REFUGE LIFE ASSURANCE Refuge Life Assurance was founded in 1835 & operated from the famous old Refuge Assurance Building for many years in Manchester. RefugeAssurance & United Friendly merged in 1996 to form United Assurance Group, trading as United Friendly. Royal London Insurance Company took over both in 2000 and Scottish Life in 2001. Refuge Insurance was once a major force in the protection market place with brokers then slowly disappeared as a brand as the mortgage market slowly moved from endowments to repayment mortgages. The Financial Services Authority reportedly fined both RefugeInsurance & United Friendly £350,000 in 2001 for their sales of with-profits endowment savings policies. The Royal London Group now adminsters old Refuge Assurance policies from their head office based in Wilmslow, Cheshire. Bright Grey was set up by Royal London Life in 2003 to make protection insurance more flexible and accessible.   Royal London Life Insurance products via Bright Grey with their Menu Protection product offer the opportunity to combine several types of cover with one Insurer. Life cover, decreasing (mortgage protection) or level term assurance, Life with Critical Illness, Children's Critical Illness, Income Protection and Un-Employment cover.   Looking in 2008 to compare old Refuge Assurance products or Royal London Life Insurance against other Uk Insurers > Need a Competitive Life or Critical Illness Insurance Quote ?