Insurance and pensions in Isle Of Man


Appleby is a leading name in the market for insurance and reinsurance work, and is able to draw on the added advantage of its network of offices across other offshore jurisdictions. Practice head Juan Thornley is a corporate partner who focuses on the financial services sector, much of which includes insurance and pensions related work. Garry Manley has a similar focus and leads the team’s funds and investment services group. Simon Harding no longer leads the practice but is now group general counsel for the firm. Counsel Michelle Brook is also recommended.

Practice head(s):

Juan Thornley

Other key lawyers:

Garry Manley; Michelle Brook


‘Specialist knowledge in insurance regulatory matters.’

‘Really knowledgeable and responsive. Clear advice. Easy to deal with.’

Work highlights

  • Advised Monument Re Limited on its acquisition of LCL International Life Assurance Company Limited, and Charles Taylor Holdings (IOM) Limited.
  • Advised International Financial Group Limited on its acquisition of a 76% stake in Friends Provident International Limited.


With a leading corporate team, Cains is well versed in advising on transactions and regulatory compliance in the insurance sector, with the additional capabilities of drawing upon its strong bench of litigators. Consultant Jonathan Latham has an impressive background advising on major corporate transactions and reorganisations, and more recently has been advising on insurance issues surrounding the pandemic and its economic consequences. Tristan Head is also a name of note for transactions and regulatory work, but is also a key name for bond issuances and public listings. Lindsey Bermingham leads on the contentious side, and is most notably strong in cases concerning anti-money laundering. Senior associate Matthew Quinn is a promising name at junior level.

Practice head(s):

Tristan Head; Jonathan Latham; Lindsey Bermingham; Scott Leonard-Morgan

Other key lawyers:

Matthew Quinn


‘Tristan Head is personable, trustworthy, professional and honest.’

‘Tristan Head is a pleasure to work with. He is very commercial-minded, was available and actively engaged in the matter.’

Lindsey Bermingham. Best lawyer I’ve ever worked with – she is brilliant, thorough and exercises excellent judgement. Her experience, given much of the business on the Island, is unrivalled.’

‘Lindsey Bermingham is a class Act. Hard working, highly articulate and a legal tactician of the very highest quality. It is like playing chess with a grandmaster, knowing she will always be one step or more ahead of her opponents.’

Work highlights

  • Advised Metrowise Limited on the sale of its Isle of Man companies LCL International Life Assurance Company Limited and Charles Taylor Holdings (IOM) Limited.
  • Advising the seller on the sale of Isle of Man Assurance Limited, IOMA Horizons Limited and Isle of Man Insurance Management Limited to Wilton Group Limited.
  • Advising Ardonagh Midco 3 PLC on its recent secured financings.


DQ's private client, trusts and pensions practice is led by Annemarie Hughes, a ‘go-to adviser in the Isle of Man for trusts and pension matters’. Hughes is a member of the IOM Association of Pension Providers and has assisted the Manx government on pensions legislation. Moreover, she is also skilled in complementary areas such as trusts and private client law.

Practice head(s):

Annemarie Hughes


‘Pragmatic, forward thinking and highly professional team.’

‘Annemarie Hughes is a go-to adviser in the Isle of Man for trusts and pension matters. Advice is always thorough, pragmatic and on brief.’

Key clients

Towerbrook Capital Partners

Work highlights

  • Advising a major professional association in connection with large scale redundancies and the consequences for an occupational scheme and members’ rights.
  • Advising large international non profit organisation on the creation of a new Isle of Man international pension.
  • Advising international life companies on Isle of Man regulatory obligations.

Keystone Law

Keystone Law is ‘widely acknowledged as the local leader in pensions advice’, drawing on the 'in-depth knowledge' of pensions specialist Ben Hughes. His work entails providing general advice on occupational and personal pension schemes, as well as assisting with the establishment, maintenance and restructuring of major schemes.

Other key lawyers:

Ben Hughes


‘Legal advice received is always well thought out, researched and delivered in a language which is easily digestible for a wider audience. Billing is detailed and clear and helps avoid any unexpected costs.’

‘Ben Hughes is very professional in his manner, thorough in his opinions and calm in his delivery. The reason we deal with Keystone has been due to the relationship and experience of Ben.’

‘Keystone is the go-to firm for pensions in the Isle of Man, with a depth of knowledge across a wide and diverse range of subject matters. ’

‘Ben Hughes’ knowledge of pensions legislation, related tax laws and ability to apply his knowledge in a practical and understandable way is second to none, ’

‘The key advocate is Ben Hughes who is the leading pension adviser on the Isle of Man. He has an in-depth knowledge of Manx pension law and regulations and can call on support for UK matters as required. He is pragmatic in his advice.’

‘Widely acknowledged as the local leader in pensions advice’

‘Ben Hughes has been invaluable in our recent pension merger transaction. His engagement with the opposite parties has been excellent and he has met all scheduled deadlines, even where these have been extremely demanding. ’


Simcocks has particular expertise in insurance regulation, as well the amalgamations, winding up and insolvency of insurance companies. The team is also highly skilled in handling the establishment of pension schemes, as well as restructurings and mergers. David Spencer leads on the insurance side and has carved a particular niche in advising on marine insurance. Pensions law is primarily handled by Phil Games, who has expertise in commercial and corporate work within that field.

Practice head(s):

David Spencer; Phil Games

Work highlights

  • Advised Equilibrium Pensions Limited on winding up a pension scheme.