Hansard Arvostelua 

I've held a Hansard Vantage Platinum Worldwide contract for several years, sold to me through deVere. It took a proper financial breakdown to work out what I was actually paying — here's what I found, in plain terms, for anyone considering this product.

The real fees are hidden and huge. Once you add up all the layers it costs over 9% of my capital annually. None of this is shown clearly in the statements, and it's impossible to get a straight answer from the team. You have to dig through several separate documents and know what you are doing to work it out.

You're taking on high risk for low reward. To have any chance of beating these fees, your money has to sit in aggressive, high-risk funds — mine did. But even then, once the 9%+ fees are taken out, what's left is a modest, conservative-looking return at best. You end up carrying all the risk of an aggressive portfolio while realistically earning what a cautious saver would settle for.

Getting out early costed me 50% of my savings. I looked into cashing out now versus staying in until the end. I'm still better off leaving than staying — because the ongoing 9%+ fees eat away so much over time that they cost more than the exit penalty itself.

My money was steered into my own adviser's funds. Most of my contract was invested in "dVAM" funds, a brand linked to deVere — the same company that sold me the policy.

I'm not saying Hansard is a scam — it's a regulated company. But it took me years, and real effort, to find out what I was actually paying and where my money was going.

Invested in a Hansard retirement plan for 11 years. The investment funds performed quite well but I still lost thousands of pounds (about 10% of my investment) due to the number of different fees (some of them hidden) that meant I was paying more than 8% of any gains in fees and costs.
Some of the fees were not decalred at the beginning (such as a fee for every transaction within the fund) and the ones that were on the initial plan summary were high compared to other similar plans.
I admit I was naive and did not perhaps investigate initially but Hansard representatives did all they could to keep me unaware.
When I did ask for clarity during the course of the plan, they bombarded me with technical jargon that did not address the issue and always blamed the fund performance.

I have had the worst possible experience with Hansard Isle of Man, I had a SIPP pension which I was given poor advise on iinitially and advised to set up a SIPP with Hansard, unfortunately the annual fees led to my pension fund being wiped out in 10 years. I attempted to get what was left of my money out of Hansard with the assistance of another advisor and surrender my policy. Hansard made it impossible to do so. I spent over a year replying to their requests for due dillegence documentation which I now beleive was used as a tool to delay the process while continuing to charge annual fees. I would strongly recommend not putting any funds in Hansard Isle of man. It is also not possible to transfer these funds into other providers if they are not based in the Isle of Man due to Isle of Man regulations.

I had some investments in Hansard, for around 7 years. I ended up losing money sadly. Although it might have benefits for being in Island of Man, I believe probably their services does not fit all profiles. I ended up losing a considerable amount trying to get the money out when I realized it was not worth enough compared to other services

I have been with Hansard for around 7 years now. My advisor has done pretty well apart from one bad year in the markets. They have a large fund selection and a 21st century platform which allows me to track my investment in real time.

Nearly 4 months after I provided all the documents to withdraw a small amount, I am still waiting.
Deals were settled in January, in February they asked for more due diligence on documents sent three months earlier which was provided. 2 months after the deal was instructed and seven weeks after it was settled, I am still waiting.
Don't ever put your money with them if you might need it quickly.

Quality product, flexi payment plan, better returns and less expenses on cost of accumulation than other competitors

Zero communication. My policy matured six months ago and they never bothered to inform me. When I wrote to them, I have been asked to jump several hoops...I await the outcome. I would note the only five star reviews are by their salesmen

I have been trying to withdraw some of my money from my portfolio by wire transfer to the U.S. for over a year now. Each time, I am denied and am asked to provide additional data or documentation. After I do that, another denial comes for a different reason. It has been so exhausting.

After realising that the retirement fund we had invested in was a scam with fees higher than returns, we took out what we could, and were forced to leave the rest behind. The policy was marked as 'paid up', no further funds going in, with a future date when it would pay out upon my retirement. My so called financial advisor from De Vere (another company that i will be leaving a 1 star review for) never informed me that there would be any problem with allowing the fund to 'sit' until it matured. Then I was sent a letter (which I never received) informing me to take some action or the account would be closed without compensation. Of course, i didn't take action, as I didn't receive said letter (you would think something with such important content would at least be sent by registered mail), I received further notification that the account was now closed (over 30K Euro was there). I am absolutely lost for words, and furious for believing these so called professionals who have never done a thing to help me. DO NOT invest with them!!

We have had the privilege of working with Hansard for over a decade, during which time we have assisted in managing the accounts of thousands of clients in partnership with them. Hansard consistently demonstrates professionalism, delivering excellent service and a strong range of products designed for long-term savings.

As a company listed on the British stock market and based in the Isle of Man, Hansard offers a high level of security and reliability—making them a trusted choice for long-term investment planning. We value our relationship with Hansard and look forward to continuing our successful partnership for many years to come.

I can just simply saying that I’ve got the best customer service experience among all companies in the market.
Thank you Ian, for the best support at all time. 👏

The personal approach with Hansard makes the service top class and makes them much easier to deal with than any other company out there. Couldn't recommend them more to other advisors and they are my go to company for my clients...

As an IFA in Latin America we have been dealing with Hansard for over 25 years. The product range has improved significantly over the years, and the support staff have been excellent throughout that time.
Michael Cross
CI Associates

Have been working with and recommended Hansard to a number of my clients over a number of years. The main thing I look for when recommending a financial institution is my ability to service my clients and that is something Hansard extremely well.

I am the VP for Mexico & LatAm and we have been working with Hansard for nearly 30 years. This is one of the few remaining Life Investment companies that still cares for their clients and their advisor relationships. They look after us by helping us to solve client issues or just simply making sure clients can get access to their capital when they need it in a fast and efficient manor. Highly recommended and we look forward to continuing our relationship with them here in Mexico & LatAm!!

Top quality investment policies and an overall fantastic option. Hansard is a well ran and a well managed company.

Couldn’t recommend them enough.

I have been a client of Hansard since one year and they offer flexible investment solutions, their platform is easy to use and it made more safe that they are publicly traded on the London Stock Exchange and I'm satisfied with the services that I'm receiving so far!

Hansard has consistently offered good service and built a hearty financial institution, with a variety of different products.