We are licensed by the Institute of Actuaries to provide a range of insurance mediation and investment advice services to business clients where these are complementary to or arise out of the professional services we are providing to you. In the normal course of events, we would expect this range to cover all the services you may require from us. However, if during the provision of professional services to you, you need advice relating to certain investment activities, we may have to refer you to someone who is authorised by the Financial Services Authority, as we are not.

We are not authorised by the Financial Services Authority. However, we are included on the register maintained by the Financial Services Authority so that we can carry on insurance mediation activity, which is broadly the advising on, selling and administration of insurance contracts. This part of our business, including arrangements for complaints or redress if something goes wrong, is regulated by the Institute of Actuaries. The register can be accessed via the Financial Services Authority website at www.fsa.gov.uk/register.

If we recommend a contract of insurance (not being a contract of large risk or of reinsurance) we will do so on the basis of a fair analysis of a sufficiently large number of contracts of insurance which are available on the market.