IS Financial
Within the IS Financial division we have built a team dedicated to delivering personal financial planning solutions to all our clients. Many of our general insurance clients have become clients of IS Financial.
Within this division, they continue to receive a high level of service excellence supported by industry and market knowledge in the personal protection financial planning arena.
Within the IS Financial division we provide financial planning solutions incorporating the following categories:
- Term Assurance
- Non-Profit Whole of Life
- Critical Illness
- Income Protection
We work closely with our clients ensuring all their personal financial planning needs are met and they have considered all options. We make certain that they have adequate current provision and where complex advice is needed, those that we are not able to advice on, we have preferred partners that we can recommend our clients to, ensuring they receive the best service.
| 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? | |
 | We offer products from a range of insurers for term assurance, non-profit whole of life, critical illness and income protection. |
 | We can only offer products from a limited number of insurers |
| We can only offer products from |
| 3. Which service will we provide you with? | |
| We will advise and make a recommendation for you after we have assessed your needs for term assurance, critical illness, non-profit whole of life and income protection. |
| You will not receive advice or a recommendation from us for private medical insurance, payment protection, buildings and contents. 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 this service? | |
| A fee. |
| No fee. |
| You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. | |
| 5. Who regulates us? | |
| Risk Insurance Consultants Ltd t/a IS Financial Solutions is an appointed representative of Sesame Limited, Independence House, Holly Bank Road, Huddersfield HD3 3HN which is authorised and regulated by the Financial Services Authority. Sesame Limited's FSA Register number is 150427. Sesame Limited's permitted business is advising on and arranging pure protection and general insurance contracts. You can check this on the FSA's Register by visiting the FSAÕs website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234. | |
| 6. Ownership | |
| Sesame Limited is a wholly owned subsidiary of Sesame Group Limited, which in turn is a wholly owned subsidiary of Friends Provident Distribution Holdings Limited. The ultimate holding company is Friends Provident plc. | |
| 7. What to do if you have a complaint | |
| If you wish to register a complaint, please contact us: ...in writing Write to: The Disputes Team, Sesame Limited, Independence House, Holly Bank Road, Huddersfield HD3 3HN ...by phone Telephone 0845 300 5325. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. | |
| 8. What to do if you have a complaint | |
| 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 advising and arranging is covered for 90% of the claim with no upper limit. Further information about the compensation scheme arrangements is available from the FSCS. | |