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It may therefore not be used, distributed, changed or otherwise dealt with by any unauthorised person or entity. The information may be private, confidential or legally privileged. If you as the recipient of this communication are not the intended addressee, kindly inform the sender of this communication thereof and remove it from your system.

The Finacial Intermediaries Association is not a financial services provider as defined in the Financial Advisory and Intermediary Services Act and as such does not provide any advice or an intermediary service and is not the agent or representative of the underwriter of an insurance product or of its client.

Any communication sent on behalf of an underwriter may contain advice given by the underwriter. The sender of this communication may not offer advice on any financial product. Should the recipient require any advice on a financial product, such advice should be sought from an intermediary or product supplier.

Whilst every reasonable effort has been taken in the preparation of this communication, neither the author nor the FIA assume any responsibility or liability for losses or damages that may arise as a result of the use of or reliance on this communication. This communication should also in no way be construed as constituting legal advice.