Complaints about a Life Insurance Adviser

If the Life Insurance Adviser is regulated by the Financial Services Authority then your adviser will have given you his Terms and Conditions at his very first meeting with you. Within that document you will find details of how to complain.

If the Life Insurance Adviser is not regulated by the Financial Services Authority, then we suggest you write to the Chief Operating Officer/Managing Director at the firm from which the adviser came. You should also send a copy of your complaint to the Compliance Officer at the insurance company who issued your policy.

Please note that from early 2005, the Financial Services Authority will regulate all Life Insurance Advisers.

If the web site you use is operated by a business which is regulated by the Financial Services Authority, their site will contain their Terms and Conditions of Business (which will include a complaints procedure) and it will also clearly inform you that the business is regulated. However, the probability is that web site will not have provided any specific advice to you. If this is true, the business transacted with you comes under the definition of “execution only” and your rights of complaint become somewhat limited. You will need to refer to their Terms and Conditions.

Most web sites you will find are currently unregulated although this will change in 2005 (see above). Most of these sites do not provide personal advice although they do provide lots of useful information to help you decide for yourself. The are generally of a good or high standard although, as ever, it is important you read the documents sent to you by the insurance company to ensure that you are getting exactly what you need.

If you have a complaint about a web site through which you purchased life insurance, we suggest you write to the Chief Operating Officer or Managing Director of the company operating the web site. You should also send a copy of your complaint to the Compliance Officer at the insurance company who issued your insurance policy.

The Url for this website is owned by Alliance Internet Ltd. Alliance Internet is an IAR of Click Ltd please read the Disclosure Document for more details.