Financial Institutions used by Tower of London Worldwide


Hansard focus exclusively on developing, providing and supporting financial solutions for international clients. Theirs are life assurance 'wrapped' products that qualify for favourable tax treatment, and can be configured to suit specific investment objectives. The efficiency and flexibility of their products make them ideal as secure long term investments which independent financial advisors and financial institutions can offer to their clients. Hansard started operating as a life assurance company in the UK over 40 years ago. Since then, they have become an international enterprise and have shown steady growth. In December 2006, they became listed on the London Stock Exchange.

Innovation, stability, integrity, a strong management team ethos and dedication to excellence in customer service are core elements in the Hansard approach whether they come from the Isle of Man or Dublin.

Goldman Sachs

Goldman Sachs commits people, capital and ideas to help clients, shareholders and the communities we serve to grow. Goldman Sachs transacts in all key financial markets, including equities, bonds, currencies and commodities. Goldman Sachsdevelops ideas and analysis that drive new perspectives, new products and new paths to growth.

The company provides investment management services and offer investment products across all major asset classes to a diverse set of institutional and individual clients. Goldman Sachs also offers portfolio management to high-net-worth individuals.

Morgan Stanley

Since 1935, Morgan Stanley has continually broken new ground in providing new opportunities for individual and institutional investors; advising clients on strategic transactions; and in pioneering the global expansion of finance and capital markets.

With access to the full scope of services and resources, Morgan Stanley aims to first understand your needs and then help you develop the financial strategies that can satisfy them-today and over the long term. Morgan Stanley is multi-faceted collaboration with powerful capabilities such as: respected investment research, high-quality debt and equity offerings, securities trading and asset management expertise, financial tools and teams of specialists.

JP Morgan

J.P. Morgan is a leader in financial services, offering solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. JP Morgan has been helping clients do business and manage their wealth for more than 200 years - a business built upon the core principle of putting clients' interests first.

J.P. Morganis part of JPMorgan Chase & Co. (NYSE: JPM), a global financial services firm with assets of $2.3 trillion. JP Morgan offers innovative insights and solutions that will enable clients meet their strategic needs today and tomorrow by fostering a culture that stresses the highest ethical standards in support of clients.

Generali International

Long-established in the international financial services field,Generali International specialises in providing a range of powerful and flexible wealth management products to help their customers around the world achieve their financial ambitions. Their Head Office, set in the heart of the premier international finance centre of Guernsey, is ideally located to provide financial advisers and customers with the products, support and information they need to help their clients build a brighter future.

As part of a global financial services group that is among the world's top five insurers, you know you are in safe hands. It's also reassuring to know that in today's fast-moving world, you are dealing with a company whose services come under the jurisdiction of demanding and respected regulators. Generali International is regulated by the Guernsey Financial Services Commission and is also an Authorised Insurer in Hong Kong.

Royal London 360

Today's offshore investor demands a combination of investment choice, security and quality service. Royal London 360°'s attractive range of products provide flexible solutions and are supported by experienced servicing teams, effective marketing support and strong technical back up, which allow you to plan for the future with confidence and security.

Headquartered in the Isle of Man, one of the world's leading offshore financial jurisdictions, Royal London 360° was established through the merger of Scottish Life International Insurance Company Limited and Scottish Provident International Life Assurance Limited. The company has combined industry experience of over 30 years, and funds under management in excess of US$3 billion. Royal London 360° is the international division of the Royal London Group. Royal London is the largest mutual life and pensions company in the UK with Group funds under management of £41 billion.

360° represents a number of significant advantages; the international nature of their business; the way their employees think and take personal responsibility; and their adaptable approach to meeting clients'' requirements. By choosing Royal London 360° clients can be safe in the knowledge that their investment is in the hands of a company that is willing to go further to ensure that customer experience is superior, and clients' financial objectives are achieved.

Friends Provident International

Friends Provident International provides competitive life assurance, pensions and investment products for Asia, the Middle East, Europe, the UK and other selected markets, and is part of the Friends Life group. Friends Life group is the name used to describe Friends Life Group plc and all subsidiaries of that company. Also, in this group is Friends Life, which was launched in March 2011.

Friends Provident International benefits from a strong relationship with the Friends Life business, sharing a heritage that dates back over 200 years, and a reputation of trust, commitment and integrity in providing financial solutions to customers throughout their lives. Over 30 years of international experience have enabled the firm to establish strong relationships with financial advisers in many parts of the world. To support these relationships, they have offices in Hong Kong, Dubai and Singapore.

Skandia International

Owned by Old Mutual plc they offer a fresh approach to investing, centred on helping their customers achieve their goals. Their innovative medium- and long-term saving and investment solutions enable clients to respond quickly to life and market changes, and plan for the future they want. Skandia International specialise in offshore and cross-border investment solutions and operate from bases in financial centres around the world, including Ireland, Isle of Man, Hong Kong, Singapore and Dubai.

The firm is made up of three main companies: Royal Skandia, Skandia Ireland and Old Mutual International. They also have Skandia Life Assurance Company branches and a Guernsey based branch of Old Mutual Life Assurance Company South Africa.

STM Group

STM offers innovative, impartial financial solutions for high net worth individuals, cross-border investors and expatriates.

Through tax, legal, trust and pensions services, they help resident and non-resident individuals and companies protect and grow their investments. Their guiding principle is to provide excellent personal service in clear and simple language. STM Group understands the importance of addressing clients' specific requirements when administering their assets or business, often at a distance. With offices in Gibraltar, Spain, Malta and Jersey they are perfectly placed to meet clients' needs.

Zurich International

Zurich International Life (Zurich) offers life assurance, investment and protection solutions throughout the world with licensed offices in the United Arab Emirates, Hong Kong, Bahrain, Qatar, Singapore and Taiwan. As part of the Zurich Insurance Group, they can offer you innovative and individual financial solutions. The firm has been tailoring its products and services to meet the requirements of local markets for many years, ensuring that it can offer truly flexible and portable financial solutions. As part of one of the world's leading providers of international insurance and investment products, they have a reputation for excellent performance and commitment to the customer.

Momentum Malta & Isle of Man

Momentum Pensions specialises in the creation of flexible retirement planning to deliver effective pension arrangements. There options are tailored to meet the demands of individual clients, from the simplicity and accessibility of our master trust scheme, to the individuality and flexibility of our bespoke pension solutions.Pension solutions which include QROPS, QNUPS, International and Domestic Pension arrangements have been designed to enable UK expatriates and other non UK residents, Isle of Man and Malta Residents, and individuals who are about to leave the UK, to benefit from the flexible pensions legislation in both the Isle of Man and Malta.Pension arrangements provide individuals with greater control over their retirement options and tax efficiency, with a comprehensive investment choice and the peace of mind that on death, the fund value is protected for beneficiaries.

Sovereign Malta & Gibraltar

The first Sovereign office opened in Gibraltar in 1987 and further to this have offices or agents in numerous major offshore & onshore jurisdiction. Offering completely innovative, impartial financial solutions for high net worth individuals, cross-border investors and expatriates globally.Specialising in the setting up and management of offshore and onshore companies and trusts and company registration to providing Pension solutions, which include QROPS, QNUPS. International and Domestic Pension arrangements have been designed to enable UK expatriates and other non UK residents and individuals who are about to leave the UK, to benefit from the flexible pensions legislation in both the Malta & Gibraltar. Licenced in the Bahamas, Cayman Islands, Gibraltar, Guernsey, Isle of Man, Malta, Mauritius, Seychelles, the Netherlands and the Turks and Caicos Islands they have demonstrated financial stability, professional competence and expertise. This is testament to the skill and integrity of one of the most respected and recognisable names in the industry.


Headquartered in Zurich and Basel, Switzerland, UBS has offices in more than 50 countrie and employs over 65,000 people. Offering world-class distribution and execution across investment banking, equities, fixed income, rates, foregin exchange and metals, UBS Investment Bank is a powerful combination of global stregnth and local insight. It offers high net worth and affluent individuals around the world a complete range of tailored advice and investment services. Whether they are investing internationally or in their home country. UBS is listed on the Swiss Stock Exchange (SIX) and the New York Stock Exchange (NYSE).


EFG Group is an international banking group, consisting essentially of EFG International, which is a global private banking group headquartered in Zurich, Switzerland and listed on the SIX Swiss exchange (EFGN), and its direct parent company, EFG Bank European Financial Group SA, a bank based in Geneva, both supervised on a consolidated basis by the Swiss FINMA. EFG International AG has a comprehensive service offering in the areas of private banking and wealth management and currently operates in 50 locations in 30 countries, with over 2400 employees.


The second-largest bank in Germany (behind Deutsche Bank), Commerzbank provides retail and commercial banking services from approximately 1,200 branches nationwide and from offices in another 50 countries. The bank serves about 15 million customers, primarily individuals and small to midsized businesses, in Germany and abroad. Commerzbank supports a broad range of clients across their financing, trading and investment and strategic activities. They serve clients across Europe and globally and provide innovative and powerful investment ideas and trading capabilities that enable investors across the spectrum – from pension funds to hedge funds to private individuals – to deploy capital effectively.


Natixis is the corporate, investment and financial services arm of Groupe BPCE. Groupe BPCE is the second largest banking player in France with 20% of total bank deposits and 36 million clients. Natixis has its own client base of companies, financial institutions and investors as well as the client base of individuals, professionals and small to medium size businesses of Banqu Populaire and Caisse d'Epargne. Listed on the Paris Stock exchange, it has a solid base with total core tier capital of 12.7 billion euros and quality long term ratings (S&P:A, Moody's:A2, Fitch:A+) It has 8,000 bank branches, 117,000 employees and a total group saving deposit amount of 537.6 billion euros.