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What a Protected Cell Company Actually Protects
- 2 days ago
- 1 min read
Few advisors know what a Protected Cell Company actually protects. Fewer still use it.
A PCC isn't a marketing term. It's a legal structure where each policyholder's assets sit in their own dedicated cell, fully ring-fenced from the insurer's corporate obligations and from every other policyholder in the company. If the insurer faces a claim or liability elsewhere, that cell is legally untouchable, not by policy wording, but by structure.
That's what partnering with International Assurance means to us: structure you can rely on, not just promises.
Why most offshore providers can't do this
Most offshore providers pool client assets together in a single fund structure. If one policyholder defaults or the insurer faces a claim, every other policyholder in that pool can be exposed to the fallout. It is a structural weakness dressed up as simplicity.
IAL's Protected Cell Company model removes that risk at the structural level. Every policy sits in its own legally separate compartment, something most traditional insurers cannot replicate because it requires the PCC legislation itself, not just an internal accounting convention.
International Assurance Limited PCC does not provide financial, investment, tax, or legal advice. All decisions should be made in consultation with appropriately qualified professional advisors, based on the client's individual circumstances, objectives, risk profile, and jurisdictional requirements.
