Life Insurance

Life Assurance Online

Life Assurance Online is a site designed to help British Expats obtain a cheap quote for Life Insurance, Critical Illness Insurance, International Medical Insurance, Income Protection Insurance and other insurance products. All requests and information you provide through this site will be dealt with by Face to Face Finance (Anglia) Ltd which is regulated by the Financial Conduct Authority and recorded in the Register under no 439288. They are able to research the whole British Expats life insurance market on your behalf.

This site is intended for British Expats and those intending to become British Expats.

about our Services

Face to Face Finance (Anglia) Ltd. Face to Face House,
40 Rose Lane,
Norwich,
Norfolk,
NR1 1PN
Telephone: +44 (0)1603 625100
Fax: 01603 625101
Email: julie.hunt@ftof-finance.co.uk

1. The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
2. Whose products do we offer?
Investment
We offer products from the whole market.
  We only offer products from a limited number of companies.
Ask us for a list of the companies and products we offer.
  We only offer products from a single group of companies.
Insurance
We offer products from a range of insurers for Life Assurance, Permanent Health Insurance, Critical Illness Cover, Waiver of Premium cover, Private Medical Insurance, Accident Sickness & Unemployment cover, Buildings Insurance and Contents Insurance.
  We only offer products from a limited number of insurers
Ask us for a list of the insurers we offer insurance from.
  We only offer products from a single insurer
Mortgages
We offer mortgages from the whole market.
  We can only offer mortgages from a limited number of lenders.
Ask us for a list of the lenders we offer mortgages from.
  We can only offer a limited range of mortgages from a single lender.
3. Which service will we provide you with?
Investment
We will advise and make a recommendation for you after we have assessed your needs.
  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.
  We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:
  • Conduct a full assessment of your needs;
  • Offer advice on whether a non-stakeholder product may be more suitable
Insurance
We will advise and make a recommendation for you after we have assessed your needs for Life Assurance, Permanent Health Insurance, Critical Illness Cover, Waiver of Premium cover, Private Medical Insurance, Accident Sickness & Unemployment cover, Buildings Insurance and Contents Insurance.
  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.
Mortgages
We will advise and make a recommendation for you after we have assessed your needs.
  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.
4. What will you have to pay us for our services?
Investment
Before we provide you with advice, we will give you our keyfacts guide 'about the cost of our services'.
  We will tell you how we get paid, and the amount, before we carry out any business for you.
Insurance
  A fee, our typical charges are:Financial Adviser £150 per hourAdministration £25 per hourPlease see separate fee agreement
No fee
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
Mortgages
  A fee and we will refund any fee received from the lender
  No fee. We will be paid by commission from the lender
A fee of £250 payable at the outset and £0 payable when you apply for a mortgage. (We will also be paid commission from the lender)
You will receive a key facts illustration when considering a particular lifetime mortgage, [or further information about a particular home reversion scheme] which will tell you about any fees relating to it.
Refund of fees If we charge you a fee, and your mortgage does not go ahead, you will receive:
A full refund if the lender rejects your application but no refund if it is your decision not to proceed.
  A refund
  No refund
5. Who regulates us?
Face to Face Finance (Anglia) Ltd. is authorised and regulated by the Financial Conduct Authority.Face to Face Finance (Anglia) Ltd's permitted business is advising on and arranging investments, non-investment insurance contracts and regulated mortgage contracts.You can check this on the FCA's Register by visiting the FCA's website http://www.fsa.gov.uk/Pages/register/ or by contacting the FCA on 0800 111 6768.(Home Reversion Schemes are not regulated by the FCA.)
6. What to do if you have a complaint?
If you wish to register a complaint, please contact us. In writing: Write to The Complaints Officer, Face to Face Finance (Anglia) Ltd., Face to Face House, 40 Rose Lane, Norwich, Norfolk, NR1 1PN. By phone: +44 (0)1603 625100. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. (The Financial Ombudsman Service does not consider complaints about home reversion schemes)
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.
Investment
  Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.
Insurance
  Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Mortgages
  Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. [Home reversion schemes are not covered by the FSCS].
Further information about compensation scheme arrangements is available from the FSCS.