Association of International Life Offices
Representing the cross-border life industry
Association Structure Members About AILO Diary

About AILO

AILO is a unique organisation in the international life insurance industry, representing a diverse group of companies in product, market and organisational terms. All AILO members share the same vision of writing business across, and unhindered by, national borders. AILO is a very active organisation, with strong links to the governments and regulatory bodies in the major economic jurisdictions in which its members do business.

Establishment of the Association

The Association of International Life Offices was formed in 1987 by a number of companies which provided insurance and investment services in many areas of the world. The founding members recognised the vast potential of the international opportunity and its parallel development in the European Single Market, as well as the need for the emerging industry to have a framework of communication, standards and representation.

Nearly thirty years later the Association continues to achieve these founding aims and to address today's challenges.

Aims and Objectives of AILO

The Constitution encompasses a number of key principles:

AILO Membership

All Members are obliged to adhere to the rules set out in the Association's Constitution. Membership currently comprises cross-border insurers and related companies from several jurisdictions.

The Management Committee comprises the Chief Executive and at least four elected Nominees, including the Chairman, Vice-Chairman, Treasurer, Members' Representatives and the immediate past Chairman. It is charged with running the affairs of the Association.

Mutual Interest functional groups, organised as sub-committees, represent the interests of particular groups of Members. Sub-committees have permanent standing and, in addition, ad hoc committees are formed as required in response to special issues, meaning that the Association is always ready to respond to the latest topic of interest in its industry.

AILO's Membership Fees

AILO Membership fees for the financial year from 1st July 2016 to 30th June 2017.

Full and Closed Membership:
£4,000 (or €4,000) per annum

Associate Membership:
£4,000 (or €4,000) per annum

International Membership:
USD 1,000 (or €1,000) per annum

Associate Membership is available to interested companies, partnerships, consultants and organisations that demonstrate an involvement with, or substantial interest in, the provision of life insurance and associated products and services on a cross border basis. Note this class of Membership does not confer voting rights.

International Membership is for those Members based outside Europe and the reduced fee reflects the fact that Members will not attend AILO Meetings owing to their location.

If an applicant joins during the Association’s financial year a pro-rata subscription will apply, (see article 4.3 of the Constitution).

Media relations

AILO receives regular publicity in the financial services industry press and encourages the development of a greater awareness of its aims, objectives and activities. All media enquiries concerning the Association should, in the first instance, be addressed to its Secretariat.

Relationships with other associations and industry regulators

AILO currently has regular communications with, and/or representatives on, similar industry associations in the Grand-Duché de Luxembourg, Guernsey, Hong Kong, Ireland, the Isle of Man and the United Kingdom, as well as having the capacity to make representations to the regulators in those and other jurisdictions. Additionally, AILO maintains frequent communication with the various financial services divisions of the European Commission.


KPMG Heritage Court,
41 Athol Street,
Douglas, Isle of Man
IM99 1HN


Isle of Man Bank Limited,
PO Box 13,
First Floor,
2 Athol Street,
Douglas, Isle of Man

BGL BNP Paribas S.A.,
27 avenue Monterey,
L-2951 Luxembourg
Grand-Duché de Luxembourg

Registered Address

Association of International Life Offices
1st Floor, Tudor House
Le Bordage
St Peter Port
Channel Islands


Association of International Life Offices Secretariat,
Level 21, Bastion Tower,
5 Place du Champ de Mars,
B-1050 Brussels

Tel: +322 550 3411
Fax: +322 550 3418