This website is operated by Ian Dominique Ramelo for general informational and financial consultation purposes.

The content on this website is intended to provide general information about life insurance, financial planning, savings, investment-linked solutions, retirement planning, and educational planning. It should not be considered legal, tax, investment, medical, or financial advice tailored to your personal situation.

Any recommendation will depend on your individual needs, financial capacity, goals, risk profile, and eligibility.

Submitting an inquiry, booking a consultation, or discussing a product does not guarantee:

• approval of an insurance application;

• issuance of a policy;

• availability of a specific product;

• investment performance or returns;

• future financial results; or

• coverage for a particular illness, event, or claim.

Insurance coverage, benefits, exclusions, charges, eligibility requirements, and policy terms are subject to the official policy contract and underwriting requirements of PRU Life UK.

Consultations are intended to help you understand available options and assess which solutions may be appropriate for your goals.

You remain responsible for reviewing all product documents, policy illustrations, disclosures, and terms before making a decision. You should ask questions whenever you need clarification.

Nothing on this website creates a lawyer-client, accountant-client, or fiduciary relationship.

For legal, tax, estate-planning, or investment matters, you should consult a qualified lawyer, accountant, tax professional, or other appropriate adviser.

Unless otherwise stated, the website content, text, graphics, layouts, and original materials are owned by or licensed to Life & Wealth Talk with Ian.

You may not copy, reproduce, republish, distribute, or commercially use website content without prior written permission.

PRU Life UK, Prudential, and related marks are owned by their respective trademark owners. Their use on this website is for identification and affiliation purposes only.

This website may link to third-party websites, booking tools, social media platforms, payment providers, or PRU Life UK resources.

We do not control these third-party services and are not responsible for their content, security, availability, or privacy practices.

I aim to keep the website accurate and available, but I do not guarantee that it will always be uninterrupted, error-free, complete, or current.

I may update, modify, suspend, or remove parts of the website without prior notice.

To the extent permitted by applicable law, Life & Wealth Talk with Ian will not be liable for losses, damages, or decisions arising from reliance on general website content, temporary site unavailability, third-party links, or unauthorized access beyond reasonable control.

For questions about these Terms & Conditions, contact:

Ian Dominique Ramelo
Licensed Financial Advisor, PRU Life UK
Email: financialadvise@lifeandwealthtalk.uk