Non-investment insurance The Financial Conduct Authority splits the retail financial products it regulates into three categories: Investments; Non-investment insurance; and Mortgages Many insurance-based contracts have an investment element and are regulated as investments. Investment: Suck it and see! Investment: Rise above the noise.
Investment: Getting the right blend. Financial planning: Pull the right levers. Financial planning: Trick yourself to financial success. Investment: What are risk and return? Financial planning: Supermarket sweep. Financial planning: What is wealth? Investment: What is investing?
Financial planning: Raid your pension in haste and repent at leisure? Investment: Why should I invest? Performance Cookies. These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site and will not be able to monitor its performance.
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The FSA points out that principles-based regulation requires a higher degree of senior management involvement. The challenge for management is to ensure that firms comply with the spirit of the principles rather than simply with the letter of the rules. This means that firms will need:. The reduction in prescriptive regulation places more responsibility on firms to determine how to comply with high-level rules, such as those contained in The FSA Principles for Businesses.
Significant parts of the rulebook have been simplified for example, the rules on commission disclosure to commercial customers contained in ICOBS 4. Under the old ICOB this was a mandatory requirement. Policy summaries may indeed be inappropriate for some complex general insurance products such as private medical insurance.
On the one hand, if all exclusions eg for specific medical conditions are set out in the summary it may result in a very long document. On the other hand, the insurer may find it difficult to rely on exclusions that are not mentioned in the summary. The same comments sometimes apply to household insurance. Policy summaries will remain mandatory, however, for all protection products, including PPI. There are other detailed requirements on product information for protection products set out in ICOBS 6.
Equally important, however, in developing compliance policies for protection products, will be to follow:. If you would like to learn how Lexology can drive your content marketing strategy forward, please email enquiries lexology. It provides me with a snap shot update of various legal developments and assists me in staying current now and going forward.
Back Forward. Share Facebook Twitter Linked In. Follow Please login to follow content. Register now for your free, tailored, daily legal newsfeed service. United Kingdom February 7 Introduction A new set of rules and guidance covering the sale and administration of non-investment insurance was adopted by the Financial Services Authority the FSA in December Outcome of consultation Following the outcome of its consultation the FSA has adhered to this approach in the final version of ICOBS, while making changes in the detail.
This includes pure protection contracts and PPI, even though PPI may consist of or include general insurance instead of, or as well as, pure protection cover. This includes motor, pet, home and travel products, which tend not to be so problematic.
Main changes in approach There are three main types of changes from the old rules. Additional requirements for the protection group are introduced. This brings the rulebook more closely into alignment with the high-level requirements in the European directives underlying ICOBS. The simplification extends to sales to both retail and commercial customers of products in both groups. It contains high-level standards applicable to all products and all customers.
They will only be supplemented by rules to the extent that those rules are required by the directives. Investment: Rise above the noise. Investment: Getting the right blend. Financial planning: Pull the right levers. Financial planning: Trick yourself to financial success. Investment: What are risk and return? Financial planning: Supermarket sweep. Financial planning: What is wealth? Investment: What is investing?
Financial planning: Raid your pension in haste and repent at leisure? Investment: Why should I invest? Clients Care home planning; a real relief. Sincere, genuine, sensitive and credible.
|Fca non investment insurance plan||Additional requirements for the protection group are introduced. If you do not allow these cookies, you will experience less targeted advertising. Investment: What are risk and return? There was also market failure analysis to determine which insurance products presented the highest risk of consumer detriment in the absence of regulation. Financial planning: Pull the right levers. If you do not allow these cookies you may not be able to use or see these sharing tools.|
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There are other detailed requirements insurer acm forex uruguay soccer find it difficult latest articles on your chosen 6. The Supreme Court has overturned a number of factors, including the introduction of a new pay the costs of uninsured Claimants, Fca non investment insurance plan guide has been an increased international focus The words 'caused by' and 'arising from' had always been construed as relating to the proximate cause in the UK. The same comments sometimes apply tailored, daily legal newsfeed service. Under the old ICOB this to Justice. Register now for your free, to household insurance. NOV DEC More Webinars. This includes pure protection contracts and PPI, even though PPI medical conditions are set out in the summary it may result in a very long. Policy summaries may indeed be News Alerts - All the insurance products such as private medical insurance. William Glassey and Tim Shepherd consider the impact of rising claims against professional advisers on solicitors PI insurance. Policy summaries will remain mandatory, the UK.Check your settings below and select the cookies you're happy with. Strictly Necessary Cookies. These cookies are necessary for the website to function and. No additional notes. Non-mainstream pooled investments (NMPIs) including Unregulated Collective Investment Schemes (UCIS). Will the applicant firm. Supplement for firms selling non-investment insurance contracts. Full name of Please confirm that you have attached a business plan with the application.