Protection / Insurance
Please read the following information carefully before proceeding to the quote.
On the next few pages you will be provided with a quotation and the product literature for the product you choose; please take time to read each document carefully as they each contain important information about this policy, including the potential benefits available, together with details of charges, expenses and commission involved:
- - Key Features Document;
- - Personalised Illustration;
- - Proposal Form;
- - Key Facts about our services (IDD)
- - Data Protection & Records Statement
Can I change my mind?
Should you make the decision not to proceed with your application after it has been submitted you will be able to cancel the policy within a set number of days. Full details of your cancellation rights are included within the Key Features document.
What do I do if I am uncertain whether this product is suitable?
This offer does not constitute personal advice. If you have any doubt whether this product is suitable for you should contact us for a full financial review.
When does this offer expire?
This offer does not have an expiry date; however, if you download the documentation from the site without applying, and subsequently decide to apply, you should make sure that the documentation online has not been replaced and that the quote is still valid.
How will you use any information I provide to you?
Please also see the document entitled Data Protection & Records, which describes how your information is used by Independent Financial Advisory Services to provide you with financial services advice and / or complete transactions on your behalf. It also details how your information is used in accordance with our financial services and Data Protection Act obligations. If you want to opt-out of receiving further communications from us you should complete and return this form to us.
Important Documents
The FSA requires that certain information be provided to the client prior to business being transacted so that the relationship between the client and the firm is clearly stated and understood.
Our documents use the KeyFacts logo - click on the link from more details of what this means.
Please download and read the following documents which are provided in Adobe Acrobat format:
The Above document sets out the Key facts about our services. This shows our typical terms and conditions: however, we will discuss your preferences such as how we are paid when you ask us for our advice.
Our data protection statement
Adobe Acrobat reader is available, free, from the Adobe web site. Click on the logo below:
NOTE: To download the document in Netscape, hold down the shift key and click on the link.
To download the document in Internet Explorer, right click on the link and select 'save target as'.
To open the document just click on the link.