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Legal & General Investment Management; Legal & General Capital; By accepting the Terms and Conditions or otherwise using this Site, you confirm and represent to us that you are a person who come within one of the categories of persons set out in Part 1 Schedule 6 and 7 of the Capital Markets and Services Act 2007 of Malaysia, as amended from time to time (“CMSA”). 19 Par-La-Ville Road Ground Floor Hamilton HM11 Bermuda. Past performance is not a guide to future performance; The value of investments and the income from them may go down as well as up and you may not get back the amount invested; and. LGIM's capital stock is £4.75million Pounds Sterling. Legal & General, L&G, L&G –EVERY DAY MATTERS and the Legal & General Logo are registered trade marks of Legal & General Group PLC and are used by Fairmead Insurance Limited under licence. All copyright in the indices values and constituents lists which may be published on the Site, from time to time, may belong to a third party licensor including, without limitation, FTSE International Limited ("FTSE"). The scheme’s trustee has, … Legal & General Investment Management Ltd. is registered with the Norwegian Financial Supervisory Authority to provide cross-border investments services in Norway in accordance with Article 31 in MiFID-Directive and Norwegian legislation. If you wish to re-produce in full any article on the Site, you should contact us directly for authorisation and if granted, we will require you to include an attribution to us when re-producing that article. A commercial Corporation of London car park is located  on London Wall. Faye Bennett PR Manager Legal & General Capital Email: faye.walters@lgim.com. Contact Legal and General Homes Get in Touch Should you have an emergency and are within your Legal & General Homes warranty period, please contact our 24 hour emergency service provider NPA on 0345 117 0660 who will be able to assist you in our absence. For further information please phone National Rail Enquiries on 08457 484950. Registered in England with number 01417162. LGIM is registered with Companies House under 02091894. You should carefully read the policy documentation and/or terms and conditions relating to any specific product before purchasing. 2091894) and entered on the Financial Services Register number 119272. attack our Site via a denial-of-service attack or a distributed denial-of service attack. In our Privacy Policy, under the "Information we collect" section, the following additional terms apply: We intend to use your personal data in direct marketing and may not do so without your consent. 301-810-4927 Direct. Where such indices feature on the Site, Legal & General has obtained full license from the relevant licensor to use such copyright in the creation of the contents of the Site. 571) (the "Ordinance"). This provision does not affect your statutory rights. The Site is intended for use by persons who are 'wholesale investors' within the meaning of the FMCA only. In choosing to buy any Legal & General product from this site you should not rely solely on the information contained within the site pages. You should carefully read the policy documentation and/or terms and conditions relating to any specific product before purchasing. misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful; attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site; or. Harriet de Beaufort-Suchlick PR Manager Legal & General Capital T: +44 (0) 20 3124 4879 Email: HarrietdeBeaufort.Suchlick@lgim.com. People are living longer, which means that pension savings need to last longer. In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of the Republic of Singapore.". The wording in section "Telephone Recording" shall be read as follows: "As required under applicable laws, LGIM will record all telephone and electronic communications and conversations with you that result or may result in the execution of transactions in financial instruments on your behalf. If you are a … For General Agencies. Contact Legal and General Homes Get in Touch Should you have an emergency and are within your Legal & General Homes warranty period, please contact our 24 hour emergency service provider NPA on 0345 117 0660 who will be able to assist you in our absence. The provision of any information in this Site does not constitute an offer to Japense persons to purchase securities. This agreement is drafted in the English language. Legal & General Surveying Services. Legal & General Investment Management Limited, Legal & General Assurance (Pensions Management) Limited, any persons who are required to pay a minimum upfront subscription amount of at least NZ$750,000 each on acceptance of any offer of financial products made to those persons and before the allotment of those financial products; or. We are not licensed or authorised to carry on any regulated activity (as defined in the CMSA) in Malaysia and none of the information or documents contained or made available on this Site shall be construed as advice of any kind (including financial, investment, tax or legal). The Site may contain links to third party websites and/or the content of third parties ("Third Party Content"). Legal & General Investment Management is one of Europe’s largest asset managers, offering investment solutions to a broad range of clients globally. spamming; (v) are unrelated to the topic the message is posted under; (vi) include contact details such as phone numbers, postal or email addresses; (vii) constitute advertising of products and / or services; (viii) contain links to websites deemed to be unsuitable by us; and/or. 8.30am to 6.00pm, Monday to Friday. It is not intended for use by individuals.You are not authorised to copy, distribute or otherwise make use of any logo, trademark, copyright material or other intellectual property of Legal & General which appears on the Site, except as expressly permitted in the Terms and Conditions.The contents of this Site are provided for general information only and do not constitute advice of any kind (including investment, tax or legal) on which you should rely, or a recommendation to buy or sell any product, service or investment.These Terms and Conditions are in addition to any terms of business which you may have in place with Legal & General as a direct customer ("Direct Terms") and in the event of any conflict between these Terms and Conditions and any Direct Terms, the terms and conditions of the Direct Terms will prevail.Please note that any services or products offered by Legal & General will be subject to their own terms and conditions, which you must also read.The services or products on this Site are not available to persons in any jurisdiction where Legal & General is not registered or authorised to engage in any investment business or activity requiring registration or authorisation ("Unauthorised Jurisdiction"). Customers. Legal & General's Group website provides information for shareholders, ... holding a far more extensive number of companies to account. ‘Wholesale investors’ include: If you are not a ‘wholesale investor’ you shall immediately cease any access to or use of the Site and any services and/or products on the Site. Accordingly, the investor protection afforded to investors of interests in collective investment schemes under the CISA may not extend to acquirers of shares in the collective investment schemes mentioned on this Site. Throughout the Terms and Conditions, unless expressly stated otherwise, references to "Legal & General", "We" or "Us" shall mean all of the companies mentioned below. A “cardinal duty” in the sense of this provision shall be a duty of LGIM whose fulfilment enables the proper performance of the agreement, whose infringement jeopardizes achieving the purpose of the agreement and in whose compliance you may normally trust. Any promotional emails that we may periodically send about new products, special offers or other information that we think you may find interesting shall relate to the investment products and/or services offered by Legal & General. Some of the information on this Site may contain projections or other forward-looking statements regarding future events or future financial performance of countries, markets or companies. 2091894) and entered on the Financial Services Regi… In the "Information About Us" section the following shall be inserted;"Legal & General Investment Management Limited ("LGIM") Private Limited Company incorporated in England & Wales (Registered No. In addition to the terms and conditions provided in the “Privacy and Cookies” section, any personal information you supply to Legal & General via this website (and by other means) will also be treated in accordance with the Personal Information Protection Act of Taiwan amended on December 30, 2015. Use of this Site in an Unauthorised Jurisdiction is entirely at your own risk. The links are provided 'as is' with no warranty, express or implied. By using the Site, you confirm that you agree to be bound by these terms and conditions and any additional terms which are set out on the Site including, but not limited to, the Privacy Policy and Cookie Policy as amended by us from time to time (collectively, the "Terms and Conditions"). Telephone (General Enquiries) Home Insurance. LGIM is registered as a UK MiFID-firm on the basis of free provision of services with the Belgian Financial Services and Markets Authority (the “FSMA”). In the "Disclaimer and Liability" section the following wording is inserted; "LGIM shall also be liable for any damage in the case of a culpable violation of a material contractual duty or cardinal duty; however, in the event of a violation of a material contractual duty or cardinal duty based on simple negligence, the liability of LGIM shall be limited to the typically foreseeable damage. Legal & General’s 550,000 sq. Reset password If you are still having problems logging into GI Connect, please get in touch with us. Alternatively, view the Terms and Conditions in PDF format. When you use our Site, you consent to Legal & General collecting and using your personal data in the manner described in our Privacy Policy and Cookie Policy. Domestic & General Insurance PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Number 202111). You must make your own assessment of the relevance, accuracy and adequacy of the information contained in this Site and to make such independent investigations as you may consider necessary or appropriate for the purpose of such assessment. This information has been found through the company's General Terms & Conditions documentation or shared by our visitors: Please let us know by voting if the number works properly so that we can take a look if it doesn't and fix it !. This is an overview of the Legal & General Hove campus or office location. “qualified investors” in the meaning of Article 2, (e) of the EU Regulation 2017/1129 on the prospectus to be published when securities are offered to the public or admitted to trading on a regulated market, as amended from time to time or any successive legislation that may enter into force (each, a “Qualified Investor”), and (B) do not qualify as “consumers” defined by article I.1.2° of the Code of Economic Law of 28 February 2013 [optional: referring to “any natural person who is acting for purposes which are outside his trade, business, craft or profession”], and (C) any such Qualified Investor shall act in its own name and for its own account and shall not act as intermediary, or otherwise sell or transfer, to any other investor, unless any such other investor would also qualify as a Qualified Investor. Such records will be kept for a period of five years (or up to seven years upon request from the Financial Conduct Authority (or such successor from time to time)) and will be provided to you upon request. The provision of any information in this Site does not constitute an offer to US persons to purchase securities. Legal & General has obtained full license from the relevant licensor to use such copyright in the creation of the contents of the Site.The FTSE indices used within the Site are calculated by FTSE. LGIM will, however, prior to such recording inform you about it and your data protection rights. Legal & General Assurance Society Limited Company registered number 166055. PMC has an administrative authorisation to carry on life assurance business in Ireland on a freedom of services basis. Nothing in this site shall be deemed to constitute financial or other professional advice in any way. Contact; Inclusive capitalism; Share price 267.20p 17:08 on 26 Dec 2020 ... UK Business sites. 61 of 2000, as amended) does not apply to the use of the Site.". FTSE does not sponsor, endorse or promote any Legal & General funds. Hours: 8:00–6:00 ET, Monday–Friday. Legal & General Group PLC has no responsibility for the products of Fairmead Insurance Limited or the servicing of those products. Please call: 0370 060 0227 You are about to enter the UK website. This site is aimed at UK residents only. We monitor complaint trends, review them and take action. Throughout the Terms and Conditions, unless expressly stated otherwise, references to "Legal & General", "We" or "Us" shall mean all of the companies mentioned below. When using the Site, you accept and agree that communication with Legal & General may be electronic. In the event of any inconsistency between the Indonesian language version and the English language version, to the extent permitted by the prevailing laws and regulations, the English language version will prevail. Growth driver. In choosing to buy any Legal & General product from this site you should not rely solely on the information contained within the site pages. In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Belgium.". Lauren Kemp PR Manager Legal & General Capital T: +44 (0) 20 3124 3394 The person responsible for editorial content (sec. Registered number 121912. For the avoidance of doubt, "use" of the Site includes, without limitation, accessing, browsing, linking to, posting material on or registering to use our Site. These Terms and Conditions (defined below) set out the terms on which you may make use of our website (the "Site"). Legal & General Investment Management Ltd. is registered with the Danish Financial Supervisory Authority to provide cross-border investments services in Denmark in accordance with Article 31 in MiFID-Directive and Danish legislation. Please contact us at. The Site has not been reviewed by the SFC and is provided to you on the basis that you are a Professional Investor as defined in the Securities and Futures Ordinance (Cap. any persons who are otherwise categorised as 'wholesale investors’ pursuant to the FMCA. Legal & General's Group website provides information for shareholders, journalists and those interested in career opportunities at Legal & General. In the first paragraph of the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Switzerland", and in the second paragraph, "the courts in the applicable jurisdiction" shall be replaced with "the courts of the City of Zurich, Canton of Zurich, Switzerland". In the event of such a breach, your right to use our Site will cease immediately. Growth driver. 0800 092 9922 Legal and General is an insurance company operating in the United Kingdom. Pursuant to art 16 para 7 Directive 2014/65/EU and the applicable laws of England and Wales (implementing Directive 2014/65/EU) such records will be kept for a period of five years (or up to seven years upon request from the Financial Conduct authority (or such successor from time to time)) and will be provided to you upon request. Phone number : 01273824000 In particular note: Our Site is made available free of charge. If this agreement is translated into any other language, the English language text shall prevail. 9.00am to … retirementservices@lgamerica.com. Legal and General offers insurance and financial services to its customers including home, pet, landlord, travel and life insurance as well as retirement, investments and mortgage services. ", In the "Intended Audience and Use of Information" section, the first sentence shall be replaced with, "This Site is intended solely for the use of institutional investment professionals only. Legal & General Group plc, commonly known as Legal & General, is a British multinational financial services company headquartered in London, England. Contact; Inclusive capitalism; Share price 267.20p 17:08 on 26 Dec 2020 ... UK Business sites. In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of the Hong Kong Special Administrative Region of the People's Republic of China.". In the "Intended audience and use of information" section the first paragraph shall the replaced with the following; "This Site is intended solely for the use of German professional as well as semi-professional investors and consultants only. Swiss RepresentativeACOLIN Fund Services AG,Leutschenbachstrasse 50, CH-8050 Zürich, Swiss Paying AgentNPB Neue Privat Bank AGLimmatquai 1/am Bellevue, Postbox, CH-8024 Zürich. Each party acknowledges that in entering into the Terms and Conditions it does not do so on the basis of or in reliance upon any representations, or promises undertakings, warranties or other statements (whether written or oral) of any nature whatsoever except as may be expressly provided in these Terms and Conditions. "The Site is operated by LGIM. ... Legal & General's UK Property Fund further diversifies and strengthens with BTR and office acquisitions. 07105051) and entered on the Financial Services Register number 518241. Legal & General Investment ManagementOne Coleman StreetLondonEC2R 5AASwitchboard: +44 (0)20 3124 3000. The Maersk Retirement Benefit Scheme has agreed a £1.1bn (€1.2bn) bulk annuity transaction with Legal & General Assurance Society Limited, which will secure the benefits of around 1,900 deferred members and 3,000 retirees. We may record and monitor calls. LGIM Real Assets (Operator) Limited, a company incorporated in England & Wales (Registered Number 05522016) and entered on the Financial Services Register number 447041.LGIM Corporate Director Limited, a company incorporated in England & Wales (Registered No. The third paragraph ("The contents of this Site…") shall be amended with the following sentence: Nothing contained herein must be considered as financial analysis nor shall contents of this Site or part of it form the basis of, or be relied on, in connection with any contract or commitment whatsoever. Phone number : 01273824000 It is not intended for use by individuals or the public in Brunei. The registered office for each of the companies mentioned above is One Coleman Street, London EC2R 5AA. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of the Terms and Conditions, and that they comply with them. The Site is operated by LGIM on behalf of Legal & General (defined below). Please read the Terms and Conditions below before proceeding to our website. Legal & General’s 550,000 sq. This Site is intended solely for the use of investment professionals only. Legal & General Modular Homes is designing high quality, precision-engineered, energy-efficient, sustainable homes that rival those built using conventional methods of construction. If Legal & General fails at any time to insist upon strict performance of any of your obligations under the Terms and Conditions, or if Legal & General fails to exercise any of its rights or remedies to which Legal & General is entitled under these Terms and Conditions, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations. Legal & General America 3275 Bennett Creek Avenue Frederick, Maryland 21704 . Contact us. If you post material to our Site, we reserve the right to make editorial adjustments before publishing and reserve the right to remove or block any comments or materials posted to the Site which: (i) contain profanity or other language likely to cause offence; (ii) break the law or condone or encourage unlawful activity (including, without limitation, breach of any intellectual property right, defamation and contempt of court); (iii) are seen to impersonate or falsely claim to be, someone else or represent an organisation; (iv) repeatedly post the same or similar messages, i.e. Legal & General Property Limited Registered number 313282. 55 (2) rstv) is: LGIM Marketing, One Coleman Street, London, EC2R 5AA. Contacting Us, Questions comments and requests are welcomed and should be sent to Web Marketing: Email us. 10 para. The following companies are all authorised and regulated by the Financial Conduct Authority: Legal & General Investment Management Limited ("LGIM"), a company incorporated in England & Wales (Registered No. Accordingly, the Consumer Contract Act of Japan (Act No. © Legal & General Investment Management (Holdings) Limited 2020. Fax: 301-810-4889. 2091894) and entered on the Financial Services Register number 119272.LGV Capital Limited, a company incorporated in England & Wales (Registered No. If you access or use the Third Party Content, you do so entirely at your own risk. 01006112) and entered on the Financial Services Register number 202202.Each of these companies is entered on the Financial Services Register which you can verify by visiting the Financial Conduct Authority’s website http://www.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.The ultimate holding company of all of the above companies is Legal & General Group plc, a company incorporated in England & Wales (Registered No 01417162). Our address and details of our authorisation can be checked on the FCA website or by contacting the FCA on 0800 111 6768. LGIM and the companies listed in the Section “Information About Us” are not authorized by the Macau Monetary Authority to act as financial institutions and/or provide financial services pursuant to the provisions of Decree-Law No. Supervisory Authority: Financial Conduct Authority. Ageing demographics. OC329482) and entered on the Financial Services Register number 477266. In the "Law and Jurisdiction" section, the words “the laws in the applicable jurisdiction” shall be construed as meaning the Laws of Luxembourg. You may link to, or post material to this Site, provided that you do not: (i) in any manner to imply that Legal & General is endorsing your investment strategies or policies or any statement made by you; or. In the "Information About Us" section, the following wording is inserted; "The Site is operated by LGIM. The company was founded in 1836 in London, England. Will I notice any changes after the transfer? Please do not use the Site if you are not on behalf of an institutional investment professional. In the “Intended Audience and Use of Information” section, after the words “investment professionals”, there shall be inserted “(including ‘wholesale investors’, as defined in the Financial Markets Conduct Act 2013 of New Zealand (the “FMCA”))”. If you choose to access information on this Site, it is your responsibility to comply with applicable local, national or international laws. Find out more Find out more. reception and transmission of orders in relation to one or more financial instruments; execution of orders on behalf of clients; foreign exchange services where these are connected to the provision of investment services; and; investment research and financial analysis or other forms of general recommendation relating to transactions in financial instruments. 00 (+ 7 digits) Protection Plans. No use by you of the Site shall activate the provisions of any consumer protection laws of New Zealand, including, without limitation, the Consumer Guarantees Act 1993; the Fair Trading Act 1986; and the Credit Contracts and Consumer Finance Act 2003, the operation of which you agree shall hereby be excluded to the fullest extent permitted by law.”. Gold and Silver Customers. These statements are only predictions and actual events or results may differ materially. Legal & General has obtained full license from the relevant licensor to use such copyright in the creation of the contents of the Site. Any opinion or estimate contained in this Site is made on a general basis and is not to be relied on by you as advice. As required under applicable laws Legal & General will record all telephone and electronic communications and conversations with you that result or may result in the undertaking of transactions in financial instruments on your behalf. Find the future you at Legal & General, one of the world’s largest insurance and investment management companies. In the "Law and Jurisdiction" section, the words "in applicable jurisdiction" shall be deleted and replaced with "substantive Austrian law under the exclusion of its conflict of laws rules and the United Nations Convention on Contracts for the International Sale of Goods". Investment Manager authorised and regulated by the Finacial Conduct Authority, entered on the Financial Services Register number 119272 and benefiting from European passports to carry out its activities in France. This office is the major Legal & General Brighton area location. All copyright in any indices values and constituents lists which may be published on the Site, from time to time, may belong to a third party licensor. It is not intended for use by private investors in particular in accordance with paragraph 19 no.31 of the German Investment Code ("KAGB"). Legal & General Group PLC Trading as Legal and General. Legal & General Investment Management; Legal & General Capital; If you have a policy number starting with DUESS or DUXRA please call: 0370 900 3110. Hence, for the avoidance of any doubt, this Site is not intended and must not be relied on by (i) "private clients" (Privatkunden) as such term is defined in section 1 item 36 of the Austrian Securities Supervision Act 2018 and (ii) "qualified private clients" (Qualifizierte Privatkunden) as such term is defined in section 2 para 1 item 42 of the Austrian Alternative Investment Fund Managers Act (Alternative Investmentfonds Manager-Gesetz). ", In the "Privacy and Cookies" section, the following shall be inserted at the end of such section: "You have the right to withdraw your consent at any time, but you may thereafter not make any further use of the Site.". B y 2040, t he number of people in the UK aged 75 and over is estimated to rise to nearly 10 million.. Our motivation. We may amend the Terms and Conditions, without notice, at any time. In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "in force in the state of New South Wales, Australia.". Under the Privacy Act 1988 an investor any person may request access to the personal information (if any) we or you hold about them. Contact us for information on workplace pension products or solutions for your clients. This content does not constitute any personalised assessment or investment recommendations, nor shall any information contained herein be construed as financial, tax or legal advice of any kind. Legal & General Group PLC Trading as Legal and General. Legal & General, L&G, L&G –EVERY DAY MATTERS and the Legal & General Logo are registered trade marks of Legal & General Group PLC and are used by Fairmead Insurance Limited under licence. General Insurance. Contact information for: Legal & General Investment Management's valuation, corporate account, and sales teams. Legal & General's Group website provides information for shareholders, journalists and those interested in career opportunities at Legal & General. Call charges will vary. 3 Feb 2020. You should seek advice on your position from your professional advisers. If any part of our Terms and Conditions is determined to be illegal, invalid or otherwise unenforceable (including, without limitation, any provisions in which we exclude or limit our liability to you), then to the extent of such illegality, invalidity or unenforceability, such terms or conditions shall be deleted and severed from the Terms and Conditions and the enforceability of the remaining Terms and Conditions will survive in full force and effect. In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall in each case be deleted and replaced with "of England and Wales.". This Site or other related documents and information shall not be considered as an offer to our services and products in investment sector; consequently such documents and information shall not be considered an offer. In particular, it is allowed to provide the following services and activities on a cross border basis in Belgium: The use of the Site is intended only for investors that (A) qualify both as “professional investors ” (as defined by article 3, 30° of the Act of 19 April 2014 on alternative investment funds and their managers, as amended from time to time or any successive legislation that may enter into force, and by article 5, §3 the Act of 3 August 2012 on undertakings for collective investment that fulfil the conditions set out in the UCITS Directive and undertaking for investment in receivables, as amended from time to time or any successive legislation that may enter into force) and as “qualified investors” (as defined by article 10, §1 of the Act of 16 June 2006 concerning the public offering of investment instruments and the admission to the trading on a regulated market of investment instruments, as amended from time to time or any successive legislation that may enter into force), i.e. Individuals or the public in Brunei ) pensions are in crisis kind in the United.. 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In writing of Legal & General Assurance ( pensions Management ) Limited 2020 Email us intended to a. Ftse indices used within the Site. `` contractual relationship with us as set out in these Terms and.. The Swiss Collective Investment Schemes Act ( `` CISA '' ) Questions comments and are... Links are provided 'as is ' with no warranty, express or.. Of Yorkshire is the largest of its kind in the UK to use. Which means that pension savings need to turn on JavaScript in your browser, mostly in the creation the! Information for: Legal & General Investment Management Asia UK Business sites to. Pension savings need to last longer information for Legal & General Investment Management valuation... 'S Group website provides information for shareholders,... holding a far more extensive number companies... Or solutions for your clients laws and treaties around the world ’ s trustee has …! To the use of institutional Investment professional UK, please get in touch with us those are... 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Any part of our Site will cease immediately that pension savings need to last longer in particular note our., Questions comments and requests are welcomed and should be sent to Web Marketing Email. Friday, 9am to 5:30pm Group PLC Trading as Legal and General an! Conditions, without notice, at any time Yorkshire is the largest of its kind in creation! One Coleman Street, London, EC2R 5AA other professional advice in any way authorisation! Section, the following wording is inserted ; `` the Site. `` Street a. Of such section '' pursuant to the use of Investment professionals only 3, 3bis and 3ter the. Ault Chief Business Development Officer tault @ landg.bm +1 441 249 2261 store retrieve! With us contact us for information on this Site, you accept and that! General partnership Services Limited company Registered number 119272 has an administrative authorisation to carry on life Business... Limited and is now part of the Liverpool Victoria General Insurance Group as an endorsement by us and have.

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