In accordance with the Sustainable Finance Disclosure Regulation (‘SFDR’).  Based on the Size, Nature and Scale of our business we inform you that in our advice with regard to insurance-based investment products (‘IBIPs’) we assess, in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation the products proposed / advised on. More specifically, this means that we assess environmental, social or governance events / conditions that, if they occur, could have a material negative impact on the value of the investment.

What is a sustainability risk? A sustainability risk is an environmental, social or governance event or condition that, if it were to occur, could cause a real or potential negative and material impact on the value of an investment.
What is a sustainable investment? A sustainable investment is one that contributes to an environmental objective (measured by certain indicators such as the use of energy, greenhouse gas emissions or its impact on biodiversity and the circular economy2,) or a social objective (for example tackling inequality, fostering social integration or labour relations), provided that the entities in which we invest or whose debt securities we purchase and do not significantly harm any of those objectives and follow good governance practices (especially around sound management structures, employee relations, staff remuneration and tax compliance)

Types of Insurance based investment products where Sustainable Finance is assessed:
• Savings
• Investments
• Pensions (Both Pre & Post Retirement)

In order to give the customer every opportunity to consider environmental fund options we have the following processes in place:
• Through pre-assessment staff will identify if the customer has an interest in Sustainable Finance.
• If yes:
        We will explain & identify the type of investor you are when considering sustainable finance.
        We will agree a percentage you are happy to invest in such products
        We will recommend suitable funds and match these to your risk profile.
        If funds are not suitable we will explain why and match you with more suitable funds.
• If No:
        We will document the discussion and outcome.  You have the option to change your mind at any time and we can review the selection again.  
• Life companies will have a list of funds ESG compliant where we will match the suitability to the customer. 

There is no change to the Remuneration we receive from life companies in order to provide the additional advice and services for sustainable Financing.