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Clifford Chance

Clifford Chance
Disha Gulati

Disha Gulati

Senior Associate

Senior Associate
Disha Gulati

Disha is a Senior Associate in the Financial Institutions Group in London. She specialises in corporate and regulatory insurance, including cross-border mergers and acquisitions, distribution agreements, corporate restructurings regulatory matters and is also Secretary of the CLLS Insurance Law Society.

  • LV= on its £530m demutualisation and sale to acquisition by Bain Capital. The transaction was proposed to be effected in stages and completed through a Part VII portfolio transfer.
  • Swiss Re on a partnership with NTUC Income on a first-in-market longevity arrangement to shield against future variation in Income's annuity book
  • QIA on its minority investment in Starling Bank
  • Swiss Re on the global reorganization of its Life Capital and Corporate Solutions business
  • Swiss Re on the sale of the ReAssure Group to Phoenix Group for £3.2 billion and the on-sale of £800 million of Phoenix Group shares to MS&AD
  • Schroders on the establishment of a wealth management strategic joint venture with Lloyds Banking Group, and related distribution arrangements
  • Legal & General on the bulk purchase annuity of a Vodafone Group pension scheme and related reinsurance and collateral arrangements
  • Slice Insurance Technologies on its exclusive U.K. insurance distribution arrangements with L&G
  • A global infrastructure fund to assist in the restructuring of its UK investments to protect the fund against foreseeable legislative changes in the UK
  • A private banking client in an intra-group asset transfer to transfer the group’s private banking business in preparation for Brexit
  • Admiral Group Plc on its Brexit-related reorganization involving the transfer of its insurance business from France and Spain to new subsidiaries by way of a cross-border merger
  • A major insurer on regulatory reviews of over 46 jurisdictions to assess whether regulated activities are carried out in such jurisdictions
  • A major insurer on a territorial review in the EEA to assess regulatory issues around general good requirements, health insurance regulation, regulatory reporting and regulatory change
  • Regulatory and governance matters, for insurers and financial institutions
  • Advising a major fund to conduct a territorial review to assess potential redomiciliation to various offshore jurisdictions
  • Advising an insurtech in respect of jurisdictional regulatory considerations relating to a potential IPO
  • Advising in respect of a pro bono matter to a major charity analysing key ESG considerations

News and client work

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Contact details

Career and qualifications

  • University of Oxford (BA (Hons) Jurisprudence) 2012
  • Joined Clifford Chance 2018, previously at Allen & Overy
  • Admitted as solicitor in England & Wales 2017