| |
About our Insurance services |
Declined Life Insurance
|
14 Mildmay House, Foundry Lane, Burnham on Crouch,
Essex CM0 8BL |
|
1. The Financial Services Authority (FSA) |
The FSA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
|
2. Whose products do we offer? |
Insurance |
|
|
We offer products from a range of insurers for Term Assurance, Income Protection Insurance and Critical Illness Insurance.
|
| |
 |
We only offer products from a limited number of insurers for private Medical Insurance, Accident Sickness & Unemployment (ASU), Insurance and Buildings and Contents Insurance.
Ask us for a list of insurers we offer Insurance from' |
| |
 |
We only offer products from a single insurer. |
3. Which service will we provide you with? |
Insurance |
|
|
We will advise and make a recommendation for you after we have assessed your needs for all types of Insurance products.
|
| |
|
You will receive limited advice from us for Term Assurance, Income Protection Insurance and Critical Illness Insurance, private Medical Insurance, Accident Sickness & Unemployment (ASU), Insurance and Buildings and Contents Insurance.
You have informed us of your requirements, and we have not offered you any specific advice on the level of cover, nor the policy features you have requested. You have already decided what cover is appropriate to your needs. We will advise and make a recommendation for you on the insurer who is most likely to accept your application for insurance, based on the requirements you gave to us.
|
| |
|
You will not receive advice or a recommendation from us we may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. |
What will you have to pay us for our services? |
Insurance |
|
|
A fee. |
|
|
No fee for Term Assurance, Income Protection Insurance and Critical Illness Insurance, private Medical Insurance, Accident Sickness & Unemployment (ASU), Insurance and Buildings and Contents Insurance.
we will receive commission from the provider
|
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
|
5. Who regulates us? |
Declined Life Insurance is a trading name of Platinum Financial Consulting which is Authorised and Regulated by the Financial Services Authority. Our FSA Register Number is 227014.
Platinum Financial Consulting is permitted to advise on and arrange investments , mortgages and insurance products.
You can check this on the FSA’s Register by visiting the FSA’s Website www.fsa.gov/uk/register or by contacting the FSA on 0845 606 1234.
|
6. What to do if you have a complaint |
If you wish to register a complaint, please contact us:
….in writing Write to : The Compliance Officer,
Platinum Financial Consulting,
14 Mildmay House ,
Foundry Lane, Burnham-on-Crouch,
Essex, CM0 8BL
….by phone Telephone 0845 83 87 811
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
|
7. Are we covered by the Financial Services Compensation Scheme (FSCS)? |
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. |
Insurance |
|
|
Insurance advising and arranging is covered for 90% of the claim, without any upper limit. , |
|
|
|
Further information about compensation scheme arrangements is available from the FSCS.
|
|
|
|
