Terms of Service

About our services

Nightingale Protection Ltd provides independent protection insurance advice to individuals, families and businesses. We are authorised and regulated by the Financial Conduct Authority (FCA). Our FCA reference number will be displayed on the Financial Services Register.

Scope of advice

We provide advice on non-investment insurance products only. This includes life insurance, income protection, critical illness cover, and business protection. We do not provide advice on investments, pensions, mortgages, or other financial products.

Our service

We offer independent advice, meaning we can consider products from across the whole market. Our recommendations are based on your individual circumstances and objectives, not sales targets or insurer incentives.

All advice is provided in writing, and you will receive a clear explanation of why a particular product is being recommended before any application is submitted.

Fees and remuneration

In most cases, we do not charge a separate advice fee. If a policy is arranged, we receive commission from the insurance provider. All costs, fees and commissions will be disclosed clearly before you decide whether to proceed with any recommendation.

Your responsibilities

It is important that you provide accurate and complete information during the advice process. Failure to disclose relevant information may affect the validity of any insurance policy arranged.

Website content

Information on this website is provided for general guidance only and does not constitute personal advice. The content is subject to change without notice.

Limitation of liability

While we take care to ensure the accuracy of information on this website, we accept no liability for any loss or damage arising from its use. Professional advice should always be sought before making financial decisions.