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Contact us today on: 01924 240164 | enquiries@kingstonunity.co.uk

Intermediaries

Think Local, Think Global

They say small is beautiful, and we like to think that Kingston Unity is both! We are small enough to offer a personal service – including answering the phone ourselves! – but we’re also big enough to provide real benefits for our members, and handle the serious business of investing our members’ money.

We also don’t sit quietly on the sidelines. Kingston Unity has contacts at the highest levels of the financial services industry and Government, and enjoys links to a UK-wide, and even worldwide community, of organisations across the globe who share the common values of mutuality.

Our affiliation to the Association of Financial Mutuals ( AFM ) means that while we remain independent, we are also part of a global network of organisations who are working to protect, retain and deliver the benefits of mutuality to individuals across the country, and across the world.

The Association of Financial Mutuals is the trade body that represents mutual insurers, friendly societies and other financial mutuals in the UK. It formed in January 2010 and came about through the merger of the Association of Mutual Insurers ( AMI ) and the Association of Friendly Societies ( AFS ).

Our Friendly Society registration number is 775F

Further Information

Where is my money invested?

Find out more about the Kingston Unity With-Profits Fund

Your peace of mind

Kingston Unity has been providing a range of health and life benefits since 1840

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.

I have read the above