• New Ireland Assurance
• Irish Life
• Friends First
• Eagle Star
• Canada Life
• Hibernian Life and  Pensions
• Standard Life
• Caledonian Life
• Custom House Capital Limited
• Wealth Options
• Independent Trustee Company

Power Life & Pensions Limited is authorised to advise on any and all of the above mentioned product producers products which includes life assurance policies, serious illness and other protection policies, pension policies and other related retirement policies, savings and investment life assurance policies.

Power Life & Pensions Limited may receive commission and other payments from product producers which accept policies proposed from you. Summary details of these payments will be included in a product disclosure document before a proposal for a product is completed by you and full details will be provided at policy issue stage.

Power Life & Pensions Limited policy is to avoid any conflict of interest when providing business services to its clients. However, should an unavoidable conflict arise we will advise you of this in writing before proceeding to provide any business service. If you have not been advised on any such conflict you are entitled to assume that none arises.

Power Life & Pensions Limited is a member of the Investor Compensation Scheme, which provides certain remedies to eligible clients in the event of default by the firm. The main details of the operation and conditions of the scheme are below.

Power Life & Pensions Limited will if necessary exercise its legal rights to receive any payments any payments due to it from clients for business services provided by the firm. Details of the effect of any default on payments due under products arranged for your benefit will be included in the product producers relevant policy terms and conditions.

Complaint Handling Procedure

If you have any complaint in relation to the business services provided by the firm you should outline the nature of your complaint to the firm in writing. The complaint will be fully investigated by Power Life & Pensions Limited and a full response will be provided to you. While our investigation of any complaint is ongoing we will provide you with a regular written update. In the event that you are dissatisfied with the outcome of a complaint or if your complaint is not resolved within four months you are entitled to refer your complaint to the Financial Regulator.

Details of the Investor Compensation Scheme

1. The Investor compensation Act 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances of compensation to certain clients (know as eligible investors) of authorised investment firms, as defined in that Act.

2. The firm is a member of that compensation scheme.

3. Compensation may be made payable where money or investment instruments owed or belonging to clients and held, or in the case on investment instruments, administered or managed by the firm, cannot be returned to those clients for the time being and there is no reasonably foreseeable opportunity of the firm being able to do so.

4. A right to compensation will arise only:

• If the client is an eligible investor as defined in the Act
• If it transpires that the firm is not in a position to return client money or investment instruments owed or belonging to clients of the firm and;
• To the extent that the client’s loss is recognised for the purposes of the Act.

• 90 per cent of the amount of the client’s loss as recognised for the purposes of the Investor Compensation Act, 1998, or
• compensation of up to €20,000