Our insurance compliance advice goes beyond simply clarifying the rules – it also accelerates time to market for new products and avoids costly revisions during the authorisation process.
We proactively partner with intermediaries, brokers, insurance companies and Managing General Agents (MGAs) to support the adoption of the FCA’s risk governance framework. As well as compliance monitoring and health checks, Cosegic can also help you decipher complex, overlapping regulations (such as SYSC, ICOBs, CASS 5 and MIPRU). This ensures you avoid common pitfalls and maintain regulatory confidence.
Whether managing a Variation of Permission or extending Consumer Duty training across your broker and partner networks, we enable you to predict regulatory pressure points and integrate compliance into your operations, from applications and underwriting to claims and renewals.
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FCA authorisation is your foundation in UK financial services. We bring the expertise, rigour and track record to get you there.
MyCosegic replaces fragmented compliance work with a single operating system where actions, evidence, approvals and oversight live together.
The US market demands SEC compliance across multiple jurisdictions. Our specialists manage the entire process so you can focus on the opportunity ahead.
As your business evolves, we help you identify, apply for and secure the FCA permissions that reflect your next phase of growth.
When ownership changes, FCA approval is non-negotiable. We bring the precision and expertise to make sure it never becomes an obstacle.
When regulatory demands shift or specialist knowledge is needed fast, our ongoing support gives you access to senior compliance expertise.
Providing experienced compliance professionals to strengthen your team and support regulatory priorities.
We help you uncover compliance gaps, demonstrate commitment to fair customer outcomes and ensure your policies withstand regulatory scrutiny.
An independent view of your regulatory position, giving senior leadership the insight to act and strengthen compliance foundations.
“Supporting accurate, timely regulatory reporting to help you meet your ongoing compliance obligations.
Practical, proportionate ICARA processes embedded into day-to-day risk management and built to meet regulatory expectations.
Compliant, crisis-ready wind-down strategies that are clear, credible and integrated into your prudential risk management framework.
Practical, regulator-ready support that embeds SM&CR confidently across your organisation, tailored to your firm's specific needs.
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Our Experts
Find answers to the questions we’re asked most often, from our compliance and training services to how we can support your business.
Insurance intermediaries — including brokers, MGAs, and insurers — are subject to a broad range of FCA regulatory obligations, including FCA authorisation, Consumer Duty, SM&CR, financial promotions rules, and complex overlapping regulations such as SYSC, ICOBs, CASS 5, and MIPRU. Meeting these obligations requires a comprehensive grasp of how these frameworks interact and apply to specific business models.
Consumer Duty requires insurance intermediaries to demonstrate fair value across their product ranges, ensure customer communications are clear and not misleading, and support customers appropriately throughout the policy lifecycle. For firms distributing products through broker and partner networks, embedding Consumer Duty consistently across the distribution chain is a particular compliance challenge that requires robust training, monitoring, and governance frameworks.
Bringing new insurance products to market requires careful compliance planning from the outset, covering product governance, fair value assessments, financial promotions approval, and Consumer Duty obligations. A proactive compliance approach that integrates regulatory requirements into product design and development significantly reduces time to market and avoids costly revisions during the authorisation process.
Insurance intermediaries seeking to expand their regulated activities must apply to the FCA for a Variation of Permission, demonstrating that their governance, systems and controls, and financial resources are adequate to support the proposed changes. A well-prepared application that clearly articulates the business rationale and regulatory alignment is essential to securing a smooth and timely approval.
Cosegic proactively partners with intermediaries, brokers, insurers, and MGAs to support the adoption of the FCA's risk governance framework, helping firms decipher complex overlapping regulations and avoid common compliance pitfalls. From compliance monitoring and health checks to managing Variations of Permission and extending Consumer Duty training across broker and partner networks, we help insurance intermediaries predict regulatory pressure points and maintain confidence with the FCA.
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