Codes of Conduct
Planalife Ltd t/a Planalife Financial is subject to the Consumer Protection Code, Minimum Competency Code and Fitness and Probity standards which offer protection to consumers. These codes can be found on the Central Banks website www.centralbank.ie
Our Services
We are an Insurance and Investment Intermediary. Our principal business is to provide advice and arrange transactions on behalf of our clients in relation to life, pensions & investments. We are not under a contractual obligation to conduct Insurance distribution business exclusively with one or more Insurance Undertakings and do not give advice on the basis of a fair and personal analysis, we do however provide advice from the selection of products provided by the Companies we have agencies with. We recommend the product which in our professional opinion, is best suited to your needs and objectives from this selection of products.
As part of the process when giving our clients advice on Investments we will need to gather information with regards your investment knowledge and experience, if this information is not provided, we will not be in a position to determine whether the product is appropriate for you.
For a full list of Providers, we have an agency with see below:
Investment and Life Companies
- Aviva Life and Pensions Ireland DAC
- BCP Asset Management DAC
- Bespoke
- Blackbee Investments Limited
- Broker Solutions
- Cantor Fitzgerald Ireland Ltd
- Conexim
- Davy Select
- Friends First
- Greenman
- Independent Trustee Company Limited
- Irish Life Assurance Plc
- Newcourt
- New Ireland Assurance Co plc
- Phoenix Life Ltd
- Royal London Insurance DAC
- Standard Life International DAC
- Wealth Options
- Quest Retirement Solutions
- Zurich Life Assurance plc
Disclosure of Information
We act as your representative to the companies we have agencies with, and we will provide assistance to you for any queries you may have in relation to the policies or in the event of a claim during the life of the policies and we will explain to you the various restrictions, conditions and exclusions attached to your policy. However, it is your responsibility to read the policy documents, literature and brochures to ensure you understand the nature of the policy cover. Material information about medical history, non-smoker status, occupation category and any hazardous pursuits are central to underwriting decisions and it is imperative all information you provide to the insurer is accurate and complete.
You are under a duty to answer all questions posed by the insurer or ourselves on your behalf, honestly and with reasonable care.
It is presumed, unless the contrary is shown, that you would know all questions in an application or at renewal are material to the risk undertaken by the insurer or the calculation of the premium by that insurer, or both. Any failure to disclose material information may invalidate a claim and render your policy void.
You must inform and disclose any material information including any material changes that might take place between the time you complete an application form and the time you pay the first premium.
To assist us in providing you with a comprehensive service and to keep our records as up-to date as soon as possible, please notify us of any changes to your personal circumstances, e.g., name change, change of address, etc.
