We do this so as not to confuse our customers who, when reading a generic document, may think they are getting one level of service rather than the service level the company thinks they are receiving.

However ALL customers will receive an initial disclosure document that is relevant to the product or business they select before any policy or product is sold to them.

You can use the following links to read our annuity disclosure document and our income drawdown disclosure.

To give you an indication of our approach to conducting business, the statements below represent the approach taken with the majority of customers.

With very few exceptions, we do not make a personal recommendation and most products are sold on a non-advised basis. The customer will decide if the policy is appropriate to their needs.

We offer policies from the whole of the UK market for annuities, and a restricted panel for income drawdown.

Platinum Financial Consulting is permitted to advise on and arrange investments ,mortgages and insurance products.

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

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.

Customers choosing a non-advised service will not have access to FSCS if at some point in the future they believe they have purchased the wrong product, however they will still be protected by the FSCS if their product provider is unable to meet their obligations.

Annuity and income drawdown advising and / or arranging is covered for 90% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.