Company Information

• Registered Name: LifeSense Financial Services (Pty) Ltd
• Trading As: LifeSense Financial Services
• Registered Address: 65 Homestead Road, Bryanston, Sandton 2191
• Postal Address: Private Bag X 135, Bryanston 2021
• Country of Registration: Republic of South Africa

Regulatory Status

LifeSense Financial Services is an authorised Financial Services Provider (FSP) licensed by the Financial Sector Conduct Authority (FSCA) of South Africa to provide financial advisory and intermediary services as defined in the Financial Advisory and Intermediary Services Act, 2002 (Act 37 of 2002).

Services Provided

We are authorised to provide advice and intermediary services in respect of:

• Long-term insurance (life insurance, disability, critical illness)
• Short-term insurance (where applicable)
• Pension fund benefits and retirement annuities
• Collective investment schemes (unit trusts and ETFs)
• Medical schemes
• Health service benefits

Conflict of Interest

LifeSense Financial Services maintains a Conflict of Interest Management Policy in accordance with the General Code of Conduct. We are committed to managing and disclosing any actual or potential conflicts of interest. Our advisors are obligated to act in the best interest of clients at all times and to disclose any material interest or relationship that may influence the advice provided.

Remuneration

Our remuneration may include:

• Commission: Paid by product providers for the placement of financial products, as regulated by the Long-term Insurance Act and FAIS.
• Fees: In some cases, advice fees may be charged directly to clients for financial planning services. These will be agreed upon in advance and disclosed in writing.
• Administration fees: For fund administration and ongoing service delivery.

Full details of all fees, commissions, and costs will be disclosed to you before any transaction is concluded, in accordance with FAIS requirements.

Professional Indemnity

LifeSense Financial Services maintains Professional Indemnity insurance as required by the FSCA, providing cover for claims arising from professional negligence in the rendering of financial services.

Compliance

Our compliance function ensures adherence to all applicable legislation, including:

• Financial Advisory and Intermediary Services Act (FAIS)
• Financial Intelligence Centre Act (FICA)
• Protection of Personal Information Act (POPIA)
• Pension Funds Act
• Long-term Insurance Act
• General Code of Conduct for Authorised FSPs

Contact

For disclosure-related queries:
Email: info@lifesensefs.co.za
Phone: +27 (0) 86 100 0079