About LifePro Limited
LifePro Limited is an independent life insurance broker authorised and regulated by the Financial Conduct Authority (FCA).
- **Company Name**: LifePro Limited
- **Registered Office**: Quarry Lodge, Rock Terrace, Egerton, Bolton, BL7 9HA
- **Company Number**: 11520078 (Registered in England & Wales)
- **FCA Number**: 825944
- **Phone**: 0800 246 5191
- **Email**: info@life-pro.co.uk
You can verify our FCA authorization at register.fca.org.uk. As an FCA-regulated firm, we must meet strict standards for financial advice, customer service, and business conduct.
Use of Our Website
By accessing and using the LifePro website, you agree to the following terms:
- You will use the website lawfully and not for any illegal purposes
- You will not attempt to gain unauthorized access to our systems
- You will not transmit viruses, malware, or harmful code
- You will not scrape, copy, or misuse content from our website
- You accept that website availability is not guaranteed 100% of the time
- You understand that information on the website is for general guidance only
We reserve the right to restrict or terminate your access to the website if you breach these terms or engage in conduct we deem inappropriate.
The content on our website is provided for information purposes only. It does not constitute financial advice. For personalised advice, please speak to one of our advisors.
Our Services and How We Get Paid
LifePro provides insurance broking services, including:
- Comparing life insurance policies from multiple UK insurers
- Providing advice and recommendations based on your circumstances
- Arranging life insurance policies on your behalf
- Ongoing policy administration and customer service
We are paid by commission from insurance companies when you take out a policy through us. This does not cost you extra - the premium is the same whether you buy through us or directly. We may also receive ongoing commission for the life of your policy.
We are required by FCA rules to act in your best interests when providing advice, regardless of how we're paid.
When you engage our services:
- We will explain the different types of cover available
- We will gather information about your circumstances and needs
- We will recommend suitable policies with clear explanations
- We will handle applications and liaise with insurers on your behalf
- We will provide ongoing support for policy changes or queries
Liability and Disclaimers
While we strive for accuracy, please note the following limitations:
- **Information Accuracy**: Website content is kept as current as possible, but may not always reflect the latest information
- **Quote Accuracy**: Online quotes are indicative only. Final premiums depend on full underwriting by insurers
- **Third-Party Links**: We're not responsible for content on external websites we link to
- **Technical Issues**: We're not liable for losses arising from website downtime or technical problems
- **Policy Terms**: Your insurance policy is a contract between you and the insurer, not us
- **Professional Indemnity**: We maintain professional indemnity insurance covering up to £5 million per claim
Nothing in these terms excludes our liability for:
- Death or personal injury caused by our negligence
- Fraud or fraudulent misrepresentation
- Any other liability that cannot be excluded under UK law
If you're unhappy with our service, we have a formal complaints procedure. You also have access to the Financial Ombudsman Service for independent dispute resolution.
Intellectual Property Rights
All content on the LifePro website is owned by us or licensed to us, including:
- Text, images, and graphics
- Website design and layout
- Logos and branding
- Software and code
- Database content
You may:
- View and use the website for personal, non-commercial purposes
- Print single copies of pages for your own reference
- Share links to our website on social media
You may not:
- Reproduce website content for commercial purposes without permission
- Copy, modify, or distribute our content
- Remove copyright notices or trademarks
- Use automated systems to scrape our website
Third-party trademarks (insurer logos, etc.) remain the property of their respective owners. Use of these does not imply endorsement.
Governing Law and Jurisdiction
These terms and conditions are governed by the laws of England and Wales. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of England and Wales.
For insurance-related disputes, you also have the right to:
- Refer complaints to the Financial Ombudsman Service (free and independent)
- Seek advice from the Financial Conduct Authority
- Contact your local Citizens Advice Bureau for guidance
We encourage you to contact us first if you have any concerns. Most issues can be resolved quickly through direct communication.
Contact details for queries about these terms:
- **Email**: info@life-pro.co.uk
- **Phone**: 0800 246 5191 (Mon-Fri 9am-8pm, Sat 9am-5pm)
- **Post**: LifePro Limited, Quarry Lodge, Rock Terrace, Egerton, Bolton, BL7 9HA
