To be clear, I am writing this as a financial adviser. A client was put in a difficult situation by his bank and needed money at very short notice. Providence really went above and beyond to... Voir plus
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Lisez les avis des autres
Things are more complicated than with other companies. Your license makes customers, IFAS works two times more. No clarification with procedures. Not having a contact in Mexico makes everything co... Voir plus
The company has a good team who are well versed with knowledge of the products offered. I really appreciate the well documented brochures that explain well about the investments and more notable os Ar... Voir plus
L'entreprise a répondu
The customer service at Providence is absolutely excellent. The team are very efficient and process our requests very quickly. They are very helpful and informative. We look forward to continuing to w... Voir plus
L'entreprise a répondu
À propos de l'entreprise
À propos de Providence
Écrit par l'entreprise
Providence
Providence is an international life assurance company established in 2009, providing long-term savings and investment solutions for expatriates. We are regulated by the Mauritius Financial Services Commission and support over 8,000 policyholders globally, with more than USD 1 billion in assets under management.
Our products are designed to help internationally mobile professionals build financial security across borders, with flexible solutions that adapt to changing careers, locations, and life goals.
What we offer
- Regular Saving Plan: Long-term, disciplined saving solutions that help clients build wealth over time through consistent contributions.
- Investment Bonds: Single premium solutions for clients looking to invest a lump sum in a tax-efficient and globally diversified structure.
How we work
We partner with regulated financial advisers who provide personalised guidance based on each client’s goals and circumstances. Our role is to deliver robust, transparent products with strong governance and long-term reliability.
Why clients choose Providence
- Established in 2009 with a proven track record
- Regulated and compliant with international standards
- Designed specifically for expatriates with portable, cross-border solutions
- Long-term focus on stability, transparency, and client outcomes
Our commitment
We focus on helping clients build sustainable financial plans for the future, not short-term gains. Whether saving for retirement, education, or wealth preservation, our aim is to provide clarity, consistency, and confidence over the long term.
Coordonnées de contact
4,2
Bien
108 avis
Demande des avis aux clients
Cette entreprise invite régulièrement ses clients à laisser des avis, qu’ils soient positifs ou négatifs.
A répondu à 33 % de ses avis négatifs
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Responsive and helpful
12 juin 2026
Réponse de Providence
Dear Zyra,
Thank you for taking the time to share your feedback.
We are delighted to hear that you have found our team responsive and helpful. Providing timely and supportive service is very important to us, and we greatly appreciate your kind words.
Kind regards,
Providence Life
Réponse de Providence
Dear Lewi,
Thank you for taking the time to share your feedback. We are delighted to hear that you have had a positive experience with Providence and found our service efficient.
We greatly appreciate your kind words and confidence in us.
Kind regards,
Providence Life
The people leading the business and…
The people leading the business and those in command, in particular Jo and Leo, make Providence an easy choice for me to present to my clients. There is no single date. It is ongoing.
11 juin 2026
Réponse de Providence
Dear John,
Thank you for taking the time to share your thoughtful feedback. We are delighted to hear that we have made your experience with Providence a positive one.
Your continued confidence means a great deal to us, and we look forward to providing you with the same high level of service in the future.
Kind regards,
Providence Life
Great company to work alongside
Great company to work alongside! Quick communication & speedy resolutions to any slight issues.
Special mention to Joanne Mongey & Leo Cruz for exemplary service!
11 juin 2026
Réponse de Providence
Dear Jordan,
Thank you for your excellent feedback. We are delighted to hear that you value our prompt communication and efficient approach to resolving any issues.
Your recognition of our service is greatly appreciated, and we will be pleased to share your kind words with our team.
Kind regards,
Providence Life
Réponse de Providence
Dear Giri,
Thank you for taking the time to share your feedback.
We are pleased to know that you have had a positive experience with both our solutions and customer support. It is encouraging to hear that our team has consistently delivered timely and effective assistance whenever needed. Thank you for your trust and continued confidence in us.
Regards,
Providence Life
I invested approximately $60,000 with…
I am updating this review in response to Providence Life's reply, which claims they cannot identify my policy and suggests this may not be a "genuine policyholder experience."
Let me be clear: I am a genuine former policyholder. Because this is a public forum, I used a pseudonym ("Mr. Smith") to protect my privacy. However, I have already provided my full name, policy number, and investment details directly to Providence Life via a formal Data Subject Access Request sent to their administrative email.
For the public record, here are verifiable details that should allow Providence Life to locate my file if they genuinely wish to investigate:
Policy Prefix: PLL402***
Product: Horizon Portfolio Bond
Date of Investment: October 2017
Initial Investment: Approximately $60,000 USD
Adviser/Introducer: deVere Group (Shanghai)
Policy Status: Surrendered in 2025
The Core Issue: Fees Consumed Nearly All Growth
Over a period of 9 years, my net return on this $60,000 investment was approximately $10,000. That is an annualized return significantly below what a simple, low-cost balanced portfolio would have delivered over the same period.
The reason is clear: layered, persistent fees that are deducted regardless of performance.
Annual Marketing Fee (1.0%)
Investment Adviser Fee (1.0%)
Annual Management Fee (0.1%)
Quarterly Administration Fee (~$400/year)
Total annual fee drag: ~3% of portfolio value.
For the first four years, my transaction history shows the portfolio was parked in money market and liquidity funds—cash equivalents earning near-zero interest—while these fees were deducted relentlessly.
Providence Life's response states: "If the reviewer believes this response is in error, we encourage them to contact us directly with verifiable details."
I have already done so. I am awaiting the complete fee ledger and trade history that I am legally entitled to receive. Once I have that official data, I will be happy to update this review with the exact figures, which I currently estimate at $14,000 in total fees on a $60,000 investment.
If Providence Life is truly committed to "the highest standards of transparency," I invite them to:
Respond to my pending Data Subject Access Request with the complete transaction history.
Explain why my online portal access was immediately removed upon surrender, preventing me from downloading my own records.
Explain why subsequent deVere advisors were denied the ability to make changes to the portfolio allocation when they attempted to improve performance.
Until then, this review stands as an accurate reflection of my experience. I encourage other policyholders to carefully review their fee statements and ask hard questions about where their money is actually going.
10 avril 2026
Avis spontané
Réponse de Providence
Dear Mr. Smith,
We take all client feedback seriously and are committed to maintaining the highest standards of transparency and service. However, following a thorough review of our records, we have been unable to identify any policy owner matching the name and investment history described. As such, we believe this review may not reflect a genuine policyholder experience.
At Providence, our fee structures are clearly outlined and agreed upon with policyholders from the outset. We provide access to the agreed policy terms, along with ongoing reporting and policy information, enabling clients to track performance and understand all activity within their policy.
Investment outcomes can vary depending on factors such as market conditions, investment selection, risk profile, etc. All our products require prospective clients to carefully review documentation and seek independent financial advice before proceeding. Providence does not offer advice and all our products are only advised via independent introducers who are the agent of the client.
If the reviewer believes this response is in error, we encourage them to contact us directly with verifiable details so we can investigate further and address any legitimate concerns. Please reach out to us at admin@providence.life
Regards,
Providence Life
Prompt responses to emails
19 février 2026
Réponse de Providence
Dear Juliet,
Thank you for taking the time to share your feedback.
We value your thoughtful feedback and are delighted to know that our customer support team has consistently delivered prompt and effective assistance to you.
Regards,
Providence Life
Good online platform
19 février 2026
Réponse de Providence
Dear Chantelle,
Thank you for your positive feedback.
We’re pleased to hear that you’re having a good experience with our online platform. Your trust motivates us to continually enhance our services and deliver the best possible experience.
Regards,
Providence Life
Great Service
The Providence team is always of great help, especially because I have clients that have different needs. Their responses and turnaround times are always within reasonable time frames. The portal is also good as I can download all documents from there and can generate illustrations that come in handy in client meetings.
9 janvier 2026
Avis spontané
Réponse de Providence
Dear Craig,
Thank you for taking the time to share your feedback. We sincerely appreciate your kind remarks, and we’re pleased to hear that our team have been providing you with timely and effective support for policies. It is encouraging to learn that the portal and its functionalities have been effective in assisting you as well.
Thank you, once again, for your ongoing trust in Providence.
Regards,
Providence Life
Great service
Great service, support and online systems for advisors and clients.
8 janvier 2026
Avis spontané
Réponse de Providence
Dear Jarryd,
Thank you for sharing your experience with us. We really appreciate your kind words and are glad to hear that our service, support, and online systems are working well for both advisors and clients.
Thank you for choosing Providence.
Regards,
Providence Life
Great team in terms of responsiveness…
Great team in terms of responsiveness and helpfulness. The regular savings products are great but the customer service raises the bar and makes an already great product delivered at the highest level
10 décembre 2025
Avis spontané
Réponse de Providence
Dear Yamikani,
Thank you for your review and for sharing your experience with us. We’re thrilled to hear our savings product and dedicated customer support exceeded your expectations.
We appreciate you choosing Providence and look forward to continuing servicing your policies.
Regards,
Providence Life
Swift and professional approach to my…
Swift and professional approach to my admin queries
28 juillet 2025
Réponse de Providence
Dear Matthew,
Thank you for taking the time to share your experience and leave us a review. We're delighted to hear your positive feedback about our customer service.
Your satisfaction is important to us, and we look forward to assisting you again in the future with any queries or requests you may have.
Regards,
Providence Life
Having worked with Providence I can say…
Having worked with Providence I can say their service is by far the best among life companies. They offer secure, custom solutions, which are flexible, tax-efficient and tailored to each clients circumstances across multiple jurisdictions. It is clear their clients are their top priority.
The team is responsive and helpful and the website is modern and easy to use. I'd happily recommend them!
29 juillet 2025
Réponse de Providence
Dear Lucinda,
Thank you for your thoughtful and detailed feedback. We're delighted to hear that our service, solutions, and overall support have distinguished themselves in your experience.
We also appreciate your positive remarks about our team and digital platform. We sincerely value your feedback, and we thank you for placing your trust in Providence.
Regards,
Providence Life
Excellent service
I have a Polaris bond with Providence and on the few occasions I have required support they have always responded quickly and efficiently, more than happy to highly recommend them to others
25 juillet 2025
Réponse de Providence
Dear David,
Thank you for sharing your experience and we’re so glad to hear that our team has been there promptly and efficiently when you’ve required service support.
We truly value your recommendation and are grateful for the trust you’ve placed in Providence.
Regards,
Providence Life
I have a Polaris bond with Providence…
I have a Polaris bond with Providence and can honestly say the service has been outstanding! Questions are answered promptly and clearly, which cannot be said for many life companies. I highly recommend them.
25 juillet 2025
Avis spontané
Réponse de Providence
Dear Karen,
Thank you for taking the time to share your feedback. We're delighted to hear that your experience with our products and services has been so smooth and supportive.
It’s great to know that we are able to provide the clarity and responsiveness you deserve as we know how important that is. Your recommendation truly means a lot to us.
Regards,
Providence Life
Providence is an easy to deal with life…
Providence is an easy to deal with life company who give good service and are as helpful as possible.
They avoid unnecessary red tape and will help you to achieve your goals.
23 juillet 2025
Réponse de Providence
Dear Nicola,
Thank you for your kind words and positive feedback. We're glad to hear that you've found our service helpful and easy to work with.
We appreciate your support and thank you for taking the time to share your thoughts.
Regards,
Providence Life
Good experience so far
I've been a client of Providence for several years now, and have been very happy with the solution offered. It's easy to keep up to speed with your investment with their easy to use and informative platform.
The flexibility and transferability of their structure as an international client was what led me to select their structure initially, and I would be happy to recommend to others based on my experience so far.
22 juillet 2025
Réponse de Providence
Dear Anna,
Thank you for your thoughtful feedback.
We're delighted to hear that our platform has made it easy for you to stay connected with your investments. Our aim is to focus on making things clear, easy to use, and straightforward, so it’s great to hear that this has worked well for you.
We also appreciate your comments on the flexibility and international transferability of our structure. These are core features we’ve built intentionally to meet the needs of clients like yourself, and we’re pleased to see that reflected in your experience.
Your willingness to recommend us speaks volumes, and we’re grateful for the trust you’ve placed in Providence. We look forward to continuing to support you in the years ahead with the same dedication and care.
Regards,
Providence Life
Great to work with
Having now worked regularly with Providence for over 3 years, I know that their customer service is top among their competitors (big thanks to Jo Mongey for all the help!). Also, after the rework from a few months ago, their portal is slick and modern and has significantly improved client oversight and control.
16 juillet 2025
Réponse de Providence
Dear Alin,
Thank you for taking the time to share your positive experience with us. It's wonderful to hear that you think our customer service is superior to that of other companies. We're especially glad to hear your shout-out to our Distribution Director; it's wonderful when any of our colleagues are recognized for their excellent support!
Your positive feedback regarding our recently redesigned portal is reassuring, as we invested a lot of time and effort into that crucial update for our customer base. It’s incredibly rewarding to hear it has significantly improved policy oversight and control for you.
We appreciate your continued trust in Providence and for highlighting these key areas. We're committed to keeping our service and technology at the highest standard.
Regards,
Providence Life
Highly recommend for a fully open architecture account for international clients
I have been using Providence as one of the first choices of life companies for my clients for 8 years now and would highly recommend.
Quick and efficient, their team is always on call if they need to check anything over for compliance and to make sure clients accounts are set up quickly.
As a European based advisor, it is really useful to have a relationship with an overseas life company with a fully open architecture structure; many of the EU life companies are restricted on investment options so in order to provide full Independent financial advice Providence are one of the best!
16 juillet 2025
Réponse de Providence
Dear Seana,
We sincerely appreciate your amazing comments and your trust in Providence during the past eight years.
We're thrilled our team's efficiency, quick account setup, and service support have been so helpful. It's wonderful to hear that advisers find our open architecture structure useful; we recognize the importance of having a wide range of investing options to support your independent financial advice.
Once again, thank you for your valuable feedback.
Regards,
Providence Life
Thanks for the great service!
Of all the international investment companies I have dealt with over the years, I have found Providence to be the most responsive and client focussed.
The range of offerings covers most of the needs of the expat investor and they are geared up to manage customer accounts throughout their global lives.
Thanks for the great service!
15 juillet 2025
Réponse de Providence
Thank you for sharing your experience. It’s incredibly rewarding to hear that our responsiveness and client focus have made a lasting impression.
Supporting the unique needs of expat investors is at the heart of what we do, and we're glad our global approach continues to deliver real value.
We appreciate your feedback and look forward to continuing to support you.
Regards,
Providence Life
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