Overview
In line with the requirements of the Modern Slavery Act 2015 and in accordance with section 54 of the Act, this statement outlines the steps Lifeline Group Limited trading as Lifeline has taken in the financial year ending 31 December 2024 to prevent, and to address, any form of modern slavery within its business operations and supply chain.
Lifeline is an insurance broker, providing access to insurance protection services such as life insurance, income protection, and private medical insurance through its own digital platforms including mobile apps and websites.
Lifeline recognises that modern slavery is a violation of fundamental human rights and freedoms. It is fully committed to respecting human rights and will take measures to eradicate, address, and mitigate any risk or instance of modern slavery that might arise within its operations or supply chain.
It is a priority for the organisation to ensure that it trades ethically, sources responsibly, and takes action to prevent modern slavery and human trafficking.
This statement highlights the key activities undertaken during the last financial year to combat modern slavery in the organisation and its supply chain.
Speak Up Policy
The Lifeline Group Speak Up Policy was introduced on 1 April 2025 and last updated on 1 April 2026 with a 12 month revision cycle.
Speak Up is Lifeline’s whistleblowing policy that sets standards within the organisation for raising concerns about misconduct. It covers all employees in all subsidiaries and locations within the Group.
Non-compliance with laws, regulations, internal standards, and policies, if it occurs, can become a serious obstacle on the way to Lifeline’s goal of becoming the fastest growing and most efficient insurance broker in Europe.
Lifeline has introduced the Speak Up policy to clearly define what kind of violations can be reported, what channels can be used for reporting, and to confirm that the reporting person will be protected from retaliation.
Employees can use the available internal and external channels to report violations of the law or breaches of the Lifeline Group Code of Conduct and other internal policies and procedures, including issues relating to modern slavery and human trafficking.
Issues can also be reported to the Compliance team or to individual Compliance managers, HR managers, or line managers. Employees are free to choose who they feel most comfortable raising issues with. The platform is available not only to internal employees but also to external stakeholders for the reporting of any compliance concerns.
Lifeline guarantees that all reports will be handled with the utmost confidentiality.
The Speak Up policy is approved by Lifeline’s Executive Committee and is reviewed annually.
Code of Conduct
Lifeline’s Code of Conduct sets out standards for compliant and ethical behaviour within the group. It serves as a compass and gives orientation in our everyday actions and decisions.
Compliance means adhering to all legal and regulatory obligations as well as our own policies and standards. Integrity at Lifeline is about acting honestly and holding up to our ethical values.
The Lifeline Group Code of Conduct is approved and issued by the Executive Committee and applies to everyone at Lifeline at all locations and company levels.
Supply chains
Lifeline UK’s supply chains primarily include suppliers of software and technology solutions, providers of office equipment and services, professional service providers, and employee benefit providers.
Diligence in dealing with our business partners helps ensure that everything done for our customers is carried out in an orderly and proper way.
A risk-based business partner due diligence process is implemented and includes screening for compliance risks and adverse media.
We treat our business partners fairly and expect them to hold to the same high compliance and ethical standards that we set for ourselves.
We recognise the importance of identifying high-risk areas where our activities might be causing or contributing to adverse human rights impacts, including modern slavery. Insurance has not been identified as a high-risk sector where direct employees might experience modern slavery or forced labour.
Our direct operations rely on knowledge and skills based activities where almost all our employees work in roles that are low risk, for example in office-based roles, including sales adviser roles and other roles that require specialist experience or qualifications such as compliance, accountancy, software development, marketing, and human resources.
We have a limited degree of exposure to the risks of forced labour practices in our supply chain, especially where we source services produced by manual labour, such as outsourced cleaning services.
The business operations are Europe-based and oriented to European customers without reliance on complex global supply chains.
Compliance
If we find evidence of a failure to comply with our standards in respect of modern slavery or a breach of legislation in this area, we will immediately seek to terminate our relationship with the relevant supplier.
Where there are suspicions of a breach, we will take positive action to investigate and either terminate where proven, or work with the supplier to demonstrate with greater certainty that there is no such breach.
Organisations within our supply chains are required to adhere to the Modern Slavery Act as a contractual requirement.
Inclusion, Respect and Diversity
We share a common vision and a mutual goal. Our differences and diversity help us to achieve it. We value all members of our community for their unique contributions to delivering the best experience for our customers.
We foster an open, inclusive, and respectful culture in our everyday work, in our hiring and promotion practices, and in our communication. Nobody at Lifeline or in its environment should experience exclusion or discrimination regardless of gender, age, religion, cultural background, sexual orientation, disability, or other diverse backgrounds.
Instead, we always seek to learn from different perspectives and thus truly understand and meet the diverse needs of our customers and our community.
We have appropriate policies in place that underpin our commitment to ensure that there is no modern slavery or human trafficking in our supply chains or in any part of our business. We regularly review and update our Code of Conduct and Speak Up policies as set out above.
Our Employees
In the UK, we manage the risk of modern slavery by ensuring that the people we hire have the right to work and that their basic rights as workers are protected.
We comply with UK employment laws including the Working Time Regulations.
We have reviewed our third-party recruitment agencies’ practices. Within this review, we have confirmed their low-risk status and that they comply with an employer pays principle, ensuring no recruitment fees are charged to potential candidates and all terms and conditions are disclosed at the recruitment stage.
UK Whistleblowing Policy
In addition to the Group Speak Up policy and Code of Conduct detailed above, there is a specific UK Whistleblowing policy which was last updated in April 2026 and has a 12 month revision cycle.
High Level Approval
Lifeline’s Executive Committee assessed this statement and approved its content on 1 April 2026.