Terms and Conditions

About our services

1. The Financial Services Authority (FSA).
The FSA is the independent watchdog that regulates financial services. This document is designed by the FSA to be given to consumers considering buying
certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?
We offer products from a range of insurers for UK medical insurance;
We offer products from a limited number of insurers for accident and term life insurance;
We offer products from a single insurer for income protection insurance;
We offer products from a single insurer for worldwide travel insurance.

3. Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs for UK medical insurance and in some cases accident and term life.Where we make a recommendation we will advise you why. You will not receive a recommendation from us on worldwide travel insurance because due to a lack of products in this market, there is little comparison we can make. In this case you will need to make a decision on whether to purchase the product from the information we have given you. You will not receive a recommendation from us on Income Protection insurance because due to lack of products in this market, there is little comparison we can make. In this case you will need to make a decision on whether to purchase the product from the information we have given you. Where we are giving advice we will tell you.

4. What will you have to pay us for our services?
Generally you will not pay a fee for our services. We are remunerated by commission payments from the insurers whose products we recommend. You will receive a quotation from us prior to taking out a policy and this will detail any fees that may relate to a specific policy.

UK Health and Life Insurance Services
11a Forge Business Centre
Upper Rose Lane
Palgrave, Diss
Norfolk, IP22 1AP

5. Who regulates us?
UK Health and Life Insurance Services, 11a Forge Business Centre, Upper Rose Lane, Palgrave, Diss, Norfolk, IP22 1AP, is authorised and regulated by the Financial Services Authority.
Our FSA Register number is 526928 Our permitted business is: advising on, arranging, and assisting with the administration of [non-investment] general insurance contracts (in this case medical and accident insurance, travel insurance or term life insurance).

UK Health and Life Insurance Services is NOT permitted to handle Client money. Any contracts we arrange will be paid directly by you to the insurer. 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. Ownership
UK Health and Life Insurance Services is a private UK company and the shares of the company are owned by the directors.

7. What to do if you have a complaint.
If you wish to register a complaint please contact us :

....in writing Write to
The Managing Director, UK Health and Life Insurance Services, 11a Forge Business Centre, Upper Rose Lane,
Palgrave, Diss, Norfolk, IP22 1AP;

....by phone Telephone 01379 643098
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

8. 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 upon the type of business and the circumstances of the claim.

INSURANCE
Insurance advising and arranging is covered for 90% of the claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS.
Message from the Financial Services Authority Think carefully about this information before deciding whether you want to go ahead. If you are at all unsure about which product is right for you, you should ask your adviser to make a recommendation.
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Contact Us



UK Health and Life insurance services

Tel : 01379 643098
Email :
sales@ukhealthinsurance-services.co.uk

11a Forge Business Centre
Upper Rose Lane
Palgrave
Diss
Norfolk
IP22 1AP


 

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