This firm is no longer registered as an appointed representative.

It cannot legally carry out FCA-regulated activities. If anyone is currently dealing with this firm as if it still has permission, treat that as a serious red flag and verify directly with the FCA.

Stephen Lower Insurance Services Ltd

Watch for changes

FRN: 409312

Watch for changes

Approved individuals

Senior staff personally approved by the FCA to hold their roles here.

Mark Dowden
IRN MXD01809
- (1)Employed By (24 Oct 2008 to 31 Dec 2008)
Martin David Kingston
IRN MDK01063
- (4)Employed By (21 Jun 2013 to 8 Dec 2014)
Patrick Michael Plews
IRN PMP01043
- (3)Employed By (13 Jun 2007 to 8 Dec 2014)
Sharon Elizabeth Plews
IRN SEP01067
- (5)Employed By (13 Jun 2007 to 8 Dec 2014)
Stephen Lower
IRN SXL01449
- (2)Employed By (13 Apr 2005 to 1 Jul 2007)

Recent activity

Updates to this firm's record on the FCA register.

No changes recorded yet.

What it all means

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.