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Refuge Assurance Company
The Refuge Assurance Company Ltd. was a life insurance and pensions company based in England. It was founded by James Proctor and George Robins in Dukinfield, Cheshire in 1858. The company was originally known by the unwieldy name of the Refuge Friend in Deed Life Assurance and Sick Fund Friendly Society. From 1895 until 1987, its head office was the magnificent Grade II* listed, Refuge Assurance Building on Oxford Street in central Manchester, now used as the Kimpton Clocktower Hotel. In 1987, the company decided to move out of the city centre to new, purpose-built, offices in the grounds of Fulshaw Hall in Wilmslow, around 12 miles south of the old Refuge Building. In October 1996, the Refuge Assurance Company merged with United Friendly to form the United Assurance Group (UAG). After disappointing performances following the merger, the United Assurance Group was first approached by Britannic Assurance Resolution plc was a UK insurance company headquartered in the City of ...
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Life Insurance
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person (often the policyholder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policyholder typically pays a premium, either regularly or as one lump sum. The benefits may include other expenses, such as funeral expenses. Life policies are legal contracts and the terms of each contract describe the limitations of the insured events. Often, specific exclusions written into the contract limit the liability of the insurer; common examples include claims relating to suicide, fraud, war, riot, and civil commotion. Difficulties may arise where an event is not clearly defined, for example, the insured knowingly incurred a risk by consenting to an experimental m ...
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Pensions
A pension (, from Latin ''pensiō'', "payment") is a fund into which a sum of money is added during an employee's employment years and from which payments are drawn to support the person's retirement from work in the form of periodic payments. A pension may be a "defined benefit plan", where a fixed sum is paid regularly to a person, or a "defined contribution plan", under which a fixed sum is invested that then becomes available at retirement age. Pensions should not be confused with severance pay; the former is usually paid in regular amounts for life after retirement, while the latter is typically paid as a fixed amount after involuntary termination of employment before retirement. The terms "retirement plan" and "superannuation" tend to refer to a pension granted upon retirement of the individual. Retirement plans may be set up by employers, insurance companies, the government, or other institutions such as employer associations or trade unions. Called ''retirement plans' ...
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England
England is a country that is part of the United Kingdom. It shares land borders with Wales to its west and Scotland to its north. The Irish Sea lies northwest and the Celtic Sea to the southwest. It is separated from continental Europe by the North Sea to the east and the English Channel to the south. The country covers five-eighths of the island of Great Britain, which lies in the North Atlantic, and includes over 100 smaller islands, such as the Isles of Scilly and the Isle of Wight. The area now called England was first inhabited by modern humans during the Upper Paleolithic period, but takes its name from the Angles, a Germanic tribe deriving its name from the Anglia peninsula, who settled during the 5th and 6th centuries. England became a unified state in the 10th century and has had a significant cultural and legal impact on the wider world since the Age of Discovery, which began during the 15th century. The English language, the Anglican Church, and Engli ...
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Dukinfield
Dukinfield is a town in Tameside, Greater Manchester, England, on the south bank of the River Tame opposite Ashton-under-Lyne, east of Manchester. At the 2011 Census, it had a population of 19,306. Within the boundaries of the historic county of Cheshire, the town developed as a result of the Industrial Revolution when it became the site of coal mining and cotton manufacturing. History Early history The earliest evidence of human activity around Dukinfield comes from a collection of four flints from the late Neolithic/early Bronze Age. The artifacts were discovered on the site of Dukinfield Hall and have been taken as evidence of a prehistoric settlement on the site. There is no further evidence of activity in the area until the Roman period. A 3rd century bronze Roman coin, from the reign of Emperor Tetricus I was discovered in the town. Dukinfield means "Raven of the Field" and derives from the Old English ''duce'' and ''feld''. Early records show the township was inc ...
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Cheshire
Cheshire ( ) is a ceremonial and historic county in North West England, bordered by Wales to the west, Merseyside and Greater Manchester to the north, Derbyshire to the east, and Staffordshire and Shropshire to the south. Cheshire's county town is the cathedral city of Chester, while its largest town by population is Warrington. Other towns in the county include Alsager, Congleton, Crewe, Ellesmere Port, Frodsham, Knutsford, Macclesfield, Middlewich, Nantwich, Neston, Northwich, Poynton, Runcorn, Sandbach, Widnes, Wilmslow, and Winsford. Cheshire is split into the administrative districts of Cheshire West and Chester, Cheshire East, Halton, and Warrington. The county covers and has a population of around 1.1 million as of 2021. It is mostly rural, with a number of towns and villages supporting the agricultural and chemical industries; it is primarily known for producing chemicals, Cheshire cheese, salt, and silk. It has also had an impact on popular culture, producin ...
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Grade II* Listed
In the United Kingdom, a listed building or listed structure is one that has been placed on one of the four statutory lists maintained by Historic England in England, Historic Environment Scotland in Scotland, in Wales, and the Northern Ireland Environment Agency in Northern Ireland. The term has also been used in the Republic of Ireland, where buildings are protected under the Planning and Development Act 2000. The statutory term in Ireland is "Record of Protected Structures, protected structure". A listed building may not be demolished, extended, or altered without special permission from the local planning authority, which typically consults the relevant central government agency, particularly for significant alterations to the more notable listed buildings. In England and Wales, a national amenity society must be notified of any work to a listed building which involves any element of demolition. Exemption from secular listed building control is provided for some buildin ...
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Refuge Assurance Building
The Kimpton Clocktower Hotel is a historic commercial building, now a hotel, at the corner of Oxford Street and Whitworth Street in Manchester, England. The building was originally constructed in segments from 1891 to 1932 as the Refuge Assurance Building. History Refuge Assurance Company The first phase of this Grade II* listed red brick and terracotta building was designed for the Refuge Assurance Company by Alfred Waterhouse and built 1891–1895. The inside was of Burmantofts faience and glazed brick. The ground floor was one enormous open business hall. It was extended, with a striking tower, along Oxford Street by his son Paul Waterhouse in 1910–1912. It was further extended along Whitworth Street by Stanley Birkett in 1932. What is now the ballroom was previously the dining hall for employees, with males and females being required to sit separately. Around 2,000 staff were employed. Women had to reapply for jobs if they married, and some areas of the building were ...
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Manchester
Manchester () is a city in Greater Manchester, England. It had a population of 552,000 in 2021. It is bordered by the Cheshire Plain to the south, the Pennines to the north and east, and the neighbouring city of Salford to the west. The two cities and the surrounding towns form one of the United Kingdom's most populous conurbations, the Greater Manchester Built-up Area, which has a population of 2.87 million. The history of Manchester began with the civilian settlement associated with the Roman fort ('' castra'') of ''Mamucium'' or ''Mancunium'', established in about AD 79 on a sandstone bluff near the confluence of the rivers Medlock and Irwell. Historically part of Lancashire, areas of Cheshire south of the River Mersey were incorporated into Manchester in the 20th century, including Wythenshawe in 1931. Throughout the Middle Ages Manchester remained a manorial township, but began to expand "at an astonishing rate" around the turn of the 19th century. Manchest ...
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Fulshaw Hall
Fulshaw Hall is a country house, south of the civil parish of Wilmslow, in Cheshire, England. It is recorded in the National Heritage List for England as a designated Grade II listed building. Samuel Finney III, the miniature-painter to Queen Charlotte, lived at Fulshaw from 1769 until his death in 1798. The land was once held by the Knights Hospitalier during the reign of Henry III, and later requisitioned for the Special Operations Executive ( SOE) during WWII. The house was built with money generated from enslaved labour in the British West Indies. History c.1200-1561 Fulshaw was originally one of four settlements within the surrounding parish of Wilmslow. In c.1200, Robert de Fulshaw granted Richard Fitton the lordship of the Fulshaw manor. It was his son, Richard that granted the manor to the Order of St John of Jerusalem (or the 'Knights Hospitalier') during the reign of Henry III. The Knights Hospitalier then passed Fulshaw to Richard del Sherd in 1277, ...
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Wilmslow
Wilmslow ( ) is a market town and civil parish in the unitary authority of Cheshire East in Cheshire, England, south of Manchester city centre. The population was 24,497 at the 2011 Census. History Toponymy Wilmslow derives its name from Old English ''Wīghelmes hlāw'' = "mound of a man called Wīghelm." Lindow Man Much about the local Iron Age history of Wilmslow was uncovered with the discovery of Lindow Man, in Lindow Moss. Preserved in the peat bogs for 2,000 years, Lindow Man is one of the most important Iron Age finds in the country. Despite a campaign to keep Lindow Man in the area, he was transferred to the British Museum and is a central feature of the Iron Age exhibition. Lindow Man returned to Manchester Museum in April 2008 for a year-long exhibition. Recent history An IRA bomb exploded near the railway station in March 1997, damaging signalling equipment. The original IRA message was confusing and led to the evacuation of the Wilmslow Police Station to the loc ...
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Britannic Assurance
Resolution plc was a UK insurance company headquartered in the City of London. It was listed on the London Stock Exchange and was once a constituent of the FTSE 100 Index but was acquired by the Pearl Group in May 2008. History Early history The Resolution Life group was formed in 2004 to provide a vehicle for life funds that have been closed to new business, but have liabilities extending many years into the future, nicknamed '' zombie funds''. The first purchase was the life insurance business of Royal & SunAlliance, followed by the purchase of Swiss Life's UK business. In September 2005, Resolution Life merged with the FTSE company Britannic Group, who had closed to new business in 2003. In 2006, the merged group bought the life business of Abbey National, a transaction of £3.6 billion that brought entry into the FTSE 100. On 30 May 2007 Resolution announced a strategic partnership with Capita which will result in the transfer of approximately two thousand staff in ...
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