Terms of Business
Whose Products we offer
We use a panel of leading providers who offer competitive premiums 
and leading technology to ensure we can get you cover in the shortest possible time.
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The service we will provide you with
We will offer you competitive prices from a panel of providers and arrange life insurance, critical illness and income protection cover on a non- advised basis. You are responsible for ensuring that the product chosen is suitable to meet your needs.
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Disclosure of Information
It is your responsibility to provide complete and accurate information to the Insurers when you take out your insurance policy . Any information, which might influence the provider to accept, amend or decline your insurance proposal, must be disclosed. If you are unsure about disclosing any matter please contact us for guidance.
Failure to disclose any material information to the Insurers or any inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.
Please note that under the Rehabilitation of Offenders Act 1974 you are not required to disclose convictions regarded as spent.
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Statement of Fact
When a policy is taken out the Insurer will send you a statement of fact which shows the information you have supplied. Please read this carefully as the answers detailed are your responsibility and contact us or the Insurer if you wish to make any changes.
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Awareness of Policy Terms
You should read your policy carefully. Please make sure that you understand the terms & conditions of the policy and contact us if you have any queries.
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Data Protection Act
Any information we hold about you, whether on our computer system or on paper files will be treated as private and confidential. We will use and disclose the information we have in the normal course of administering or arranging cover on the insurance policy. We may also, on occasion, use the details we hold about you within our associated companies or pass them to Third Parties so that we may tell you of new products and services, which we think may interest you by telephone, e-mail or post. If you do not wish to receive any marketing information please write to us and we will mark our records accordingly. Under the Data Protection Act 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries in respect of confidentiality and data protection please contact us.
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How to Complain
It is our intention to provide you with a high level of service at all times. In the unlikely event that you should have cause for complaint, you should write to The General Manager, eLife , MMT Centre, Severn Bridge, Aust, BS35 4BL. We will acknowledge receipt of your complaint in writing, within 5 working days and provide you with a full written response within 20 working days, or explain the current position and provide you with a timescale for a full response. We will endeavour to provide you with a final response within 8 weeks.
If you remain dissatisfied with our response to your complaint you may be able to refer the matter to the Financial Ombudsmans Service.
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
To use their service you must be eligible and your complaint must be sent to them within 6 months of our final response letter. Full details of our complaints handling procedures are available upon request.
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Claims
We have no authority to handle claims on behalf of Insurers. Where an event takes place, which may give rise to a claim under your policy; you should notify your Insurer direct as soon as possible using the contact details in your policy schedule/document.
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Cancellation of Insurance Policies
You have the right to change your mind and cancel your policy during a period of 30 days from the day your policy is put on risk. Premiums paid during this time will be refunded in full.
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Payment of Premiums
Premiums will be collected by the Insurer by means of a Direct Debit. eLife do not handle client money.
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Quotations
The initial quotation is an indicative price and assumes you are in good health with and no additional factors which may affect the premium such as taking part in a dangerous sport. Quotes are subject to acceptance by Insurers, premiums and terms are quoted subject to confirmation and agreement by Insurers. Your Insurer has the right to decline your risk, increase the premium or add exclusions.
Once you have completed the application form, the Insurer will confirm the premium and policy terms having taken into account your personal circumstances.
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Who Regulates Us
eLife is a registered trading style of E Insurance Services Ltd and is authorised and regulated by the Financial Services Authority.
You can check this on the FSAs Register by visiting the FSAs website www.fsa.gov.uk/Pages/register/ or by contacting the FSA directly on 0845 6061234.
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Statutory Rights
Agreement to our Terms of Business does not affect your normal statutory rights.
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 advising and arranging is covered for 100% for the first £2,000 and 90% of the remainder of the claim, without an upper limit.
For compulsory classes of insurance, 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.
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