Gunn Robinson O’Higgins Financial Services Ltd. is a life insurance broker which is in a position to place your business with most of the country’s leading financial institutions. This firm does not have “tied” relationships with any institution that would compromise our ability to offer you independent advice and choice. This firm is also a member of the Irish Brokers Association (IBA).In order to offer our clients Best Advice, every effort has been made to obtain information on all relevant products. You should note that product information from Ark Life, Lifetime and Quinn Life is not available.


Consumer Protection

Gunn Robinson O’Higgins Financial Services Ltd. is a life insurance broker regulated by The Central Bank Of Ireland pursuant to the Investment Intermediaries Act, 1995 and the Insurance Act 2000 to provide insurance and investment services.


Investor Compensation Company Ltd (ICCL)

Gunn Robinson O’Higgins Financial Services Ltd. is a member of the investor compensation scheme established under the Investor Compensation Act, 1998. This legislation provides for the establishment of a compensation scheme and to the payment, in certain circumstances, of compensation to clients of firms covered by the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90% of your loss which is recognised for the purposes of the Investor Compensation Act, 1998; or compensation of up to €20,000 In addition to the Compensation available under the above Act, Gunn Robinson O’Higgins Financial Services Ltd. is bonded through its membership of IBA for €250,000 with an upper limit of €100,000 per client.


Handling Client’s Money

Gunn Robinson O’Higgins Financial Services Ltd. will accept payments in cash and by cheque in respect of all classes of insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995. Gunn Robinson O’Higgins Financial Services Ltd. is not authorised to accept cash or negotiable instruments in any other circumstances. Every effort is made to ensure that clients money is transmitted to the appropriate product producer without delay, no interest is payable on such accounts. Gunn Robinson O’Higgins Financial Services Ltd. recommends that all cheques or negotiable instruments are made payable to the appropriate product producer.

Type of Products

	Lump Sum Deposit / Investments
	Regular Contribution savings plans in various types of non-linked and unit linked funds
	Pension Planning and Retirement Income Plans
	Life assurance, Serious Illness, Income Protection

Receipts

Gunn Robinson O’Higgins Financial Services Ltd. shall issue a receipt for each payment to Gunn Robinson O’Higgins Financial Services Ltd. received. This is required pursuant to Section 30 of the “Investment Intermediaries Act 1995”. These are issued with your protection in mind and should be retained by you.


Conflicts of Interest

It is the policy of the Company to avoid any conflict of interest when providing business services to our clients. However, where unavoidable conflict may arise, we will advise you of this in writing before proceeding with any business service. If you have not been advised of any such conflict you are entitled to assume that none arises/exists. Product producers may withdraw benefits or cover on default of any payments due under any products arranged for your benefit. Details of these provisions will be included in your product terms and conditions.


Remuneration Policy

Gunn Robinson O’Higgins Financial Services Ltd. Is remunerated by commission/fees for the arranging of investments, life, pensions etc. Where a fee is charged this will be clearly shown and agreed in advance. Summary details of commission payments are included in your product information document. Commission details will also be included with your cooling-off letter


Complaints

Our company has in place a set, effective, written procedure for the handling of complaints made by clients. This guarantees that all complaints will be centrally recorded and complaints received in writing will be acknowledged within 14 days of receipt. It is our policy that any complaint made against us will be fully investigated and the results of the investigation will be made available to the complainant in writing. It is our policy that any complaint will be handled swiftly and efficiently and brought to a satisfactory conclusion as soon as possible.
In the unlikely event that a client is still dissatisfied with our handling of the complaint or our response, the client may refer the matter to:

Irish Brokers Association	The Central Bank of Ireland	Financial Services Ombudsman’s Bureau
87 Merrion Square Dublin 2	P.O. Box 9138 College Green Dublin 2	3rd Floor Lincoln House Lincoln Place Dublin 2

Life Companies with whom Gunn Robinson O’Higgins Financial Services Ltd. have an agency:
1) Caledonian Life 2) Phoenix Ireland Ltd 3) Irish Life Assurance Plc 4) New Ireland Assurance Company Plc 5) Aviva Life	6) Canada Life Ireland 7) Zurich 8) Standard Life 9) Friend First

Data Protection

Gunn Robinson O’Higgins Financial Services Ltd. is Data Controller as defined in the data protection act 1998 -2003. We take great care with your information to make sure it is used for legitimate purposes only. You may request a copy of any personal Data within the act.


Statutory Codes

Gunn Robinson O’Higgins Financial Services Ltd. is subject to, and complies with, the Consumer Protection code, Minimum competency code and the Fitness and probity standards as laid down by The Central Bank Of Ireland. The details of these codes can be found on www.centralbank.ie


Acknowledgment of Receit of Terms of Business

I acknowledge receipt of these Terms of Business. I also authorise you to hold my Personal Data on file, to contact me in writing, by phone, or email in respect of Insurance matters

Signature of Client _______________________

Date _________________