What is a Protected Cell Company - and why does it matter for your clients?

Most people have never heard of a Protected Cell Company. But the ones who have - and who hold their wealth inside one - sleep differently at night.

At International Assurance, every policyholder's assets are held in a legally separate cell - ring-fenced not just by policy wording, but by Mauritius law. That means your clients' money cannot be used to meet IAL's corporate obligations, and it cannot be touched by claims from any other policyholder.

What exactly is a PCC?

A Protected Cell Company is a legal structure that allows a single company to create distinct, legally separated "cells" - each with its own assets and liabilities. In the context of life insurance and investment, this means that every policyholder effectively has their own protected compartment within the company.

This isn't a marketing feature. It's embedded in the Mauritius Companies Act. When you structure a client's wealth inside International Assurance, their assets are untouchable by external corporate risk. That's a promise backed by law, not just by us.

Why this matters for globally mobile clients

Your clients live across borders. They hold assets in multiple currencies. They move between jurisdictions. In that environment, the stability of the structure holding their wealth isn't optional - it's the foundation.

Traditional insurers pool assets. If the company faces difficulties, all policyholders are exposed. With IAL's PCC structure, your client's cell is completely separate. Zero contagion risk. Their future, protected by design.

The IAL advantage

• Legally ring-fenced assets per policyholder - mandated by Mauritius law

• 100% reinsured by AA+ rated global reinsurers including Gallagher Re, Generali and Gen Re

• Regulated by the Mauritius Financial Services Commission (FSC)

• Over USD 3 billion in assets under administration across 105+ countries

Your clients didn't build their wealth by accepting average protection. They shouldn't settle for it now.

Speak to your International Assurance representative to learn how the PCC structure can work for your clients' specific situation.

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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.