About Kingston Unity

Long-Term Saving With a Difference

We’re totally different to banks because we’re owned by our Members. We’re run for the benefit of you and your family, not for shareholder profit. Our offices are based in Yorkshire, but we have Members throughout the UK. We’ve helped hundreds of thousands of Members to secure their financial futures with a range of tax-efficient savings and investment options. We’ve been helping since 1840 and we’ve always invested exclusively for our Members.


We’re friends for life…

Kingston Unity - An alternative long term savings option

Over 100,000 Members making the most of their savings

The way people save has changed, but our commitment to your savings hasn’t. We are very proud of our heritage and mutual status. We’ve helped hundreds of thousands of Members, their children and grandchildren, to make more of their money with tax-efficient savings and investment products. Our vision is to develop a modern Friendly Society that caters for and secures the financial futures of our Members and their families through the communication of our Member first values ensuring that our Members are stronger as a group and have access to the benefits that the Society can provide them when they need it the most.

We’re run for you

As a Friendly Society, we’re owned by our Members. Everyone that opens a product with us automatically becomes a Member. With no shareholders to pay dividends to, our surplus profits are shared by our Members.

We’re Secure

We’ve been looking after our Members’ money for over 178 years. We’re a Member of the Association of Financial Mutuals (AFM) and your money is protected by the FSCSMany of our products come with money back guarantees for added peace of mind.

We’re fair

Our products invest in our expertly-managed With Profits fund, where Members gain a fair share in the fund’s returns. This is distributed as a bonus and once added to the account, can’t be removed.

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

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.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

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

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. 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.

Most types of insurance business are covered for 90% of the claim with no upper limit.