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theidol.com
Your Personal Illustration and Key Features Document

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www.theidol.com Investment Discounts On-Line Ltd • 3 Mason Court • Penrith 40 Business Park • Penrith • Cumbria • CA11 9GR e-mail : customerservices@theidol.com • telephone : 0844 980 8601 • fax: 0844 980 8620
Investment Discounts On-Line Ltd is authorised and regulated by the Financial Services Authority. theidol.com is a trading style of Investment Discounts On-Line Ltd.

about our insurance services

Please read the following information carefully.

Investment Discounts On-Line Ltd 3 Mason Court, Gillan Way Penrith 40 Business Park Penrith Cumbria CA11 9GR theidol.com is a trading style of Investment Discounts On -Line Ltd 1. The Financial Services Authority (FSA)

theidol.com
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The FSA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you. 2. Whose products do we offer?

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We offer products from a range of insurers for level term insurance, mortgage life protection insurance and critical illness. We only offer products from a limited number of insurers for level term insurance, mortgage life protection insurance and critical illness. We only offer products from a single insurer for level term insurance, mortgage life protection and critical illness.

3. Which service will we provide you with? We will advise and make a recommendation for you after we have assessed your needs.

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You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for our services? A fee.

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No fee for arranging non investment insurance contracts.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy 5. Who regulates us? Investment Discounts On-Line Ltd, 3 Mason Court, Penrith 40 Business Park, Penrith, Cumbria, CA11 9GR is authorised and regulated by the Financial Services Authority. Our FSA Register number is 197451. Our permitted business is arranging non investment insurance contracts. You can check this on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. 6. Loans and Ownership Legal & General owns 49% of our share capital. 7. What to do if you have a complaint If you wish to register a complaint, please contact us: ...in writing : Write to Investment Discounts On-Line Ltd, 3 Mason Court, Penrith 40 Business Park, Penrith, Cumbria, CA11 9GR ...by phone : 0844 980 8601 ...by email : customerservices@theidol.com If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. 8. 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 90% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Information about the product you have chosen - Please Read
The statement below describes the purpose of the product you have chosen, please read it carefully to ensure the the product meets your needs.

Demands and Needs Statement

The Financial Services Authority is the independent financial services regulator. It requires us, Aviva, to give you this important information to help you to decide whether our LIFE INSURANCE is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference. ILLUSTRATION FOR LIFE INSURANCE Prepared for Mrs Samantha Reid and Mr Stephen Reid on 13/6/2013.