Different Life's Legal Disclosures

The Summary

We are a regulated seller of life insurance business. We get paid by the insurer and not by you.

We make you offers for insurance that we think are suitable for you. We provide you with helpful guidance. But we do not provide you personalised advice or recommendations on what to buy. You choose what you buy.

We own our website and its content, and you cannot attack or steal from it. You take responsibility for how you use it and any sites linked from it.

If you have to complain you do it to us first, and the Financial Ombudsman second. There is a Financial Services Compensation Scheme if our insurers cannot pay up. We work to English law.

We will act in good faith on communications that we believe come from you.

This is only a summary to give you an overview. You need to read the complete information for the full facts.

For the full facts here is Complete Information

Who we are

Different Life Management Company Limited is registered in England under number 10660976 with our registered office at Lyttelton House, First Floor, 2 Lyttelton Road, London N2 0EF. Check us out at Companies House: companieshouse.gov.uk.

We are a life insurance intermediary authorised and regulated by the Financial Conduct Authority under the registration number 792843. Check us out on the Financial Services Register by visiting www.fca.org.uk/firms/financial-services-register/ or by calling 0845 606 1234.

What we sell

We are dedicated to selling only life insurance from Covéa Life Insurance.

What service will we provide you with?

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the products and benefits that we provide details on. You will then need to make your own choice about how to proceed.

Will your cover be suitable for me?

Life and accidental death cover meets the demands and needs of those who want to leave money to someone when they die, in addition to any assets they may have at death including other life insurance benefits.

Terminal illness cover meets the demands and needs of those who want to receive money if they are diagnosed with a terminal illness where life expectancy is less than 12 months.

Situations change and customers should regularly review whether their cover is necessary or adequate for them, or whether it might need amending.

What will you have to pay us for our service?

There is no fee for our service. The premium you are quoted is the total cost.

What is our Website?

Our Website is differentlife.co.uk, and we own it and the content on it. It contains services and products that are intended for the personal use of UK residents between the ages of 18 and 80.

Can I use the Website?

Yes; as long as you are not using for commercial purposes and as long as you do not steal the content.

We will use our best endeavours to keep our Website available and correct, but not warranty this. You will not attack it to disrupt its operation.

We cannot vouch for any websites linked from our site, and you follow links at your risk.

Can we change the Website?

Yes; we are always looking to improve it. And that includes these Terms and Conditions.

Advertising

All models depicted in our advertising have no material relationship to any brand or person mentioned in our advertising.

Feedback and complaints

We and Covéa Life aim to provide you with quality products complemented by a simple and efficient service. When we exceed your expectations it’s nice to receive that feedback, so please let us know.

If for any reason you are unhappy with the service provided you should follow the process below. Full details of complaints procedures are available. Your legal rights will not be affected by taking any of the following steps.

You can also register a complaint with the European Union’s Online Dispute Resolution platform (ODR).  Their website is http://ec.europa.eu/consumers/odr/. The ODR will simply pass your complaint to the Financial Ombudsman Service.

Different Life

If for any reason you are unhappy with the marketing or administration of your policy please contact us at:

By email:
info@differentlife.co.uk
By telephone:
020 3670 9620
By post:
Lyttelton House, First Floor, 2 Lyttelton Road, London N2 0EF
Website:
differentlife.co.uk

Covéa Life Limited

If for any reason you are unhappy with any other aspect of your policy please contact Covea Life Limited at:

By telephone:
0333 130 4543
By post:
Protection Department, Covéa Life Limited, 50 Kings Hill Avenue, Kings Hill, West Malling, ME19 4JX

Financial Ombudsman Service

If you remain unhappy you may be eligible to refer your complaint to the Financial Ombudsman Service.

By email:
complaint.info@financial-ombudsman.org.uk
By telephone:
0800 023 4567
By post:
Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR
Website:
financial-ombudsman.org.uk

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our liabilities under this insurance.

Further information is available from the Financial Services Compensation Scheme.

By email:
enquiries@fscs.org.uk
By telephone:
020 7741 4100 or 0800 678 1100
By post:
Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR
Website:
http://fscs.org.uk/


Waiver and Indemnity

In the event that you suffer loss or damage of any nature due to Different Life acting on your orders or communications, or orders or communications that purportedly emanate from you, you waive any right to take action against Different Life. Furthermore, you indemnify Different Life against all and any claims, liabilities, losses, costs, fines, damages and expenses arising because Different Life acted on your instructions or orders or instructions or orders which purportedly emanate from you.