Terms of Business

JSBCA Ltd t/a Low with a registered head office at Suite 28, 20 Harcourt Street, Dublin 2 specialise in the provision of Life Assurance, Serious Illness, Income Protection, Investment and Pension policies to consumers.

Authorised Status:

JSBCA Ltd t/a Low is authorised by the Central Bank of Ireland as an insurance Intermediary under the European Communities Insurance Mediation Regulations 2005. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777777 or alternatively visit their website on www.centralbank.ie to verify our credentials.

Regulatory Status:

JSBCA Ltd t/a Low is regulated by the Central Bank of Ireland. Our regulated number is 92358.


JSBCA Ltd t/a Low provide services in relation to all aspects of Life Assurance products (Term Cover, Serious Illness and Permanent Health Insurance), Investment Products such as unit linked funds and Pension Products (both corporate and personal). Our firm provides advice on life products on a fair analysis of the market. "Fair analysis of the market" means that our firm provides its life services on the basis of a sufficiently large number of contracts and product producers available on the market to enable our firm to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet our client's consumer's needs.

Remuneration Policy:

JSBCA Ltd t/a Low are remunerated by commissions from the life companies we deal with. The rate of commission payable to us is at a significantly reduced rate in line with our 'modus operandi'. Details are available on request.

Conflict of interest:

It is the policy of JSBCA Ltd t/a Low to avoid a conflict of interest when providing services to clients. Where an unavoidable conflict arises, we will advise you of this in writing before providing any business services. If you have not been made aware of any such conflict you may assume that none arises.

Complaints Procedure:

JSBCA Ltd t/a Low have in place a written procedure for the handling of complaints. This procedure ensures that all complaints are recorded and acknowledged within 5 business days. All complaints are fully investigated, and the complainant updated at intervals of not greater than 20 business days. We will attempt to investigate and resolve a complaint within 40 business days. All complaints should be directed in writing to Complaints Officer, JSBCA Ltd t/a Low.ie. In the event that a client remains dissatisfied with the handling of and/or response to a complaint they may refer the matter to The Financial Services Ombudsman.

Consumer Protection:

JSBCA Ltd t/a Low are a member of the Investor Compensation Scheme established under the Investor Compensation Act 1998. The legislation provides for the establishment of a compensation scheme and to the payment in certain circumstances, of compensation to clients of firms covered by the Act. However, you should also be aware that a right to compensation would only arise where money or investment instruments held by this company on your behalf cannot be returned either for the time being or for the foreseeable future and where the client falls within the definition of eligible investor as contained in the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90% of the client's loss, which is recognised as being eligible for compensation or €20,000.


All quotations are valid on the day they are issued for 7 days or until age next quarter, whichever is sooner. All quotations issued are assuming standard rates. The policy may be subject to medical requirements, normal acceptance criteria applies. A full copy of the insurers' policy wording, terms and conditions is available upon request. Please note full disclosure of all material facts should be made including medical history and claims. Failure to disclose all relevant information could result in your policy being cancelled, claims not being paid, difficulty in getting insurance elsewhere. You can complete and sign your application form online through our website and DocuSign. This option is only available on Mortgage Protection policies. Applications completed online are based upon certain assumptions. By completing the application online, we have assumed the following; You are repaying your mortgage on a capital and interest basis, all lives insured are resident in the Republic of Ireland and you are not replacing an existing Royal London policy.

Default Remedies:

JSBCA Ltd t/a Low actions in the event of default by the client are: Product providers are entitled to withdraw benefit or cover on default of any payments due under any products arranged for your benefit. It is therefore critical to the guaranteed continuance of your insurance that your premium is paid in full. Some insurers may include as a term of the insurance a settlement due date or in some cases a warranty under the terms of which the premium must be paid to them by a certain date. We inform our clients of such requirements and the relevant date in good time to allow the payment terms to be met. Failure to comply with the terms of the warranty may mean that the insurer's obligation under the policy will be terminated. We will automatically advise you of any payments outstanding on your policy and the consequences of failure to pay premiums. An outline of the action and remedies which the relevant product producers may take in the event of default by a client is included in the product producer's policy document.

Data Protection

The firm complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018. The data which you provide to us will be held on a computer database and paper files for the purpose of arranging transactions on your behalf. The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Privacy Notice which is given to all clients at the time of data collection, our privacy notice is also available on our website. You have the right at any time to request a copy of any 'personal data' within the meaning of the GDPR that our office holds about you and to have any inaccuracies in that information corrected. Please contact us at [email protected] if you have any concerns about your personal data

All calls, both inbound and outbound, will be recorded and may be monitored for quality, training and verification purposes.

Insurance Undertakings:

The following are a list of insurance undertakings and product producers for which letters of appointments are held;

Friends First Life Assurance Company Ltd

Royal London Mutual Insurance Society Ltd

Aviva Ireland Life and Pensions Ltd

Standard Life Assurance Ltd

New Ireland Assurance Company plc

BCP Asset Management

Zurich Life Assurance plc

JSBCA Ltd t/a Low, Suite 28, 20 Harcourt Street, Dublin 2
JSBCA Ltd t/a Low is regulated by the Central Bank of Ireland