Disclaimer and complaints

Last updated: 3 November 2026

General information only

Everything on this Site is general information. It is not personal advice and does not consider your objectives, finances or needs. Please speak with me before making a decision about any insurance or investment-linked product.

My role

I am authorised by the Insurance Commission to act as an Insurance Agent of Pru Life UK, and I offer Pru Life UK products only. I do not represent other insurers. Licence details are on the About page.

No promise of returns

Investment-linked (VUL) plans invest in PRULink funds. Fund values can fall as well as rise, are not guaranteed, and you may get back less than you paid in. Past performance is not a guide to future performance. Figures in illustrations are projections based on assumed rates, not forecasts or promises.

Underwriting and policy terms

All plans are subject to Pru Life UK’s underwriting, policy terms, conditions and exclusions. A plan becomes a policy only once Pru Life UK has accepted the application and issued the contract.

Tools and calculators

The needs-analysis wizard and budget calculator use the figures you enter and simple assumptions. Their results are a starting point for a conversation, not a recommendation.

Tax and legal matters

I do not give tax or legal advice. Where your plans involve tax in the Philippines, the UK or elsewhere, or estate and inheritance law, please also take advice from a qualified professional.

Complaints

If something has gone wrong, I want to hear about it and put it right. Please use these steps in order:

Contact me first. Use the contact form, email arne@licensedfinancialadvisor.ph, or call or WhatsApp +63 945 439 3935, with your name, policy number if you have one, and what happened.
Pru Life UK Customer Assistance. If my answer does not resolve it, contact Pru Life UK directly: contact.us@prulifeuk.com.ph, (02) 8887 5433 (Metro Manila) or 1-800-10-7785465 (PLDT domestic toll-free). See Pru Life UK Contact Us.
Insurance Commission. If the matter is still unresolved, you can ask the Insurance Commission’s Public Assistance and Mediation Division for help: publicassistance@insurance.gov.ph, (02) 8523-8461 local 103 or 127. See the Insurance Commission contact page and its Assistance Form (PDF).

Concerns about personal data can also go to the National Privacy Commission, as explained in the Privacy Policy.

IC Markets Introducing Broker disclosure

Broker disclosure: Arne J. Wood is an authorised Introducing Broker for IC Markets (campaign https://ic.com/?camp=95342). This is a marketing referral to IC Markets and is not personalised investment advice.

Role separation: Pru Life UK Licensed Financial Advisor services (insurance / wealth planning under Philippine Insurance Commission licensing via Pru Life UK) are separate from any IC Markets Introducing Broker promotion. CFD and leveraged products are offered by Raw Trading Ltd (trading as IC / IC Markets Global), not by Pru Life UK. Contacting Arne for Pru Life UK advice does not open a trading account; clicking an IC Markets link does not create a Pru Life UK advice relationship.

Regulator: IC and IC Markets Global are the trading names of Raw Trading Ltd, which is regulated by the Seychelles Financial Services Authority (FSA) with Securities Dealer's license number SD018.

Risk Warning: Trading in securities involves significant risk. Prices may fluctuate and securities can become entirely valueless. You may incur losses that exceed your potential profits, and in some cases, losses may exceed the amount you have deposited. Securities, futures, options, and contracts for differences (CFDs) are complex financial instruments and are not suitable for all investors. Engaging in such transactions requires a sound understanding of the associated risks. Please read and ensure you fully understand the IC Markets Risk Disclosure before trading.

Leverage: Leverage is dynamic and may change at any time. Such changes may affect your positions and margin requirements. You are responsible for monitoring your positions and maintaining sufficient margin at all times.

Restricted countries: Restricted / prohibited countries (non-exhaustive, per partner materials): United States, Canada, New Zealand, Iran, and North Korea. Availability and eligibility are determined by IC Markets / Raw Trading Ltd — do not apply if you are a resident of a restricted jurisdiction.

Age restriction: IC Markets services are available only to persons aged 18 years or older.

No guaranteed returns: Past performance is not indicative of future results. Nothing on this site promises, guarantees, or forecasts profits from trading or investing.