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Policy Documents

We have detailed below the various standard policy conditions from the insurers with whom we hold agencies. The policy conditions attached are based on information obtained for the relevant insurance companies. It should be noted that no responsibility is taken for errors or omissions. If any conflict arises between these documents and the Policy Conditions as per the Policy Document received on policy issue, the documents received on policy issue will apply. Any queries can be directed to the offices of PFP Financial Services (trading as SmartQuotes) on 1890 989 886.


Term Assurance / Life Assurance

Mortgage Protection

Income Protection

Over 50's

Specified Illness

Illness Comparison


Home Insurance

Where generic policy documents were not available, The relevant terms and conditions have been included