Home & Legacy manufactures the products described on our website and within our policy documents and IPIDS.
Target market and product value details
Remuneration and pricing
Our remuneration reflects the services we deliver. Operational expenses and profit margin are considered carefully to ensure our products' value is not adversely affected.
We do not charge any administrative fees.
Our staff act in customers' best interests and are not incentivised.
The remuneration that we pay to brokers/distributors is commensurate with the service they provide to customers.
Renewal prices for customers are the same or lower than the price available for a new customer with the same risk information and cover.
Information we require from brokers/distibutors
We request information from brokers/distibutors periodically as part of our assessment of the value of our products and how they are distributed to our customers. This includes details for:
- additional products or services sold (including premium finance)
- fees charged
- distribution/sales methods.