Life Assurance Key Facts for when No Advice is given


	about our services

	Save On Limited
		33, The Old Wharf
		Oreston
		Plymouth
		PL9 7NP


-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 Level Term Assurance, Decreasing Term Assurance and Critical Illness Cover, Family Income Benefit, Permanent Health Insurance and Private Medical Insurance.
	We only offer products from a limited number of insurers.
	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 Level Term Assurance, Decreasing Term Assurance and Critical Illness Cover.
	You will not receive advice or a recommendation from us for Level Term Assurance, Decreasing Term Assurance and Critical Illness Cover, Family Income Benefit, Permanent Health Insurance and Private Medical Insurance. 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 ?
Insurance
	No fee. We will be paid by commission from the lender / company.
	A fee.
You will receive a quotation, which will tell you about any other fees relating to any particular insurance policy.

-5. Who regulates us ?
Save On Limited, 33, The Old Wharf, Oreston, Plymouth PL9 7NP and is authorised and regulated by the Financial Services Authority. Our FSA Register number is 301774.
Our permitted business is advising on and arranging non-investment insurances.
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 Save On Limited, Complaints Department, 33, The Old Wharf, Oreston, Plymouth PL9 7NP
… by phone Telephone (01752) 40 80 40
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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.