Utmost Life and Pensions is committed to making a positive difference. Our responsibility to our customers combines with a sense of responsibility in all our corporate actions to the environment, to our employees and to the wider society in which we operate in order to maximise the positive impacts we can create. As well as being an overall positive for the society, this also makes business sense in keeping with our long-term vision.

Sustainability Strategy

Our sustainability strategy is defined along four pillars, which are underpinned by policies and targets across the Group, recognising that sustainable business encompasses a range of topics.

An important aspect is in providing good customer outcomes. We seek to communicate transparently with our customers, provide good customer service and our proposition is continually assessed to ensure suitable outcomes.

We recognise the importance of our role as a long-term allocator of capital. Responsible investing is a key issue facing our industry and wider society, and an important factor to our customers when allocating funds. The Group takes its responsibility seriously and is committed to taking a pro-active approach to responsible investing.

Read more details about our approach to sustainability under each key pillar.


Our Mission

Utmost Life and Pensions is part of the wider Utmost Group, founded on the belief that all stakeholders are better served as part of an active and growing franchise. The provision of good customer outcomes remains front and centre of our strategy. Our overall purpose is to build a brighter future for our customers and better serve all stakeholders.

Utmost Life and Pensions is built upon the combined strengths of trusted sector expertise, secure financial foundations and commitment to customer focus, and is here to help every policyholder in our care achieve future peace of mind with their life and pension policies.

Customer Outcomes

In order to support our mission of providing good customer outcomes, Utmost Life and Pensions:

  • Provides good customer service and communicates openly and honestly with customers
  • Developing systems to support customers with the provision of data which helps them understand the Environmental, Social and Governance (ESG) scores of their investments. Utmost Life and Pensions is actively working to provide an additional sustainable investment option to our customers

Projected population ageing in our society has far-reaching implications including an increased requirement for individuals to provide for their own retirement. Our business is particularly sensitive to the relevance, needs and consequences of an ageing population and our solutions help support individuals in saving for their own retirement.

Customer Service

Our responsibility to our customers stretches throughout their lifetimes and in some cases through multiple generations. The provision of good customer outcomes is front and centre of our strategy. We look to provide good customer service at every stage of the customer journey. All our servicing is performed in-house so that we can maintain our high standards and controls and our customer service teams are continually focused on maintaining customer service excellence.

Our employees are committed to providing excellent levels of service through clear communications and ensuring our staff are appropriately trained and engaged to support our customers. Given the demographics of our client base, our staff are specially trained in dealing with vulnerable customers in order that they are treated appropriately and with empathy.


Utmost Life and Pensions recognise the importance of our role as a long-term allocator of capital, and we consider Environmental, Social and Governance (ESG) factors as part of our investment activity. Sustainable investing is a key issue for our industry and an important factor for our customers when allocating funds. We take our responsibility seriously and aim to make sustainable investment decisions, considering the sustainability impact of investment decisions on our clients, partners, employees and the wider society in which we operate.

Utmost Life and Pensions are committed to taking a pro-active approach to responsible investing. Our Responsible Investment policy sets out our commitments and is the cornerstone of our commitment to be net zero by 2050 in our shareholders assets. This commitment is aligned with a maximum temperature rise of 1.5 degrees above pre-industrial levels as outlined in the Paris Agreement. Achieving the targets set out in the Paris Agreement is vital to reduce the severity and impacts of climate change.

Responsible investing is a rapidly evolving area with new measures being developed and customer and societal expectations increasing over time. Our strategic approach to sustainable investing will be regularly reviewed in line with the Utmost Group’s sustainability strategy.


Utmost Life and Pensions has a responsibility to reduce its environmental impact and to protect the environment. Our business and our employees take this responsibility seriously.

As an insurance business, our environmental impact is lower than other industries. Nonetheless, we are committed to reducing and minimising the environmental impact of our operations and embedding a sustainable mind set into our corporate philosophy.

Our Carbon Footprint

Our business has delivered various initiatives in order to lower the carbon footprint of our offices. Across the Group, we are actively taking steps to reduce our initial carbon footprint, as well as supporting carbon reduction programmes.

Our Supply Chain

Within our supply chain, we look to work with select organisations which operate in line with our corporate philosophy and help us deliver our long-term vision. We promote the use of recycled materials and look to evaluate the environmental impact of any products we source as well as considering how they are disposed of in order to reduce our environmental impact.

We continue to take committed action to reduce our environmental impact. As the business continues to grow, we continue to identify ways to work more efficiently and reduce our impact further.

The Group is undertaking an exercise to identify areas where we can reduce our environmental impact and promote environmental awareness to our employees with a view to having a net zero carbon emissions operational footprint within 5 years.


Utmost Life and Pensions aims to make a positive difference to our employees, our customers and our communities.

Our Employees

Our employees are core to the success of the Company, both individually and collectively. It is an important priority of Utmost Life and Pensions that our employees enjoy a diverse and vibrant work environment which ensures they are fulfilled and committed.

An important focus is embedding our culture and values across our business. We want each employee to embrace our value of collaboration to make a positive difference, approaching their work with a motivated attitude. We want to create an environment where our people can achieve their aspirations and reach their full potential.

It is important we are viewed as an attractive place to work and sustain an environment where we can continue to attract and retain the best talent. Our HR team actively encourages internal mobility of our existing employees to offer career opportunities which enhance their skills and experience, as well as external hiring to enrich our skillset and provide fresh perspectives.

Diversity and Inclusion

Utmost Life and Pensions is committed to promoting equality and diversity. Our culture values difference and looks to our employees to embody our ethos of making a positive impact. We are committed to a policy of equal opportunity for our employees and continue to select, recruit, train and promote the best candidates based on suitability for the role.

We look to develop diversity throughout our organisation. One metric for measuring this is our gender split, which is monitored by the Board. Currently 55% of the Utmost Group employees are female and 45% are male.

We treat all employees and applicants equally and recognise people from every background and experience bring valuable insights to the workplace and enhance our organisation. Discrimination has no place at Utmost Life and Pensions and we engage with our employees, our partners and our local communities to promote equality and inclusivity.


Utmost Group, of which Utmost Life and Pensions is a part of is passionate about having a positive impact not only on the lives of its employees, but also on the communities in which it operates. Local initiatives include fundraising events for local charities selected by local staff, donation matching schemes and the availability of community support leave to help local organisations.

Utmost Challenge

The Utmost Challenge is an exciting part of Utmost Group’s community engagement programme. The Group has set up the Utmost Challenge to support its employees’ charitable giving, help us engage with the communities we work in and contribute towards them. Employees can apply for a donation to their chosen charity. To be selected for a donation, the employee must complete an outstanding challenge. The challenges which are selected are highly notable and have a significant “wow” factor i.e. the “utmost” achievement in their field.