with quick underwriting decisions, accompanied by helpful, knowledgeable staff.

Rowanmoor Consultancy Limited Janet Bower, Administration Director
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About Lutine

Established in 1989, Lutine was created to act as a marketing, administration and service company for a consortium of Life syndicates at Lloyd’s of London. A founder member of the Managing General Agents Association (MGAA) Lutine remains committed to best practice and professionalism in sector in which coverholders manage some £5bn of premium. As a business we provide a wide range of individual and business protection based products to some of the largest insurance businesses in the United Kingdom helping to look after the interests of over 30,000 individuals.

Latest News

‘Mind the gap’

In a week where Cover magazine are focusing on financial well being, it’s worth considering the importance of maintaining and protecting our benefits, as our individual needs change in the short term. The lack of awareness and understanding around the need for short term Life Assurance (also known as stop-gap), has meant that unfortunately, some […]

Lutine turns 29

Born in 1989, along with a generation of millennials, Lutine is going to hit the ‘big 3-0’ this time next year. Almost thirty years providing business and personal protection through a constantly evolving network of professional intermediaries in a market sector which has seen many changes. It’s a relationship we’ll never take for granted and […]


Lutine launches Excepted Life Trust

Group Life provider Lutine, part of Direct Group, has launched an excepted life mastertrust to extend the range of services it provides to advisors. Andy Coles, Lutine business director, said the new service is in response to significant growth in excepted mastertrusts in recent years, and is part of Lutine’s “Your Life is Our Business” […]

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