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- © IFA is a division of Clientèle Life Assurance Company Limited. Clientèle Life Assurance Company Limited is an authorised financial services provider (FSP Number: 15268).
  
  All terms and conditions are subject to the overriding provisions of the IFA Contract and the IFA Rules and nothing contained herein shall be deemed to vary or amend any provisions of the IFA Contract nor the IFA Rules.
  
  Long-term insurance policies are underwritten and administered by Clientèle Life Assurance Company Limited, an authorised financial services provider and registered insurer: FSP 15268. Premiums escalate by 10% and benefits escalate by 6% annually.
  
  Short-term insurance policies are underwritten and administered by Clientèle General Insurance Limited, an authorised financial services provider and registered insurer: FSP 34655. This is a monthly renewable policy with premiums and legal benefits escalating by 10% annually.
  
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