What is the Finance & Leasing Association?

The Finance & Leasing Association (FLA) is the major UK representative body for the UK finance and leasing industry. They set out standards of good practice for the finance and leasing industry and assure all who obtain finance from full members of their organisation that they are doing business with reputable organisations.

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Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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How much will the premium be?
Your premium reflects the level of cover you want and how long you want to be insured for. It also reflects the risk to the Insurance Company that you may make a claim. This risk is conditioned by your age, sex, occupation, health record and life style etc.
Will your medical history affect your premium?
Yes, your medical history is a very important factor.
Does your age affect your premium?
Yes, your age is one of the most important aspects that determines your premium. (Other important aspects include the level of cover you want, whether you are male or female, whether you are a smoker, your occupation and health record.)
What happens If I stop Paying my Premiums?
Your policy will be automatically cancelled. If this is what you want you need take no action and your insurance cover will cease. You have no commitments to make further payments.
Can A Claim Be Made If The Policy Is Lost?
Yes. Simply contact the Insurance Company and they’ll send a “Lost Policy Claim Form”.
They have a range of commitments that ensure best practice for members and consequently, a good service for customers:

  • Act fairly, reasonably and responsibly in all their dealings with you;
  • Ensure that all services and products comply with this Code, relevant laws and regulations;
  • Not discriminate between consumers on grounds of race, gender, disability, ethnic origin or sexual preference;
  • Assist you when you are seeking information and/or guidance;
  • Act with integrity and try to ensure that credit brokers, and all other suppliers of goods and services with whom we do business, do likewise;
  • Respect confidential information provided by you;
  • Correct errors and handle complaints speedily;
  • Consider cases of financial difficulty sympathetically and positively;
  • Follow any Guidance Notes issued by the Association, where relevant;
  • Provide adequate training for our staff to ensure that the procedures they follow reflect the commitments set out in this Code;
  • Make copies of their Code freely and readily available to consumers.