Financial Advisory and Intermediary Services Act Disclosure

This disclosure is provided in accordance with the Financial Advisory and Intermediary Services Act (FAIS). The purpose of this notice is to provide clients with important information about All United, the services we provide, and the regulatory framework under which we operate.

About All United

Business Name: All United
Business Type: Insurance Broker
Authorised Financial Services Provider (FSP)

FSP Number: 44097

All United is authorised to provide financial services in terms of the Financial Advisory and Intermediary Services Act. This authorisation allows us to provide advice and intermediary services related to insurance products.

Services provided

All United provides services including:

  • insurance advice

  • arranging insurance cover

  • policy comparisons

  • policy administration

  • policy amendments

  • claims support

  • ongoing client service

We assist clients with selecting appropriate insurance products based on their individual needs and circumstances.

Product providers

All United works with a range of insurance companies and underwriting managers in order to obtain suitable cover options for our clients.

These may include:

  • short-term insurance providers

  • underwriting managers

  • specialist insurance product providers

Full details of the relevant product provider will be provided when quotations or policy documentation are issued.

Remuneration

As an insurance broker, All United may receive commission from insurance companies for arranging and servicing policies.

Commission structures are regulated by South African legislation and are included in the premium charged by the insurer.

Where applicable, additional fees will be disclosed to clients before they are charged.

Professional indemnity insurance

All United maintains professional indemnity insurance as required by regulatory standards.

This cover is designed to provide protection to clients in the unlikely event of professional negligence.

Conflict of interest policy

All United maintains a Conflict of Interest Management Policy in accordance with regulatory requirements.

This policy aims to ensure that our advice and services remain fair, objective, and focused on the interests of our clients.

Clients may request a copy of this policy at any time.

Complaints procedure

If you are dissatisfied with any service provided by All United, you have the right to lodge a complaint.

Complaints should first be directed to:

All United Complaints Department

Phone: 087 234 9550
Email: info@allunited.co.za

If a complaint cannot be resolved internally, you may have the right to refer the matter to the appropriate dispute resolution channel.